Univest Bank and Trust Co. Mortgage Lending & HMDA Data, 2023
In 2023, Univest Bank and Trust Co. of Souderton, PA reported 2,943 mortgage applications totaling $917.4 million, down 21% from 2022. The average application was for $311,707, and applicants reported an average income of $176,378. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (943), Philadelphia, PA (561) and Lancaster, PA (286) (applications in parentheses).
| 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 | 2025 2024 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 | $311,707 |
| Highest Mortgage Loan Application Amount | $21,355,000 |
| Average Applicant Income | $176,378 |
| Highest Applicant Income | $5,155,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Univest Bank and Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, Pennsylvania | 521 | $ 114,855,000 | $ 220,451 | $ 131,000 |
| Montgomery, Pennsylvania | 485 | $ 135,755,000 | $ 279,907 | $ 163,000 |
| Bucks, Pennsylvania | 322 | $ 92,520,000 | $ 287,329 | $ 176,000 |
| Lancaster, Pennsylvania | 286 | $ 76,700,000 | $ 268,181 | $ 141,000 |
| Berks, Pennsylvania | 198 | $ 45,460,000 | $ 229,595 | $ 111,000 |
| Chester, Pennsylvania | 136 | $ 59,170,000 | $ 435,073 | $ 267,000 |
| Allegheny, Pennsylvania | 106 | $ 30,340,000 | $ 286,226 | $ 158,000 |
| Lehigh, Pennsylvania | 94 | $ 18,970,000 | $ 201,808 | $ 106,000 |
| York, Pennsylvania | 62 | $ 14,350,000 | $ 231,451 | $ 116,000 |
| Northampton, Pennsylvania | 55 | $ 15,845,000 | $ 288,090 | $ 172,000 |
| Butler, Pennsylvania | 43 | $ 15,335,000 | $ 356,627 | $ 171,000 |
| Delaware, Pennsylvania | 40 | $ 20,880,000 | $ 522,000 | $ 234,000 |
| Cumberland, Pennsylvania | 37 | $ 9,435,000 | $ 255,000 | $ 113,000 |
| Lebanon, Pennsylvania | 35 | $ 8,405,000 | $ 240,142 | $ 226,000 |
| Dauphin, Pennsylvania | 34 | $ 6,190,000 | $ 182,058 | $ 104,000 |
| Monmouth, New Jersey | 30 | $ 28,020,000 | $ 934,000 | $ 491,000 |
| Atlantic, New Jersey | 28 | $ 11,040,000 | $ 394,285 | $ 508,000 |
| Schuylkill, Pennsylvania | 25 | $ 28,295,000 | $ 1,131,800 | $ 90,000 |
| Sussex, Delaware | 22 | $ 10,140,000 | $ 460,909 | $ 213,000 |
| Cape May, New Jersey | 21 | $ 15,995,000 | $ 761,666 | $ 637,000 |
| Burlington, New Jersey | 19 | $ 8,655,000 | $ 455,526 | $ 268,000 |
| Camden, New Jersey | 19 | $ 4,285,000 | $ 225,526 | $ 221,000 |
| Westmoreland, Pennsylvania | 19 | $ 3,285,000 | $ 172,894 | $ 76,000 |
| Mercer, New Jersey | 12 | $ 1,670,000 | $ 139,166 | $ 171,000 |
| Beaver, Pennsylvania | 11 | $ 4,145,000 | $ 376,818 | $ 200,000 |
| Union, New Jersey | 9 | $ 9,545,000 | $ 1,060,555 | $ 425,000 |
| Northumberland, Pennsylvania | 9 | $ 1,155,000 | $ 128,333 | $ 118,000 |
| Tioga, Pennsylvania | 9 | $ 1,755,000 | $ 195,000 | $ 84,000 |
| Columbia, Pennsylvania | 8 | $ 1,840,000 | $ 230,000 | $ 92,000 |
| Monroe, Pennsylvania | 8 | $ 2,140,000 | $ 267,500 | $ 91,000 |
| New Castle, Delaware | 7 | $ 2,005,000 | $ 286,428 | $ 145,000 |
| Middlesex, New Jersey | 7 | $ 2,255,000 | $ 322,142 | $ 754,000 |
| Ocean, New Jersey | 7 | $ 2,525,000 | $ 360,714 | $ 309,000 |
| Perry, Pennsylvania | 7 | $ 2,365,000 | $ 337,857 | $ 120,000 |
| Sarasota, Florida | 6 | $ 2,690,000 | $ 448,333 | $ 265,000 |
| Gloucester, New Jersey | 6 | $ 1,510,000 | $ 251,666 | $ 256,000 |
| Hudson, New Jersey | 6 | $ 6,200,000 | $ 1,033,333 | $ 443,000 |
| Carbon, Pennsylvania | 6 | $ 1,250,000 | $ 208,333 | $ 115,000 |
| Potter, Pennsylvania | 6 | $ 990,000 | $ 165,000 | $ 62,000 |
| Washington, Pennsylvania | 6 | $ 2,410,000 | $ 401,666 | $ 143,000 |
| Pinellas, Florida | 5 | $ 1,635,000 | $ 327,000 | $ 165,000 |
| Adams, Pennsylvania | 5 | $ 1,665,000 | $ 333,000 | $ 135,000 |
| Luzerne, Pennsylvania | 5 | $ 1,075,000 | $ 215,000 | $ 260,000 |
| Berkeley, South Carolina | 5 | $ 9,565,000 | $ 1,913,000 | $ 642,000 |
| Cecil, Maryland | 4 | $ 2,120,000 | $ 530,000 | $ 344,000 |
| Bergen, New Jersey | 4 | $ 2,500,000 | $ 625,000 | $ 451,000 |
| Hunterdon, New Jersey | 4 | $ 2,120,000 | $ 530,000 | $ 211,000 |
| Armstrong, Pennsylvania | 4 | $ 600,000 | $ 150,000 | $ 100,000 |
| Indiana, Pennsylvania | 4 | $ 820,000 | $ 205,000 | $ 137,000 |
| Beaufort, South Carolina | 4 | $ 2,510,000 | $ 627,500 | $ 339,000 |
| Charleston, South Carolina | 4 | $ 2,860,000 | $ 715,000 | $ 468,000 |
| Manatee, Florida | 3 | $ 985,000 | $ 328,333 | $ 136,000 |
| Palm Beach, Florida | 3 | $ 7,705,000 | $ 2,568,333 | $ 1,484,000 |
| Baltimore, Maryland | 3 | $ 3,205,000 | $ 1,068,333 | $ 540,000 |
| Essex, New Jersey | 3 | $ 765,000 | $ 255,000 | $ 145,000 |
| Warren, New Jersey | 3 | $ 645,000 | $ 215,000 | $ 114,000 |
| Centre, Pennsylvania | 3 | $ 1,035,000 | $ 345,000 | $ 128,000 |
| Lackawanna, Pennsylvania | 3 | $ 505,000 | $ 168,333 | $ 136,000 |
| Pike, Pennsylvania | 3 | $ 425,000 | $ 141,666 | $ 112,000 |
| Union, Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 201,000 |
| Greenville, South Carolina | 3 | $ 505,000 | $ 168,333 | $ 43,000 |
| Horry, South Carolina | 3 | $ 1,015,000 | $ 338,333 | $ 90,000 |
| Fairfield, Connecticut | 2 | $ 4,690,000 | $ 2,345,000 | $ 949,000 |
| Broward, Florida | 2 | $ 2,550,000 | $ 1,275,000 | $ 550,000 |
| Charlotte, Florida | 2 | $ 1,020,000 | $ 510,000 | $ 220,000 |
| St. Lucie, Florida | 2 | $ 470,000 | $ 235,000 | $ 266,000 |
| Walton, Florida | 2 | $ 470,000 | $ 235,000 | $ 143,000 |
| Harford, Maryland | 2 | $ 1,430,000 | $ 715,000 | $ 352,000 |
| Worcester, Maryland | 2 | $ 1,500,000 | $ 750,000 | $ 266,000 |
| Somerset, New Jersey | 2 | $ 830,000 | $ 415,000 | $ 172,000 |
| Sussex, New Jersey | 2 | $ 800,000 | $ 400,000 | $ 187,000 |
| Mecklenburg, North Carolina | 2 | $ 720,000 | $ 360,000 | $ 91,000 |
| Pender, North Carolina | 2 | $ 650,000 | $ 325,000 | $ 133,000 |
| Wake, North Carolina | 2 | $ 930,000 | $ 465,000 | $ 176,000 |
| Erie, Pennsylvania | 2 | $ 800,000 | $ 400,000 | $ 336,000 |
| Franklin, Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 75,000 |
| Juniata, Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 42,000 |
| Lawrence, Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Lycoming, Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| McKean, Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Mifflin, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 98,000 |
| York, South Carolina | 2 | $ 1,120,000 | $ 560,000 | $ 160,000 |
| Maricopa, Arizona | 1 | $ 825,000 | $ 825,000 | $ 304,000 |
| Garfield, Colorado | 1 | $ 435,000 | $ 435,000 | $ 1,718,000 |
| Routt, Colorado | 1 | $ 715,000 | $ 715,000 | $ 265,000 |
| New Haven, Connecticut | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Kent, Delaware | 1 | $ 485,000 | $ 485,000 | $ 201,000 |
| Bay, Florida | 1 | $ 445,000 | $ 445,000 | $ 130,000 |
| Collier, Florida | 1 | $ 795,000 | $ 795,000 | $ 692,000 |
| Hillsborough, Florida | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Indian River, Florida | 1 | $ 1,705,000 | $ 1,705,000 | $ 706,000 |
| Lake, Florida | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Lee, Florida | 1 | $ 725,000 | $ 725,000 | $ 389,000 |
| Marion, Florida | 1 | $ 885,000 | $ 885,000 | $ 312,000 |
| Osceola, Florida | 1 | $ 225,000 | $ 225,000 | $ 239,000 |
| Pasco, Florida | 1 | $ 885,000 | $ 885,000 | $ 338,000 |
| Polk, Florida | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Volusia, Florida | 1 | $ 395,000 | $ 395,000 | $ 129,000 |
| Cobb, Georgia | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Coweta, Georgia | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Carroll, Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dorchester, Maryland | 1 | $ 285,000 | $ 285,000 | $ 315,000 |
| Frederick, Maryland | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Garrett, Maryland | 1 | $ 1,645,000 | $ 1,645,000 | $ 499,000 |
| Montgomery, Maryland | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Queen Anne's, Maryland | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 605,000 | $ 605,000 | $ 167,000 |
| Cumberland, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Morris, New Jersey | 1 | $ 1,445,000 | $ 1,445,000 | $ 324,000 |
| Passaic, New Jersey | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Salem, New Jersey | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Allegany, New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Nassau, New York | 1 | $ 1,765,000 | $ 1,765,000 | $ 497,000 |
| Steuben, New York | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Suffolk, New York | 1 | $ 1,105,000 | $ 1,105,000 | $ 340,000 |
| Washington, New York | 1 | $ 915,000 | $ 915,000 | $ 813,000 |
| Brunswick, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Carteret, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Columbus, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 239,000 |
| New Hanover, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 244,000 |
| Onslow, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Blair, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Bradford, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 419,000 |
| Clinton, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Elk, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 260,000 |
| Fayette, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Sullivan, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Wayne, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 387,000 |
| Wyoming, Pennsylvania | 1 | $ 3,755,000 | $ 3,755,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 365,000 | $ 365,000 | $ 137,000 |
| Lancaster, South Carolina | 1 | $ 945,000 | $ 945,000 | $ 253,000 |
| Alexandria, Virginia | 1 | $ 455,000 | $ 455,000 | $ 407,000 |
| Fairfax, Virginia | 1 | $ 1,885,000 | $ 1,885,000 | $ 567,000 |
| Lynchburg, Virginia | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Cabell, West Virginia | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Monongalia, 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.
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