Lenders › Univest Bank and Trust Co. › Pennsylvania
Univest Bank and Trust Co. in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Pennsylvania, Univest Bank and Trust Co. reported 2,541 applications and 1,840 originations for 2024, $453m in all.
Its denial rate in the state was 9.2%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 9.1%.
The median rate spread on its Pennsylvania originations was 0.3 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Univest Bank and Trust Co., all states | United States |
|---|---|---|---|---|
| Denial rate | 9.2% | 24.2% | 9.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.7% | 14.1% | 2.7% | 15.6% |
| Average originated loan | $246k | $226k | $260k | $329k |
| Home purchase share | 60.3% | 48.7% | 61.2% | 57.0% |
| FHA-insured share | 6.7% | 9.8% | 6.5% | 13.4% |
| VA-guaranteed share | 1.5% | 4.0% | 1.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 60% (1,109)Home improvement 23% (417)Refinancing 11% (210)Cash-out refinancing 2% (34)Other purpose 4% (70)
By type
Conventional 92% (1,688)FHA 7% (123)VA 1% (27)USDA 0% (2)
Denial reasons as coded
Share of 188 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 532 | 337 | $53m | 14.6% |
| Montgomery County | 378 | 258 | $62m | 12.4% |
| Lancaster County | 258 | 219 | $52m | 4.7% |
| Bucks County | 267 | 194 | $45m | 14.0% |
| Berks County | 177 | 148 | $36m | 5.1% |
| Allegheny County | 152 | 112 | $39m | 1.8% |
| Chester County | 134 | 97 | $41m | 7.5% |
| Lehigh County | 81 | 55 | $13m | 14.1% |
| Cumberland County | 61 | 52 | $17m | 0.0% |
| Northampton County | 53 | 43 | $11m | 4.4% |
| York County | 47 | 37 | $7.5m | 2.6% |
| Delaware County | 51 | 36 | $9.8m | 19.6% |
| Butler County | 51 | 35 | $13m | 5.4% |
| Lebanon County | 32 | 26 | $5.4m | 3.7% |
| Dauphin County | 29 | 24 | $7.0m | — |
| Centre County | 27 | 21 | $6.5m | — |
| Schuylkill County | 25 | 15 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Univest Bank and Trust Co. originate in Pennsylvania in 2024?
1,840 loans totalling $453m, from 2,541 applications reported for properties in Pennsylvania.
What is Univest Bank and Trust Co.'s denial rate in Pennsylvania?
9.2% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 9.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Univest Bank and Trust Co. lend in most?
By originations: Philadelphia County (337), Montgomery County (258), Lancaster County (219), Bucks County (194), Berks County (148).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.