Univest Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Univest Bank And Trust Co. 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Univest Bank And Trust Co. Po Box 197 Souderton, PA 18964 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,560 |
| Total Mortgage Loan Application Amount | $478,554,000 |
| Average Mortgage Loan Application Amount | $161,333 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $104,333 |
| Highest Applicant Income | $2,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Univest Bank And Trust Co.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Univest Bank And Trust Co.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Univest Bank And Trust Co.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Univest Bank And Trust Co. serves its applicants.
Each category highlights the total number of mortgage applications processed by Univest Bank And Trust Co., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Univest Bank And Trust Co.'s mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Pennsylvania | 1,028 | $ 172,882,000 | $ 168,000 | $ 99,000 |
| Bucks County Pennsylvania | 956 | $ 181,916,000 | $ 190,000 | $ 99,000 |
| Philadelphia County Pennsylvania | 97 | $ 14,379,000 | $ 148,000 | $ 117,000 |
| Lehigh County Pennsylvania | 83 | $ 16,115,000 | $ 194,000 | $ 133,000 |
| Berks County Pennsylvania | 45 | $ 6,403,000 | $ 142,000 | $ 93,000 |
| Chester County Pennsylvania | 37 | $ 8,259,000 | $ 223,000 | $ 106,000 |
| Burlington County New Jersey | 31 | $ 6,403,000 | $ 206,000 | $ 151,000 |
| Cape May County New Jersey | 27 | $ 7,382,000 | $ 273,000 | $ 160,000 |
| Monmouth County New Jersey | 26 | $ 9,121,000 | $ 350,000 | $ 157,000 |
| Northampton County Pennsylvania | 26 | $ 5,385,000 | $ 207,000 | $ 87,000 |
| Middlesex County New Jersey | 23 | $ 7,110,000 | $ 309,000 | $ 130,000 |
| Delaware County Pennsylvania | 22 | $ 5,662,000 | $ 257,000 | $ 176,000 |
| Ocean County New Jersey | 14 | $ 3,373,000 | $ 240,000 | $ 149,000 |
| Monroe County Pennsylvania | 12 | $ 1,378,000 | $ 114,000 | $ 92,000 |
| Camden County New Jersey | 11 | $ 1,674,000 | $ 152,000 | $ 120,000 |
| Gloucester County New Jersey | 11 | $ 1,643,000 | $ 149,000 | $ 90,000 |
| Hunterdon County New Jersey | 10 | $ 2,347,000 | $ 234,000 | $ 119,000 |
| Mercer County New Jersey | 10 | $ 2,420,000 | $ 242,000 | $ 124,000 |
| Sussex County Delaware | 8 | $ 2,194,000 | $ 274,000 | $ 231,000 |
| Somerset County New Jersey | 7 | $ 1,682,000 | $ 240,000 | $ 132,000 |
| Carbon County Pennsylvania | 7 | $ 1,666,000 | $ 238,000 | $ 124,000 |
| Atlantic County New Jersey | 6 | $ 1,505,000 | $ 250,000 | $ 131,000 |
| Hudson County New Jersey | 4 | $ 1,809,000 | $ 452,000 | $ 205,000 |
| Dauphin County Pennsylvania | 4 | $ 672,000 | $ 168,000 | $ 101,000 |
| Lee County Florida | 3 | $ 842,000 | $ 280,000 | $ 193,000 |
| Fairfield County Connecticut | 2 | $ 514,000 | $ 257,000 | $ 83,000 |
| Baltimore County Maryland | 2 | $ 411,000 | $ 205,000 | $ 110,000 |
| Worcester County Maryland | 2 | $ 518,000 | $ 259,000 | $ 239,000 |
| Essex County New Jersey | 2 | $ 892,000 | $ 446,000 | $ 177,000 |
| Lee County North Carolina | 2 | $ 181,000 | $ 90,000 | $ 69,000 |
| Cumberland County Pennsylvania | 2 | $ 476,000 | $ 238,000 | $ 82,000 |
| Lancaster County Pennsylvania | 2 | $ 325,000 | $ 162,000 | $ 95,000 |
| Luzerne County Pennsylvania | 2 | $ 391,000 | $ 195,000 | $ 103,000 |
| Pike County Pennsylvania | 2 | $ 178,000 | $ 89,000 | $ 111,000 |
| Schuylkill County Pennsylvania | 2 | $ 275,000 | $ 137,000 | $ 136,000 |
| Wayne County Pennsylvania | 2 | $ 388,000 | $ 194,000 | $ 156,000 |
| New Castle County Delaware | 1 | $ 226,000 | $ 226,000 | $ 58,000 |
| Lake County Florida | 1 | $ 179,000 | $ 179,000 | $ 61,000 |
| Martin County Florida | 1 | $ 413,000 | $ 413,000 | $ 204,000 |
| Fulton County Georgia | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Cook County Illinois | 1 | $ 10,000 | $ 10,000 | $ 120,000 |
| Calvert County Maryland | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 1,194,000 | $ 1,194,000 | $ 277,000 |
| Morris County New Jersey | 1 | $ 482,000 | $ 482,000 | $ 246,000 |
| Sussex County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Union County New Jersey | 1 | $ 293,000 | $ 293,000 | $ 131,000 |
| Warren County New Jersey | 1 | $ 216,000 | $ 216,000 | $ 102,000 |
| New York County New York | 1 | $ 2,100,000 | $ 2,100,000 | $ 1,747,000 |
| Orange County New York | 1 | $ 326,000 | $ 326,000 | $ 224,000 |
| Dare County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 758,000 |
| Watauga County North Carolina | 1 | $ 750,000 | $ 750,000 | $ 583,000 |
| Montgomery County Ohio | 1 | $ 153,000 | $ 153,000 | $ 65,000 |
| Lane County Oregon | 1 | $ 240,000 | $ 240,000 | $ 98,000 |
| Allegheny County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 165,000 |
| Lebanon County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 36,000 |
| McKean County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Mifflin County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 144,000 |
| Sullivan County Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 74,000 |
| Susquehanna County Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 174,000 |
| York County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Horry County South Carolina | 1 | $ 223,000 | $ 223,000 | $ 121,000 |
| White County Tennessee | 1 | $ 2,000 | $ 2,000 | $ 11,000 |
| Washington County Vermont | 1 | $ 210,000 | $ 210,000 | $ 249,000 |
| Accomack County Virginia | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Caroline County Virginia | 1 | $ 216,000 | $ 216,000 | $ 372,000 |
| Loudoun County Virginia | 1 | $ 172,000 | $ 172,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Univest Bank And Trust Co. in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,624 | $344,160,000 | $211,000 | $1,079,000 | $108,000 | $794,000 |
| Home Purchase | 504 | $111,113,000 | $220,000 | $2,100,000 | $116,000 | $2,020,000 |
| Home Improvement | 432 | $23,281,000 | $53,000 | $773,000 | $89,000 | $1,500,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,342 | $437,658,000 | $186,000 | $2,100,000 | $107,000 | $2,020,000 |
| Asian | 78 | $17,400,000 | $223,000 | $560,000 | $132,000 | $422,000 |
| Not Provided | 52 | $10,759,000 | $206,000 | $568,000 | $94,000 | $224,000 |
| Hispanic | 38 | $5,378,000 | $141,000 | $303,000 | $77,000 | $293,000 |
| Black or African American | 34 | $4,288,000 | $126,000 | $446,000 | $71,000 | $238,000 |
| Not applicable | 13 | $2,646,000 | $203,000 | $560,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $357,000 | $178,000 | $222,000 | $98,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $68,000 | $68,000 | $68,000 | $37,000 | $37,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,452 | $456,520,000 | $186,000 | $2,100,000 | $108,000 | $2,020,000 |
| FHA-insured (Federal Housing Administration) | 95 | $18,974,000 | $199,000 | $574,000 | $66,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,458,000 | $273,000 | $400,000 | $81,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $602,000 | $150,000 | $184,000 | $45,000 | $49,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,000 | $389,478,000 | $194,000 | $2,100,000 | $109,000 | $2,020,000 |
| Application Denied By Financial Institution | 263 | $35,225,000 | $133,000 | $626,000 | $74,000 | $407,000 |
| Application Withdrawn By Applicant | 186 | $34,035,000 | $182,000 | $574,000 | $112,000 | $365,000 |
| File Closed For Incompleteness | 91 | $17,905,000 | $196,000 | $481,000 | $138,000 | $1,500,000 |
| Application Approved But Not Accepted | 20 | $1,911,000 | $95,000 | $323,000 | $96,000 | $223,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 98 | $9,834,000 | $100,000 | $417,000 | $49,000 | $156,000 |
| Collateral | 77 | $15,118,000 | $196,000 | $626,000 | $117,000 | $407,000 |
| Credit History | 68 | $7,045,000 | $103,000 | $520,000 | $59,000 | $187,000 |
| Employment History | 6 | $1,135,000 | $189,000 | $332,000 | $53,000 | $135,000 |
| Unverifiable Information | 6 | $995,000 | $165,000 | $331,000 | $81,000 | $135,000 |
| Other | 4 | $601,000 | $150,000 | $237,000 | $128,000 | $194,000 |
| Credit Application Incomplete | 1 | $146,000 | $146,000 | $146,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 1 | $166,000 | $166,000 | $166,000 | $84,000 | $84,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Univest Bank And Trust Co.'s 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Univest Bank And Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.