Univest Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Univest Bank And Trust Co. 2015 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 | 2,379 |
| Total Mortgage Loan Application Amount | $462,920,000 |
| Average Mortgage Loan Application Amount | $180,333 |
| Highest Mortgage Loan Application Amount | $2,170,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $1,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 681 | $ 113,682,000 | $ 166,000 | $ 106,000 |
| Philadelphia County Pennsylvania | 613 | $ 129,528,000 | $ 211,000 | $ 73,000 |
| Bucks County Pennsylvania | 585 | $ 114,298,000 | $ 195,000 | $ 109,000 |
| Lehigh County Pennsylvania | 89 | $ 15,164,000 | $ 170,000 | $ 113,000 |
| Chester County Pennsylvania | 66 | $ 17,968,000 | $ 272,000 | $ 140,000 |
| Berks County Pennsylvania | 59 | $ 7,232,000 | $ 122,000 | $ 75,000 |
| Delaware County Pennsylvania | 56 | $ 11,473,000 | $ 204,000 | $ 107,000 |
| Northampton County Pennsylvania | 33 | $ 6,861,000 | $ 207,000 | $ 83,000 |
| Cape May County New Jersey | 21 | $ 8,564,000 | $ 407,000 | $ 171,000 |
| Burlington County New Jersey | 15 | $ 2,609,000 | $ 173,000 | $ 124,000 |
| Mercer County New Jersey | 15 | $ 2,657,000 | $ 177,000 | $ 103,000 |
| Atlantic County New Jersey | 12 | $ 4,694,000 | $ 391,000 | $ 146,000 |
| Ocean County New Jersey | 9 | $ 3,268,000 | $ 363,000 | $ 230,000 |
| Middlesex County New Jersey | 8 | $ 2,161,000 | $ 270,000 | $ 129,000 |
| Camden County New Jersey | 7 | $ 1,761,000 | $ 251,000 | $ 191,000 |
| Gloucester County New Jersey | 6 | $ 1,807,000 | $ 301,000 | $ 101,000 |
| Hunterdon County New Jersey | 6 | $ 998,000 | $ 166,000 | $ 107,000 |
| Warren County New Jersey | 6 | $ 1,171,000 | $ 195,000 | $ 61,000 |
| Lancaster County Pennsylvania | 6 | $ 996,000 | $ 166,000 | $ 69,000 |
| New Castle County Delaware | 5 | $ 1,235,000 | $ 247,000 | $ 126,000 |
| Monmouth County New Jersey | 5 | $ 1,204,000 | $ 240,000 | $ 104,000 |
| Pike County Pennsylvania | 5 | $ 570,000 | $ 114,000 | $ 146,000 |
| Sussex County Delaware | 4 | $ 843,000 | $ 210,000 | $ 168,000 |
| Essex County New Jersey | 4 | $ 1,983,000 | $ 495,000 | $ 208,000 |
| Carbon County Pennsylvania | 4 | $ 469,000 | $ 117,000 | $ 117,000 |
| Prince George's County Maryland | 3 | $ 437,000 | $ 145,000 | $ 122,000 |
| Worcester County Maryland | 3 | $ 383,000 | $ 127,000 | $ 157,000 |
| Monroe County Pennsylvania | 3 | $ 146,000 | $ 48,000 | $ 98,000 |
| Wayne County Pennsylvania | 3 | $ 662,000 | $ 220,000 | $ 168,000 |
| York County Pennsylvania | 3 | $ 554,000 | $ 184,000 | $ 92,000 |
| Sullivan County Pennsylvania | 2 | $ 114,000 | $ 57,000 | $ 119,000 |
| Susquehanna County Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 216,000 |
| Fairfield County Connecticut | 1 | $ 476,000 | $ 476,000 | $ 189,000 |
| New London County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Kent County Delaware | 1 | $ 460,000 | $ 460,000 | $ 156,000 |
| Broward County Florida | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Collier County Florida | 1 | $ 364,000 | $ 364,000 | $ 515,000 |
| Hernando County Florida | 1 | $ 124,000 | $ 124,000 | $ 234,000 |
| Hillsborough County Florida | 1 | $ 20,000 | $ 20,000 | $ 106,000 |
| Orange County Florida | 1 | $ 196,000 | $ 196,000 | $ 104,000 |
| Pinellas County Florida | 1 | $ 340,000 | $ 340,000 | $ 200,000 |
| Charles County Maryland | 1 | $ 204,000 | $ 204,000 | $ 134,000 |
| Garrett County Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Howard County Maryland | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Montgomery County Maryland | 1 | $ 380,000 | $ 380,000 | $ 159,000 |
| Talbot County Maryland | 1 | $ 417,000 | $ 417,000 | $ 339,000 |
| Chippewa County Michigan | 1 | $ 212,000 | $ 212,000 | $ 148,000 |
| Bergen County New Jersey | 1 | $ 196,000 | $ 196,000 | $ 52,000 |
| Cumberland County New Jersey | 1 | $ 111,000 | $ 111,000 | $ 12,000 |
| Hudson County New Jersey | 1 | $ 322,000 | $ 322,000 | $ 70,000 |
| Union County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 175,000 |
| Erie County New York | 1 | $ 106,000 | $ 106,000 | $ 77,000 |
| Franklin County New York | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Avery County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Buncombe County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 88,000 |
| Lake County Ohio | 1 | $ 216,000 | $ 216,000 | $ 82,000 |
| Carter County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Delaware County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Allegheny County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 68,000 |
| Bradford County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Clearfield County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 23,000 |
| Dauphin County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Lebanon County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Luzerne County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 149,000 |
| Lycoming County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Northumberland County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 71,000 |
| Perry County Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 46,000 |
| Potter County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 250,000 |
| Schuylkill County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 189,000 |
| Shelby County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 66,000 |
| Rutland County Vermont | 1 | $ 131,000 | $ 131,000 | $ 137,000 |
| Windham County Vermont | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Univest Bank And Trust Co. in 2015
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,237 | $274,233,000 | $221,000 | $2,170,000 | $99,000 | $1,225,000 |
| Refinancing | 604 | $147,487,000 | $244,000 | $2,089,000 | $110,000 | $1,047,000 |
| Home Improvement | 538 | $41,200,000 | $76,000 | $1,700,000 | $94,000 | $1,250,000 |
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 | 1,812 | $332,741,000 | $183,000 | $1,985,000 | $116,000 | $1,250,000 |
| Not applicable | 234 | $78,209,000 | $334,000 | $2,170,000 | $0 | $0 |
| Asian | 114 | $20,946,000 | $183,000 | $1,200,000 | $94,000 | $580,000 |
| Black or African American | 96 | $14,645,000 | $152,000 | $666,000 | $82,000 | $469,000 |
| Hispanic | 72 | $9,572,000 | $132,000 | $520,000 | $59,000 | $225,000 |
| Not Provided | 43 | $5,612,000 | $130,000 | $788,000 | $137,000 | $1,047,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $865,000 | $173,000 | $322,000 | $80,000 | $121,000 |
| American Indian or Alaskan Native | 3 | $330,000 | $110,000 | $159,000 | $42,000 | $53,000 |
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) | 2,112 | $411,072,000 | $194,000 | $2,170,000 | $104,000 | $1,250,000 |
| FHA-insured (Federal Housing Administration) | 241 | $45,950,000 | $190,000 | $476,000 | $69,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,536,000 | $238,000 | $451,000 | $88,000 | $252,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,362,000 | $194,000 | $270,000 | $76,000 | $118,000 |
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 | 1,777 | $371,917,000 | $209,000 | $2,170,000 | $99,000 | $1,225,000 |
| Application Withdrawn By Applicant | 270 | $50,681,000 | $187,000 | $838,000 | $126,000 | $1,250,000 |
| Application Denied By Financial Institution | 233 | $25,816,000 | $110,000 | $788,000 | $77,000 | $514,000 |
| File Closed For Incompleteness | 73 | $9,254,000 | $126,000 | $1,050,000 | $112,000 | $600,000 |
| Application Approved But Not Accepted | 26 | $5,252,000 | $202,000 | $522,000 | $117,000 | $308,000 |
| 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 | 95 | $10,227,000 | $107,000 | $788,000 | $66,000 | $254,000 |
| Credit History | 64 | $3,838,000 | $59,000 | $525,000 | $77,000 | $314,000 |
| Collateral | 40 | $6,359,000 | $158,000 | $414,000 | $104,000 | $514,000 |
| Unverifiable Information | 12 | $2,192,000 | $182,000 | $417,000 | $74,000 | $117,000 |
| Other | 11 | $1,211,000 | $110,000 | $300,000 | $78,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $835,000 | $167,000 | $504,000 | $99,000 | $286,000 |
| Employment History | 3 | $566,000 | $188,000 | $242,000 | $33,000 | $44,000 |
| Credit Application Incomplete | 1 | $81,000 | $81,000 | $81,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Univest Bank And Trust Co.'s 2015 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.