Univest Bank and Trust Co.: 2025 mortgage rates, costs & approvals
How Univest Bank and Trust Co. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Univest Bank and Trust Co. · LEI 549300LBK5BTNFKZJD14
In 2025, Univest Bank and Trust Co. originated 681 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 10 states — 610th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 17 basis points above the national median. Median conventional loan costs were $5,880, 6% higher than the national median ($5,570).
It denied 2.9% of completed home-purchase applications (all lenders: 8.5%).
How Univest Bank and Trust Co. priced home-purchase loans
| Purchase loans, 2025 | Univest Bank and Trust Co. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.000% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.31 pts | +0.13 pts |
| Total loan costs · conventional | $5,880 | $5,570 |
| Total loan costs · FHA | $9,740 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,220 | $1,860 |
| Borrowers paying discount points | 37.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.50% | 0.87% |
| Borrowers receiving lender credits | 76.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Univest Bank and Trust Co. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 641 | 667 | 2.9% | 6.625% | $5,830 |
| New Jersey | 22 | 22 | — | — | — |
| Florida | 5 | 6 | — | — | — |
| South Carolina | 5 | 5 | — | — | — |
| Maryland | 2 | 3 | — | — | — |
| New York | 2 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Univest Bank and Trust Co.'s page for that state.
Counties where Univest Bank and Trust Co. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Berks County, PA | 8 | 105 | 2.3% |
| Lancaster County, PA | 17 | 64 | 1.2% |
| Bucks County, PA | 21 | 82 | 1.2% |
| Philadelphia County, PA | 17 | 144 | 1.1% |
| Carbon County, PA | 25 | 10 | 1.1% |
Check Univest Bank and Trust Co. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300LBK5BTNFKZJD14.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Univest Bank and Trust Co. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology