Wholesale Mortgage Lending You Can Trust
A bank-direct wholesale partner built for brokers and mini-correspondents — boutique service, exclusive FHLBank Chicago pricing, and portfolio products you won’t find at the big shops.
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.
MANAGE YOUR TPO PORTAL
Register loans, run pricing, upload conditions, and track every file in real time. Your full pipeline, available around the clock.
PRODUCTS & PRICING
Explore our complete product menu — including exclusive FHLBank Chicago programs and portfolio options you won’t find with other wholesale lenders.
CURRENT RATE SHEET
Pull today’s rate sheet for up-to-the-minute pricing across every program we offer.
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 and a member of the Federal Home Loan Bank of Chicago, we can do things most wholesale lenders simply can’t — and we back it with boutique, high-touch service on every file.
Exclusive FHLBank Chicago pricing (no LLPAs)
Through our membership in the FHLBank Chicago Mortgage Partnership Finance® (MPF®) Program, we price conventional loans without the loan-level price adjustments (LLPAs) most lenders pass straight 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.
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.
- Servicer: [SERVICER NAME — UTB or subservicer]
- First payment due: [e.g., the first day of the second month after closing]
- Pay by mail: [REMITTANCE ADDRESS]
- Pay online: [PAYMENT PORTAL URL]
- Servicing phone: [SERVICING PHONE]
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 FHLBank Chicago 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.)
How do I become an approved partner?
Getting approved is straightforward. Reach out and our team will walk you through it.
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-member community bank. 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 — like FHLBank Chicago’s MPF® Program — 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.
Announcements
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.
Lender IDs
Important lender identification numbers for your reference.
NMLS
#463357
FHA
7096170000
VA ID
RD0000-00
Fannie Mae Seller ID
7096170000
Freddie Mac ID
RD0000-00
Resources
Partner Application Package
Everything a broker or mini-correspondent needs to get approved with UTB.
Account Executive Contact List
Find your AE and reach the right person fast.
Contact Our Team
Questions, support, or ready to get started? Our wholesale team is here to help.
800-578-7575
WHOLESALE@UTB.COM
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.