We are America’s
Community Lender

Providing customized mortgage solutions with exceptional service and value.

Get More from Your Mortgage!

You Could Cut Your
Monthly Bills In Half!

See How Much You Qualify For – No Commitment Needed!

VA 100 Loan Program

As a veteran or active service member, you have earned the right to borrow up to 100% of your home's value. With financing up to 100% of your home's value, your opportunities are limitless!

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VA Streamline

The VA created the Interest Rate Reduction Refinance Loan, also known as the IRRRL. This program allows veterans the ability to lower the rate on their current VA loan.

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Conventional

This Debt Consolidation / Cash Out program is for ALL homeowners who qualify – Regardless of where you are in life, use your home to consolidate high interest credit card debt, build your savings account or pay for whatever you need or want.

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FHA Cash Out / Streamline

FHA mortgages are for ALL homeowners. If you are just starting out or have less than perfect credit, an FHA Cash Out or Streamline refinance may be right for you. Qualifying credit requirements are usually lower than a conventional loan and the interest rates usually are too!

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Buy a Home

Whether you're a first-time homebuyer, moving to a new home or buying a vacation property, we have the right mortgage options to meet your needs.

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A Veterans Administration Approved Lender

United Trust Bank is an FDIC insured and nationally chartered bank and a VA Approved Lender, with a mission to provide home loans and deposit accounts to our communities.  We are fully committed to exceptional service and value. We specialize in assisting veterans and homeowners across the country pay off their debt, lower their interest rates and payments, and secure the money needed to support their families.

What really sets UTB apart is our ability to lend up to 100% of your home’s value at some of the lowest VA rates in the country. We can also close your loan in as little as 30 days!