Univest Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Univest Bank And Trust Co. 2022 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 | 3,745 |
| Total Mortgage Loan Application Amount | $1,204,185,000 |
| Average Mortgage Loan Application Amount | $261,800 |
| Highest Mortgage Loan Application Amount | $14,965,000 |
| Average Applicant Income | $179,200 |
| Highest Applicant Income | $7,088,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia County Pennsylvania | 682 | $ 216,970,000 | $ 318,000 | $ 124,000 |
| Montgomery County Pennsylvania | 616 | $ 158,060,000 | $ 256,000 | $ 169,000 |
| Bucks County Pennsylvania | 526 | $ 144,980,000 | $ 275,000 | $ 193,000 |
| Lancaster County Pennsylvania | 458 | $ 112,970,000 | $ 246,000 | $ 141,000 |
| Chester County Pennsylvania | 238 | $ 103,240,000 | $ 433,000 | $ 254,000 |
| Berks County Pennsylvania | 155 | $ 39,555,000 | $ 255,000 | $ 124,000 |
| Lehigh County Pennsylvania | 118 | $ 26,080,000 | $ 221,000 | $ 119,000 |
| Delaware County Pennsylvania | 100 | $ 34,670,000 | $ 346,000 | $ 198,000 |
| Northampton County Pennsylvania | 59 | $ 14,635,000 | $ 248,000 | $ 143,000 |
| Cape May County New Jersey | 56 | $ 33,050,000 | $ 590,000 | $ 350,000 |
| Cumberland County Pennsylvania | 52 | $ 15,890,000 | $ 305,000 | $ 97,000 |
| York County Pennsylvania | 45 | $ 11,865,000 | $ 263,000 | $ 120,000 |
| Dauphin County Pennsylvania | 40 | $ 16,170,000 | $ 404,000 | $ 174,000 |
| Lebanon County Pennsylvania | 37 | $ 9,085,000 | $ 245,000 | $ 97,000 |
| Camden County New Jersey | 35 | $ 9,715,000 | $ 277,000 | $ 192,000 |
| Burlington County New Jersey | 34 | $ 9,260,000 | $ 272,000 | $ 146,000 |
| Monmouth County New Jersey | 32 | $ 28,310,000 | $ 884,000 | $ 467,000 |
| Mercer County New Jersey | 29 | $ 8,465,000 | $ 291,000 | $ 219,000 |
| Atlantic County New Jersey | 27 | $ 8,835,000 | $ 327,000 | $ 277,000 |
| Monroe County Pennsylvania | 24 | $ 4,300,000 | $ 179,000 | $ 115,000 |
| Schuylkill County Pennsylvania | 22 | $ 3,510,000 | $ 159,000 | $ 109,000 |
| Carbon County Pennsylvania | 21 | $ 4,555,000 | $ 216,000 | $ 134,000 |
| Middlesex County New Jersey | 19 | $ 6,295,000 | $ 331,000 | $ 265,000 |
| Ocean County New Jersey | 17 | $ 8,295,000 | $ 487,000 | $ 259,000 |
| Union County New Jersey | 17 | $ 17,945,000 | $ 1,055,000 | $ 428,000 |
| Hudson County New Jersey | 15 | $ 16,985,000 | $ 1,132,000 | $ 683,000 |
| New Castle County Delaware | 12 | $ 2,850,000 | $ 237,000 | $ 104,000 |
| Sarasota County Florida | 12 | $ 4,250,000 | $ 354,000 | $ 597,000 |
| Bergen County New Jersey | 11 | $ 10,325,000 | $ 938,000 | $ 785,000 |
| Gloucester County New Jersey | 10 | $ 2,220,000 | $ 222,000 | $ 145,000 |
| Pike County Pennsylvania | 8 | $ 1,710,000 | $ 213,000 | $ 305,000 |
| Sussex County Delaware | 7 | $ 3,615,000 | $ 516,000 | $ 315,000 |
| Essex County New Jersey | 7 | $ 1,315,000 | $ 187,000 | $ 182,000 |
| Adams County Pennsylvania | 7 | $ 10,805,000 | $ 1,543,000 | $ 75,000 |
| Northumberland County Pennsylvania | 7 | $ 1,355,000 | $ 193,000 | $ 94,000 |
| Perry County Pennsylvania | 7 | $ 2,535,000 | $ 362,000 | $ 96,000 |
| Palm Beach County Florida | 6 | $ 10,240,000 | $ 1,706,000 | $ 901,000 |
| Allegheny County Pennsylvania | 6 | $ 850,000 | $ 141,000 | $ 190,000 |
| Mifflin County Pennsylvania | 6 | $ 2,780,000 | $ 463,000 | $ 48,000 |
| Charleston County South Carolina | 6 | $ 6,570,000 | $ 1,095,000 | $ 314,000 |
| Warren County New Jersey | 5 | $ 1,065,000 | $ 213,000 | $ 96,000 |
| Beaufort County South Carolina | 5 | $ 2,365,000 | $ 473,000 | $ 152,000 |
| Lee County Florida | 4 | $ 2,240,000 | $ 560,000 | $ 226,000 |
| Marion County Florida | 4 | $ 1,200,000 | $ 300,000 | $ 211,000 |
| Sussex County New Jersey | 4 | $ 2,410,000 | $ 602,000 | $ 313,000 |
| Suffolk County New York | 4 | $ 2,850,000 | $ 712,000 | $ 170,000 |
| Franklin County Pennsylvania | 4 | $ 1,240,000 | $ 310,000 | $ 99,000 |
| Lackawanna County Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 58,000 |
| Collier County Florida | 3 | $ 2,155,000 | $ 718,000 | $ 265,000 |
| Hillsborough County Florida | 3 | $ 2,795,000 | $ 931,000 | $ 278,000 |
| Pinellas County Florida | 3 | $ 1,095,000 | $ 365,000 | $ 254,000 |
| Polk County Florida | 3 | $ 745,000 | $ 248,000 | $ 132,000 |
| Hunterdon County New Jersey | 3 | $ 1,615,000 | $ 538,000 | $ 273,000 |
| Morris County New Jersey | 3 | $ 3,505,000 | $ 1,168,000 | $ 367,000 |
| Wayne County Pennsylvania | 3 | $ 1,215,000 | $ 405,000 | $ 198,000 |
| Fairfax County Virginia | 3 | $ 2,855,000 | $ 951,000 | $ 376,000 |
| Maricopa County Arizona | 2 | $ 1,610,000 | $ 805,000 | $ 402,000 |
| Fairfield County Connecticut | 2 | $ 9,620,000 | $ 4,810,000 | $ 2,286,000 |
| Hernando County Florida | 2 | $ 650,000 | $ 325,000 | $ 122,000 |
| Lake County Florida | 2 | $ 940,000 | $ 470,000 | $ 162,000 |
| Manatee County Florida | 2 | $ 880,000 | $ 440,000 | $ 128,000 |
| Monroe County Florida | 2 | $ 1,070,000 | $ 535,000 | $ 158,000 |
| Osceola County Florida | 2 | $ 640,000 | $ 320,000 | $ 97,000 |
| Cecil County Maryland | 2 | $ 490,000 | $ 245,000 | $ 54,000 |
| Kent County Maryland | 2 | $ 1,130,000 | $ 565,000 | $ 228,000 |
| Queen Anne's County Maryland | 2 | $ 800,000 | $ 400,000 | $ 158,000 |
| Worcester County Maryland | 2 | $ 460,000 | $ 230,000 | $ 254,000 |
| Somerset County New Jersey | 2 | $ 940,000 | $ 470,000 | $ 108,000 |
| Nassau County New York | 2 | $ 1,980,000 | $ 990,000 | $ 422,000 |
| Mecklenburg County North Carolina | 2 | $ 950,000 | $ 475,000 | $ 221,000 |
| Cuyahoga County Ohio | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
| Hamilton County Ohio | 2 | $ 230,000 | $ 115,000 | $ 251,000 |
| Bradford County Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 113,000 |
| Indiana County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Juniata County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 55,000 |
| Luzerne County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 51,000 |
| Lycoming County Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 44,000 |
| Montour County Pennsylvania | 2 | $ 480,000 | $ 240,000 | $ 30,000 |
| Potter County Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 258,000 |
| Tioga County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 663,000 |
| Washington County Pennsylvania | 2 | $ 580,000 | $ 290,000 | $ 92,000 |
| Wyoming County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 214,000 |
| Berkeley County South Carolina | 2 | $ 1,600,000 | $ 800,000 | $ 326,000 |
| Dorchester County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 320,000 |
| Horry County South Carolina | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Bay County Florida | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Charlotte County Florida | 1 | $ 1,615,000 | $ 1,615,000 | $ 381,000 |
| Indian River County Florida | 1 | $ 1,045,000 | $ 1,045,000 | $ 1,123,000 |
| Martin County Florida | 1 | $ 645,000 | $ 645,000 | $ 283,000 |
| Nassau County Florida | 1 | $ 465,000 | $ 465,000 | $ 172,000 |
| Orange County Florida | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Santa Rosa County Florida | 1 | $ 335,000 | $ 335,000 | $ 449,000 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 286,000 |
| St. Lucie County Florida | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Volusia County Florida | 1 | $ 645,000 | $ 645,000 | $ 282,000 |
| Walton County Florida | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Chatham County Georgia | 1 | $ 245,000 | $ 245,000 | $ 323,000 |
| Cobb County Georgia | 1 | $ 375,000 | $ 375,000 | $ 147,000 |
| Effingham County Georgia | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| Anne Arundel County Maryland | 1 | $ 525,000 | $ 525,000 | $ 200,000 |
| Baltimore City County Maryland | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Carroll County Maryland | 1 | $ 265,000 | $ 265,000 | $ 42,000 |
| Frederick County Maryland | 1 | $ 405,000 | $ 405,000 | $ 103,000 |
| Montgomery County Maryland | 1 | $ 665,000 | $ 665,000 | $ 265,000 |
| Talbot County Maryland | 1 | $ 1,835,000 | $ 1,835,000 | $ 448,000 |
| Plymouth County Massachusetts | 1 | $ 625,000 | $ 625,000 | $ 3,680,000 |
| Oakland County Michigan | 1 | $ 745,000 | $ 745,000 | $ 235,000 |
| Cumberland County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Passaic County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 255,000 |
| Salem County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Broome County New York | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Dutchess County New York | 1 | $ 435,000 | $ 435,000 | $ 135,000 |
| Jefferson County New York | 1 | $ 925,000 | $ 925,000 | $ 198,000 |
| Tompkins County New York | 1 | $ 355,000 | $ 355,000 | $ 171,000 |
| Catawba County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Craven County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 152,000 |
| Currituck County North Carolina | 1 | $ 725,000 | $ 725,000 | $ 635,000 |
| Dare County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 181,000 |
| Stanly County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Beaver County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 215,000 |
| Centre County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Mercer County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Westmoreland County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Oconee County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 183,000 |
| Windham County Vermont | 1 | $ 285,000 | $ 285,000 | $ 231,000 |
| Newport News County Virginia | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Roanoke City County Virginia | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Univest Bank And Trust Co. in 2022
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 | 1,905 | $788,485,000 | $413,000 | $14,965,000 | $181,000 | $7,088,000 |
| Home Improvement | 765 | $104,255,000 | $136,000 | $4,575,000 | $162,000 | $3,660,000 |
| Refinancing | 613 | $204,345,000 | $333,000 | $6,575,000 | $209,000 | $4,740,000 |
| Cash-out Refinancing | 274 | $84,660,000 | $308,000 | $2,505,000 | $183,000 | $4,735,000 |
| Other Purpose | 188 | $22,440,000 | $119,000 | $905,000 | $161,000 | $2,580,000 |
| 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 | 2,397 | $713,975,000 | $297,000 | $6,575,000 | $184,000 | $7,088,000 |
| Not Provided | 435 | $158,425,000 | $364,000 | $5,815,000 | $218,000 | $4,735,000 |
| Not applicable | 282 | $175,460,000 | $622,000 | $14,965,000 | $0 | $0 |
| Black or African American | 227 | $39,385,000 | $173,000 | $1,095,000 | $88,000 | $673,000 |
| Asian | 194 | $69,590,000 | $358,000 | $3,125,000 | $187,000 | $1,560,000 |
| Hispanic | 184 | $39,910,000 | $216,000 | $1,065,000 | $119,000 | $3,680,000 |
| American Indian or Alaskan Native | 16 | $3,110,000 | $194,000 | $455,000 | $291,000 | $2,856,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $610,000 | $305,000 | $415,000 | $146,000 | $221,000 |
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) | 3,493 | $1,144,915,000 | $327,000 | $14,965,000 | $189,000 | $7,088,000 |
| FHA-insured (Federal Housing Administration) | 218 | $49,740,000 | $228,000 | $495,000 | $68,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 24 | $7,540,000 | $314,000 | $585,000 | $92,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,990,000 | $199,000 | $305,000 | $77,000 | $101,000 |
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 | 2,852 | $989,080,000 | $346,000 | $14,965,000 | $185,000 | $7,088,000 |
| Application Withdrawn By Applicant | 455 | $141,535,000 | $311,000 | $2,275,000 | $183,000 | $4,735,000 |
| Application Denied By Financial Institution | 261 | $46,055,000 | $176,000 | $1,615,000 | $85,000 | $663,000 |
| File Closed For Incompleteness | 146 | $21,850,000 | $149,000 | $705,000 | $235,000 | $4,740,000 |
| Application Approved But Not Accepted | 30 | $5,190,000 | $173,000 | $595,000 | $198,000 | $1,454,000 |
| Preapproval Denied by Financial Institution | 1 | $475,000 | $475,000 | $475,000 | $127,000 | $127,000 |
| 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 | 3,483 | $1,157,655,000 | $332,000 | $14,965,000 | $187,000 | $7,088,000 |
| Debt-To-Income Ratio | 146 | $26,080,000 | $178,000 | $975,000 | $59,000 | $325,000 |
| Collateral | 43 | $8,095,000 | $188,000 | $1,615,000 | $147,000 | $498,000 |
| Other | 29 | $5,105,000 | $176,000 | $475,000 | $138,000 | $663,000 |
| Credit History | 28 | $3,890,000 | $138,000 | $605,000 | $90,000 | $278,000 |
| Employment History | 8 | $1,510,000 | $188,000 | $485,000 | $20,000 | $86,000 |
| Unverifiable Information | 5 | $1,335,000 | $267,000 | $545,000 | $110,000 | $253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $515,000 | $171,000 | $275,000 | $50,000 | $85,000 |
| 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 2022 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.