TPO Portal
UTB Home

Wholesale Mortgage Lending You Can Trust

A bank-direct wholesale partner built for brokers and mini-correspondents — boutique service and exclusive products you won’t find at the big shops.
Become a Partner
Log In to TPO Portal
UTB Home

What We Offer

Everything you need to register, price, and close — in one place. Log in to manage your pipeline, pull current pricing and guidelines, and get the tools your team uses every day.

Resource Center

Access our full document repository, including company contact lists, lock policies, and product matrices.
Resources

PRODUCTS & PRICING

Explore our complete product menu — including exclusive UTB MPF® programs you won’t find with other wholesale lenders.

Lender Price

CURRENT RATE SHEET

Pull today’s rate sheet for up-to-the-minute pricing across every program we offer.
Download

PRODUCT GUIDELINES

Access our full underwriting guidelines so you can structure and qualify with confidence before you submit.

Products the Big Shops Can't Match

As a community bank, we can do things most wholesale lenders simply can’t — and we back it with boutique, high-touch service on every file.

Exclusive UTB MPF® Product (no LLPAs)

Through our UTB MPF® product, we price certain conventional loans without the loan-level price adjustments (LLPAs) that is passed to your borrower. That unlocks two standouts you’ll rarely see in the wholesale channel:

  • Conventional cash-out refinances up to 90% LTV — with no LLPAs
  • Second-home financing priced with no LLPAs

Portfolio products from our community bank

Because we lend on our own balance sheet, we can say yes where agency guidelines say no:

  • HELOCs (home equity lines of credit)
  • Fixed-rate second mortgages
  • “Just-miss” loans for strong borrowers who fall just outside Fannie Mae and Freddie Mac guidelines

The everyday agency products, too

Conforming, FHA, and VA — the core menu your borrowers rely on, delivered with the same white-glove service.
See All Products & Pricing

Borrower First Payment Information

Help your borrower start off right.

Once a loan closes, here’s everything your borrower needs to make their first mortgage payment on time. Please share these details with your borrower at closing.

First Payment FAQs for United Trust Bank Mortgage Customers

I just closed on a mortgage with United Trust Bank. When is my first payment due?

The due date for your first mortgage payment appears on two documents in your closing package. If you received copies of these documents, you can find this information on the Note (page 1, section 3) or on the First Payment Letter (also known as the Payment Letter to Borrower).

If you were not given copies of your mortgage documents at closing, you can e-mail us at loanops@utbhome.com with your UTB loan # and property address, and we will research it and respond as quickly as possible.

Will I receive a coupon book or billing statements from United Trust Bank?

UTB does not issue coupon books, but we do send billing statements. These are placed in the mail on the 18th of each month, ahead of your next payment due date. However, depending on when your loan closed, there may have been insufficient time to board your new loan on the servicing system before the billing statement for your first payment would be mailed. For this reason, we include temporary payment coupons in your closing package for you to use for the first couple of payments.

If you were not given copies of your mortgage documents at closing, you can e-mail us at loanops@utbhome.com with your UTB loan # and property address, and we will respond as quickly as possible with a duplicate copy.

How do I make mortgage payments to United Trust Bank?
You can mail a check to United Trust Bank, 12330 South Harlem Avenue, Palos Heights, IL 60463. Please reference your UTB loan number in the memo line so that we can process your payment accurately. Alternatively, you can call our Loan Ops department at 708-728-9900, Option 3, to make a payment over the phone. UTB does not have an online payment option at this time.
Will United Trust Bank sell my mortgage to another lender?

Most of the mortgages United Trust Bank originates are intended to be sold on the secondary market. If your UTB loan number starts with a 2 or a 3, you can expect to receive a notice in the mail shortly after closing that your mortgage has been sold to another lender. If your loan number starts with a 4, we intend to retain your mortgage and service it ourselves.

Even if your mortgage is sold to another lender, this does not change the terms of your loan. Depending on the timing of the transfer, you may still owe one final payment to UTB. We will mail you a Notice of Servicing Transfer to communicate any changes to your servicing lender as well as the effective date of that transfer. Read this letter carefully to see if you need to make one last payment to UTB. If you have any questions, please do not hesitate to contact our Loan Ops department for clarification:loanops@utbhome.com or 708-728-9900, Option 3.

I was confused about who was supposed to receive my mortgage payment, and I mistakenly paid the wrong lender. How can this be corrected?

If you mistakenly made a payment to UTB, but it should have been sent to the new lender, please rest assured that we will forward this payment to the new lender on your behalf. There is no need to cancel or stop payment on it, nor to send a duplicate payment to the new lender.

If you mistakenly made a payment to the new lender that was due to UTB, please reach out and let us know (e-mail us at loanops@utbhome.com or call us at 708-728-9900, Option 3). The new lender will not know that the payment belongs to us — they will most likely apply it as an early payment on your next installment. There are a couple of ways this can be corrected, and we will be happy to work with you to resolve it.

My mortgage included an escrow account. Where do I need to send the bill for my homeowner’s insurance renewal or tax bills when they become due?
You do not need to send your insurance renewal invoice or tax bills to us when they become due. Your insurance company has a record of the current lienholder and whether your mortgage is escrowed. They will communicate directly with the lienholder regarding the renewal premium. If your insurance company or taxing authority ever asks you for our mortgagee clause or mailing address, contact our Loan Ops department and we will provide the correct information. We also use a tax service that alerts us when tax bills become due on the properties for which we service the mortgages.
I received something in the mail from United Trust Bank shortly after closing soliciting me to refinance. Is this legitimate?
UTB’s policy is not to contact our mortgage customers about refinancing for at least six months after closing. The document you received in the mail is likely a solicitation from a competitor of UTB, who searched public records for recently recorded mortgages and is attempting to confuse you by referencing the name of your current lender in their marketing materials. If you read the fine print, there should be a disclaimer that states they are NOT affiliated with United Trust Bank.
Still have questions?

Our Loan Operations team is happy to help. E-mail loanops@utbhome.com or call 708-728-9900, Option 3. Please have your UTB loan number and property address ready so we can assist you quickly.

FAQ

Who can partner with UTB Wholesale?
We work with approved TPO mortgage brokers and mini-correspondent lenders. Whether you're brokering or delivering closed loans, our team helps you compete with pricing and products the national lenders can't match.
What products do you offer?
Conforming, FHA, and VA loans, plus programs you won't find everywhere: conventional cash-out to 90% LTV and second homes with no LLPAs through the UTB MPF® Program, and portfolio options including HELOCs, fixed second mortgages, and “just-miss” loans for borrowers just outside agency guidelines. (We do not offer USDA or Non-QM/DSCR.)
What are your turn times and support like?
Boutique service is the whole point — you get real people, fast answers, and a team that treats your pipeline like its own.

About UTB

United Trust Bank is an FDIC-insured nationally chartered mutual savings bank founded in 1999 in Palos Heights, IL, with additional depository branches soon to come to Alpharetta, GA and Uniontown, OH. Our wholesale division brings the strength and stability of a bank to the broker channel, paired with the responsiveness of a boutique lender.

Because we’re a bank, we lend on our own balance sheet and access programs that give our partners a real pricing and product edge. But what our brokers and correspondents talk about most is the service: direct access to decision-makers, common-sense underwriting, and a team that picks up the phone.

MORE INFO

Scenario Desk

Need help with a tricky loan scenario? Submit your scenario details directly to our underwriting team for review.
Submit a Scenario

Ability To Lend In All 50 States

Wherever your borrowers are, we’re ready to lend. Our wholesale channel supports partners nationwide, so you can grow your business without state-line limits.
LEARN MORE

Lender IDs

Important lender identification numbers for your reference.

NMLS

#460752

FHA Lender ID

00996-000-7

VA ID

7096170000

Fannie Mae Seller ID

34056-000-0

Freddie Mac Seller ID

215841

MERS Org ID

1015743

Resources

Company Contact List

DOWNLOAD

UTB Lock Policy

DOWNLOAD

UTB Product Matrices

DOWNLOAD

Contact Our Team

Questions, support, or ready to get started? Our wholesale team is here to help.

wholesale@utbhome.com and/or tpolockdesk@utbhome.com

Hours: 9:00AM-5:00PM EST

Footer Disclosures

Equal Housing Lender

UTB is an Equal Housing Lender. Member FDIC. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Licensing

UTB, NMLS #463357. This is a business-to-business communication intended for licensed mortgage professionals only and is not an advertisement to extend consumer credit as defined by Regulation Z. For licensing information, visit NMLS Consumer Access at nmlsconsumeraccess.org.