Lender in Pennsylvania · HMDA 2025
Univest Bank and Trust Co. mortgages in Pennsylvania
Univest Bank and Trust Co.'s 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Univest Bank and Trust Co. originated 641 owner-occupied single-family loans in Pennsylvania from 667 completed applications.
Its median conventional purchase loan costs were $5,830 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.625% (Pennsylvania: 6.625%).
Loans in PA
641
of 667 applications
Denial rate
2.9%
Purchase · PA 6.7%
Rate spread
+0.30 pts
Conv. · PA +0.17 pts
Loan amount
$285,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 584 | 562 | 2.9% | 6.625% | +0.30 pts | $5,830 | $285,000 |
| Refinance | 53 | 50 | 5.7% | 6.625% | +0.38 pts | $6,010 | $315,000 |
| Cash-out refinance | 30 | 29 | 3.3% | — | +0.29 pts | $5,770 | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Univest Bank and Trust Co. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Berks County | 8 | 105 | 2.3% |
| Philadelphia County | 17 | 144 | 1.1% |
| Lancaster County | 17 | 64 | 1.2% |
| Bucks County | 21 | 82 | 1.2% |
| Carbon County | 25 | 10 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology