Univest Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Univest Bank And Trust Co. 2018 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 | 2,805 |
| Total Mortgage Loan Application Amount | $613,595,000 |
| Average Mortgage Loan Application Amount | $189,800 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $133,200 |
| Highest Applicant Income | $3,587,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 644 | $ 105,060,000 | $ 163,000 | $ 125,000 |
| Philadelphia County Pennsylvania | 592 | $ 172,210,000 | $ 290,000 | $ 144,000 |
| Bucks County Pennsylvania | 566 | $ 105,430,000 | $ 186,000 | $ 114,000 |
| Lancaster County Pennsylvania | 327 | $ 59,815,000 | $ 182,000 | $ 105,000 |
| Chester County Pennsylvania | 160 | $ 35,270,000 | $ 220,000 | $ 153,000 |
| Lehigh County Pennsylvania | 98 | $ 21,970,000 | $ 224,000 | $ 123,000 |
| Delaware County Pennsylvania | 58 | $ 13,280,000 | $ 228,000 | $ 124,000 |
| Northampton County Pennsylvania | 53 | $ 10,415,000 | $ 196,000 | $ 126,000 |
| Cape May County New Jersey | 41 | $ 18,575,000 | $ 453,000 | $ 295,000 |
| Berks County Pennsylvania | 40 | $ 7,720,000 | $ 193,000 | $ 127,000 |
| Atlantic County New Jersey | 22 | $ 7,550,000 | $ 343,000 | $ 254,000 |
| Burlington County New Jersey | 22 | $ 4,130,000 | $ 187,000 | $ 144,000 |
| Monmouth County New Jersey | 13 | $ 1,745,000 | $ 134,000 | $ 210,000 |
| Ocean County New Jersey | 11 | $ 8,755,000 | $ 795,000 | $ 314,000 |
| Carbon County Pennsylvania | 11 | $ 1,445,000 | $ 131,000 | $ 106,000 |
| Camden County New Jersey | 10 | $ 1,290,000 | $ 129,000 | $ 231,000 |
| Mercer County New Jersey | 10 | $ 1,600,000 | $ 160,000 | $ 136,000 |
| Gloucester County New Jersey | 9 | $ 1,335,000 | $ 148,000 | $ 89,000 |
| Luzerne County Pennsylvania | 8 | $ 6,600,000 | $ 825,000 | $ 98,000 |
| Monroe County Pennsylvania | 8 | $ 1,040,000 | $ 130,000 | $ 95,000 |
| Sussex County Delaware | 7 | $ 2,825,000 | $ 403,000 | $ 426,000 |
| Warren County New Jersey | 7 | $ 835,000 | $ 119,000 | $ 65,000 |
| York County Pennsylvania | 7 | $ 615,000 | $ 87,000 | $ 113,000 |
| Morris County New Jersey | 6 | $ 1,630,000 | $ 271,000 | $ 613,000 |
| New Castle County Delaware | 5 | $ 1,445,000 | $ 289,000 | $ 212,000 |
| Sarasota County Florida | 5 | $ 2,635,000 | $ 527,000 | $ 303,000 |
| Middlesex County New Jersey | 5 | $ 1,505,000 | $ 301,000 | $ 292,000 |
| Lebanon County Pennsylvania | 5 | $ 465,000 | $ 93,000 | $ 155,000 |
| Pike County Pennsylvania | 5 | $ 1,445,000 | $ 289,000 | $ 382,000 |
| Collier County Florida | 3 | $ 995,000 | $ 331,000 | $ 481,000 |
| Bergen County New Jersey | 3 | $ 1,165,000 | $ 388,000 | $ 174,000 |
| Hunterdon County New Jersey | 3 | $ 905,000 | $ 301,000 | $ 72,000 |
| Schuylkill County Pennsylvania | 3 | $ 815,000 | $ 271,000 | $ 236,000 |
| Essex County New Jersey | 2 | $ 460,000 | $ 230,000 | $ 158,000 |
| Clark County Ohio | 2 | $ 220,000 | $ 110,000 | $ 40,000 |
| Dauphin County Pennsylvania | 2 | $ 550,000 | $ 275,000 | $ 354,000 |
| Cumberland County Virginia | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Fairfield County Connecticut | 1 | $ 1,205,000 | $ 1,205,000 | $ 511,000 |
| Broward County Florida | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Hillsborough County Florida | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Lee County Florida | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| Manatee County Florida | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Hudson County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Sussex County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 243,000 |
| Dare County North Carolina | 1 | $ 1,045,000 | $ 1,045,000 | $ 270,000 |
| New Hanover County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 201,000 |
| Wood County Ohio | 1 | $ 305,000 | $ 305,000 | $ 298,000 |
| Allegheny County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Centre County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 311,000 |
| Clinton County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Columbia County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 162,000 |
| Huntingdon County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 103,000 |
| Juniata County Pennsylvania | 1 | $ 495,000 | $ 495,000 | $ 562,000 |
| Lackawanna County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Mifflin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Perry County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Tioga County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 617,000 |
| Wyoming County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 214,000 |
| Fairfax County Virginia | 1 | $ 615,000 | $ 615,000 | $ 291,000 |
| Falls Church County Virginia | 1 | $ 705,000 | $ 705,000 | $ 108,000 |
| Loudoun County Virginia | 1 | $ 455,000 | $ 455,000 | $ 221,000 |
Mortgage Loan Application Detail Totals for Univest Bank And Trust Co. in 2018
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 | 1,371 | $389,695,000 | $284,000 | $40,005,000 | $135,000 | $3,587,000 |
| Home Improvement | 537 | $53,295,000 | $99,000 | $2,105,000 | $134,000 | $1,021,000 |
| Refinancing | 400 | $93,750,000 | $234,000 | $3,505,000 | $155,000 | $1,910,000 |
| Other Purpose | 282 | $22,890,000 | $81,000 | $1,205,000 | $107,000 | $846,000 |
| Cash-out Refinancing | 215 | $53,965,000 | $251,000 | $2,005,000 | $135,000 | $927,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,277 | $431,315,000 | $189,000 | $2,885,000 | $136,000 | $3,587,000 |
| Asian | 193 | $39,485,000 | $204,000 | $1,535,000 | $134,000 | $1,185,000 |
| Not applicable | 149 | $109,315,000 | $733,000 | $40,005,000 | $0 | $0 |
| Black or African American | 87 | $12,635,000 | $145,000 | $1,305,000 | $99,000 | $776,000 |
| Hispanic | 49 | $7,755,000 | $158,000 | $345,000 | $91,000 | $318,000 |
| Not Provided | 46 | $12,310,000 | $267,000 | $1,925,000 | $185,000 | $843,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $117,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,649 | $581,945,000 | $219,000 | $40,005,000 | $138,000 | $3,587,000 |
| FHA-insured (Federal Housing Administration) | 128 | $25,400,000 | $198,000 | $385,000 | $75,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,530,000 | $180,000 | $225,000 | $60,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,720,000 | $265,000 | $695,000 | $104,000 | $354,000 |
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 | 2,030 | $475,390,000 | $234,000 | $40,005,000 | $140,000 | $3,587,000 |
| Application Withdrawn By Applicant | 320 | $78,850,000 | $246,000 | $2,235,000 | $138,000 | $1,764,000 |
| Application Denied By Financial Institution | 317 | $37,175,000 | $117,000 | $1,995,000 | $98,000 | $1,021,000 |
| File Closed For Incompleteness | 112 | $18,030,000 | $160,000 | $2,225,000 | $146,000 | $1,008,000 |
| Application Approved But Not Accepted | 21 | $3,115,000 | $148,000 | $425,000 | $102,000 | $247,000 |
| Preapproval Denied by Financial Institution | 5 | $1,035,000 | $207,000 | $275,000 | $68,000 | $129,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,483 | $575,385,000 | $231,000 | $40,005,000 | $140,000 | $3,587,000 |
| Debt-To-Income Ratio | 191 | $20,215,000 | $105,000 | $455,000 | $73,000 | $496,000 |
| Other | 54 | $5,420,000 | $100,000 | $1,925,000 | $138,000 | $1,021,000 |
| Collateral | 48 | $9,000,000 | $187,000 | $1,995,000 | $167,000 | $977,000 |
| Credit History | 15 | $1,615,000 | $107,000 | $275,000 | $75,000 | $179,000 |
| Unverifiable Information | 8 | $1,020,000 | $127,000 | $215,000 | $76,000 | $160,000 |
| Employment History | 4 | $550,000 | $137,000 | $225,000 | $39,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $275,000 | $49,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Univest Bank And Trust Co.'s 2018 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.