Univest Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Univest Bank And Trust Co. 2023 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 | 2,943 |
| Total Mortgage Loan Application Amount | $917,355,000 |
| Average Mortgage Loan Application Amount | $247,000 |
| Highest Mortgage Loan Application Amount | $21,355,000 |
| Average Applicant Income | $169,000 |
| Highest Applicant Income | $5,155,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 521 | $ 114,855,000 | $ 220,000 | $ 131,000 |
| Montgomery County Pennsylvania | 485 | $ 135,755,000 | $ 279,000 | $ 163,000 |
| Bucks County Pennsylvania | 322 | $ 92,520,000 | $ 287,000 | $ 176,000 |
| Lancaster County Pennsylvania | 286 | $ 76,700,000 | $ 268,000 | $ 141,000 |
| Berks County Pennsylvania | 198 | $ 45,460,000 | $ 229,000 | $ 111,000 |
| Chester County Pennsylvania | 136 | $ 59,170,000 | $ 435,000 | $ 267,000 |
| Allegheny County Pennsylvania | 106 | $ 30,340,000 | $ 286,000 | $ 158,000 |
| Lehigh County Pennsylvania | 94 | $ 18,970,000 | $ 201,000 | $ 106,000 |
| York County Pennsylvania | 62 | $ 14,350,000 | $ 231,000 | $ 116,000 |
| Northampton County Pennsylvania | 55 | $ 15,845,000 | $ 288,000 | $ 172,000 |
| Butler County Pennsylvania | 43 | $ 15,335,000 | $ 356,000 | $ 171,000 |
| Delaware County Pennsylvania | 40 | $ 20,880,000 | $ 522,000 | $ 234,000 |
| Cumberland County Pennsylvania | 37 | $ 9,435,000 | $ 255,000 | $ 113,000 |
| Lebanon County Pennsylvania | 35 | $ 8,405,000 | $ 240,000 | $ 226,000 |
| Dauphin County Pennsylvania | 34 | $ 6,190,000 | $ 182,000 | $ 104,000 |
| Monmouth County New Jersey | 30 | $ 28,020,000 | $ 934,000 | $ 491,000 |
| Atlantic County New Jersey | 28 | $ 11,040,000 | $ 394,000 | $ 508,000 |
| Schuylkill County Pennsylvania | 25 | $ 28,295,000 | $ 1,131,000 | $ 90,000 |
| Sussex County Delaware | 22 | $ 10,140,000 | $ 460,000 | $ 213,000 |
| Cape May County New Jersey | 21 | $ 15,995,000 | $ 761,000 | $ 637,000 |
| Burlington County New Jersey | 19 | $ 8,655,000 | $ 455,000 | $ 268,000 |
| Camden County New Jersey | 19 | $ 4,285,000 | $ 225,000 | $ 221,000 |
| Westmoreland County Pennsylvania | 19 | $ 3,285,000 | $ 172,000 | $ 76,000 |
| Mercer County New Jersey | 12 | $ 1,670,000 | $ 139,000 | $ 171,000 |
| Beaver County Pennsylvania | 11 | $ 4,145,000 | $ 376,000 | $ 200,000 |
| Union County New Jersey | 9 | $ 9,545,000 | $ 1,060,000 | $ 425,000 |
| Northumberland County Pennsylvania | 9 | $ 1,155,000 | $ 128,000 | $ 118,000 |
| Tioga County Pennsylvania | 9 | $ 1,755,000 | $ 195,000 | $ 84,000 |
| Columbia County Pennsylvania | 8 | $ 1,840,000 | $ 230,000 | $ 92,000 |
| Monroe County Pennsylvania | 8 | $ 2,140,000 | $ 267,000 | $ 91,000 |
| New Castle County Delaware | 7 | $ 2,005,000 | $ 286,000 | $ 145,000 |
| Middlesex County New Jersey | 7 | $ 2,255,000 | $ 322,000 | $ 754,000 |
| Ocean County New Jersey | 7 | $ 2,525,000 | $ 360,000 | $ 309,000 |
| Perry County Pennsylvania | 7 | $ 2,365,000 | $ 337,000 | $ 120,000 |
| Sarasota County Florida | 6 | $ 2,690,000 | $ 448,000 | $ 265,000 |
| Gloucester County New Jersey | 6 | $ 1,510,000 | $ 251,000 | $ 256,000 |
| Hudson County New Jersey | 6 | $ 6,200,000 | $ 1,033,000 | $ 443,000 |
| Carbon County Pennsylvania | 6 | $ 1,250,000 | $ 208,000 | $ 115,000 |
| Potter County Pennsylvania | 6 | $ 990,000 | $ 165,000 | $ 62,000 |
| Washington County Pennsylvania | 6 | $ 2,410,000 | $ 401,000 | $ 143,000 |
| Pinellas County Florida | 5 | $ 1,635,000 | $ 327,000 | $ 165,000 |
| Adams County Pennsylvania | 5 | $ 1,665,000 | $ 333,000 | $ 135,000 |
| Luzerne County Pennsylvania | 5 | $ 1,075,000 | $ 215,000 | $ 260,000 |
| Berkeley County South Carolina | 5 | $ 9,565,000 | $ 1,913,000 | $ 642,000 |
| Cecil County Maryland | 4 | $ 2,120,000 | $ 530,000 | $ 344,000 |
| Bergen County New Jersey | 4 | $ 2,500,000 | $ 625,000 | $ 451,000 |
| Hunterdon County New Jersey | 4 | $ 2,120,000 | $ 530,000 | $ 211,000 |
| Armstrong County Pennsylvania | 4 | $ 600,000 | $ 150,000 | $ 100,000 |
| Indiana County Pennsylvania | 4 | $ 820,000 | $ 205,000 | $ 137,000 |
| Beaufort County South Carolina | 4 | $ 2,510,000 | $ 627,000 | $ 339,000 |
| Charleston County South Carolina | 4 | $ 2,860,000 | $ 715,000 | $ 468,000 |
| Manatee County Florida | 3 | $ 985,000 | $ 328,000 | $ 136,000 |
| Palm Beach County Florida | 3 | $ 7,705,000 | $ 2,568,000 | $ 1,484,000 |
| Baltimore County Maryland | 3 | $ 3,205,000 | $ 1,068,000 | $ 540,000 |
| Essex County New Jersey | 3 | $ 765,000 | $ 255,000 | $ 145,000 |
| Warren County New Jersey | 3 | $ 645,000 | $ 215,000 | $ 114,000 |
| Centre County Pennsylvania | 3 | $ 1,035,000 | $ 345,000 | $ 128,000 |
| Lackawanna County Pennsylvania | 3 | $ 505,000 | $ 168,000 | $ 136,000 |
| Pike County Pennsylvania | 3 | $ 425,000 | $ 141,000 | $ 112,000 |
| Union County Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 201,000 |
| Greenville County South Carolina | 3 | $ 505,000 | $ 168,000 | $ 43,000 |
| Horry County South Carolina | 3 | $ 1,015,000 | $ 338,000 | $ 90,000 |
| Fairfield County Connecticut | 2 | $ 4,690,000 | $ 2,345,000 | $ 949,000 |
| Broward County Florida | 2 | $ 2,550,000 | $ 1,275,000 | $ 550,000 |
| Charlotte County Florida | 2 | $ 1,020,000 | $ 510,000 | $ 220,000 |
| St. Lucie County Florida | 2 | $ 470,000 | $ 235,000 | $ 266,000 |
| Walton County Florida | 2 | $ 470,000 | $ 235,000 | $ 143,000 |
| Harford County Maryland | 2 | $ 1,430,000 | $ 715,000 | $ 352,000 |
| Worcester County Maryland | 2 | $ 1,500,000 | $ 750,000 | $ 266,000 |
| Somerset County New Jersey | 2 | $ 830,000 | $ 415,000 | $ 172,000 |
| Sussex County New Jersey | 2 | $ 800,000 | $ 400,000 | $ 187,000 |
| Mecklenburg County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 91,000 |
| Pender County North Carolina | 2 | $ 650,000 | $ 325,000 | $ 133,000 |
| Wake County North Carolina | 2 | $ 930,000 | $ 465,000 | $ 176,000 |
| Erie County Pennsylvania | 2 | $ 800,000 | $ 400,000 | $ 336,000 |
| Franklin County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 75,000 |
| Juniata County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 42,000 |
| Lawrence County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Lycoming County Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| McKean County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Mifflin County Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 98,000 |
| York County South Carolina | 2 | $ 1,120,000 | $ 560,000 | $ 160,000 |
| Maricopa County Arizona | 1 | $ 825,000 | $ 825,000 | $ 304,000 |
| Garfield County Colorado | 1 | $ 435,000 | $ 435,000 | $ 1,718,000 |
| Routt County Colorado | 1 | $ 715,000 | $ 715,000 | $ 265,000 |
| New Haven County Connecticut | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Kent County Delaware | 1 | $ 485,000 | $ 485,000 | $ 201,000 |
| Bay County Florida | 1 | $ 445,000 | $ 445,000 | $ 130,000 |
| Collier County Florida | 1 | $ 795,000 | $ 795,000 | $ 692,000 |
| Hillsborough County Florida | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Indian River County Florida | 1 | $ 1,705,000 | $ 1,705,000 | $ 706,000 |
| Lake County Florida | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Lee County Florida | 1 | $ 725,000 | $ 725,000 | $ 389,000 |
| Marion County Florida | 1 | $ 885,000 | $ 885,000 | $ 312,000 |
| Osceola County Florida | 1 | $ 225,000 | $ 225,000 | $ 239,000 |
| Pasco County Florida | 1 | $ 885,000 | $ 885,000 | $ 338,000 |
| Polk County Florida | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Volusia County Florida | 1 | $ 395,000 | $ 395,000 | $ 129,000 |
| Cobb County Georgia | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Coweta County Georgia | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Carroll County Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dorchester County Maryland | 1 | $ 285,000 | $ 285,000 | $ 315,000 |
| Frederick County Maryland | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Garrett County Maryland | 1 | $ 1,645,000 | $ 1,645,000 | $ 499,000 |
| Montgomery County Maryland | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Queen Anne's County Maryland | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 605,000 | $ 605,000 | $ 167,000 |
| Cumberland County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Morris County New Jersey | 1 | $ 1,445,000 | $ 1,445,000 | $ 324,000 |
| Passaic County New Jersey | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Salem County New Jersey | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Allegany County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Nassau County New York | 1 | $ 1,765,000 | $ 1,765,000 | $ 497,000 |
| Steuben County New York | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Suffolk County New York | 1 | $ 1,105,000 | $ 1,105,000 | $ 340,000 |
| Washington County New York | 1 | $ 915,000 | $ 915,000 | $ 813,000 |
| Brunswick County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Carteret County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Columbus County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 239,000 |
| New Hanover County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 244,000 |
| Onslow County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Blair County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Bradford County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 419,000 |
| Clinton County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Elk County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 260,000 |
| Fayette County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Sullivan County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Wayne County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 387,000 |
| Wyoming County Pennsylvania | 1 | $ 3,755,000 | $ 3,755,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 137,000 |
| Lancaster County South Carolina | 1 | $ 945,000 | $ 945,000 | $ 253,000 |
| Alexandria County Virginia | 1 | $ 455,000 | $ 455,000 | $ 407,000 |
| Fairfax County Virginia | 1 | $ 1,885,000 | $ 1,885,000 | $ 567,000 |
| Lynchburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Cabell County West Virginia | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Monongalia County West Virginia | 1 | $ 455,000 | $ 455,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Univest Bank And Trust Co. in 2023
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 | 1,631 | $676,005,000 | $414,000 | $21,355,000 | $187,000 | $5,155,000 |
| Home Improvement | 710 | $86,430,000 | $121,000 | $2,505,000 | $150,000 | $4,875,000 |
| Refinancing | 376 | $114,160,000 | $303,000 | $3,755,000 | $187,000 | $3,271,000 |
| Other Purpose | 140 | $16,870,000 | $120,000 | $855,000 | $179,000 | $2,755,000 |
| Cash-out Refinancing | 86 | $23,890,000 | $277,000 | $2,505,000 | $142,000 | $857,000 |
| 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 | 1,925 | $570,025,000 | $296,000 | $5,255,000 | $186,000 | $5,155,000 |
| Not Provided | 332 | $114,580,000 | $345,000 | $2,885,000 | $180,000 | $1,341,000 |
| Black or African American | 189 | $30,505,000 | $161,000 | $1,925,000 | $101,000 | $1,440,000 |
| Hispanic | 166 | $34,560,000 | $208,000 | $2,305,000 | $106,000 | $1,440,000 |
| Not applicable | 163 | $98,945,000 | $607,000 | $21,355,000 | $0 | $0 |
| Asian | 143 | $58,405,000 | $408,000 | $1,885,000 | $175,000 | $1,414,000 |
| American Indian or Alaskan Native | 12 | $2,100,000 | $175,000 | $805,000 | $135,000 | $588,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $510,000 | $255,000 | $275,000 | $150,000 | $174,000 |
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) | 2,753 | $869,945,000 | $315,000 | $21,355,000 | $182,000 | $5,155,000 |
| FHA-insured (Federal Housing Administration) | 164 | $38,660,000 | $235,000 | $535,000 | $81,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 23 | $7,965,000 | $346,000 | $875,000 | $113,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $785,000 | $261,000 | $325,000 | $77,000 | $106,000 |
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 | 2,150 | $718,780,000 | $334,000 | $21,355,000 | $184,000 | $5,155,000 |
| Application Withdrawn By Applicant | 385 | $125,385,000 | $325,000 | $5,255,000 | $167,000 | $3,388,000 |
| Application Denied By Financial Institution | 241 | $34,255,000 | $142,000 | $2,505,000 | $83,000 | $776,000 |
| File Closed For Incompleteness | 132 | $24,890,000 | $188,000 | $2,105,000 | $230,000 | $4,875,000 |
| Application Approved But Not Accepted | 31 | $8,455,000 | $272,000 | $2,485,000 | $158,000 | $887,000 |
| Preapproval Approved but not Accepted | 4 | $5,590,000 | $1,397,000 | $3,965,000 | $564,000 | $1,638,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,702 | $883,100,000 | $326,000 | $21,355,000 | $184,000 | $5,155,000 |
| Debt-To-Income Ratio | 146 | $20,420,000 | $139,000 | $995,000 | $68,000 | $488,000 |
| Collateral | 45 | $8,385,000 | $186,000 | $2,505,000 | $140,000 | $776,000 |
| Credit History | 22 | $2,280,000 | $103,000 | $505,000 | $95,000 | $222,000 |
| Other | 15 | $1,385,000 | $92,000 | $335,000 | $74,000 | $170,000 |
| Employment History | 8 | $740,000 | $92,000 | $155,000 | $13,000 | $43,000 |
| Unverifiable Information | 3 | $505,000 | $168,000 | $245,000 | $66,000 | $199,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $540,000 | $270,000 | $275,000 | $78,000 | $78,000 |
| 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 2023 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.