Univest Bank and Trust Co. Mortgage Lending & HMDA Data, 2022
In 2022, Univest Bank and Trust Co. of Souderton, PA reported 3,745 mortgage applications totaling $1.2 billion, down 22% from 2021. The average application was for $321,544, and applicants reported an average income of $180,844. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (1,380), Philadelphia, PA (782) and Lancaster, PA (458) (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 | 3,745 |
| Total Mortgage Loan Application Amount | $1,204,185,000 |
| Average Mortgage Loan Application Amount | $321,544 |
| Highest Mortgage Loan Application Amount | $14,965,000 |
| Average Applicant Income | $180,844 |
| Highest Applicant Income | $7,088,000 |
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records Univest Bank and Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County-Bucks County-Chester County, PA | 1,380 | $ 406,280,000 | $ 294,405 | $ 192,000 |
| Philadelphia, PA | 782 | $ 251,640,000 | $ 321,790 | $ 134,000 |
| Lancaster, PA | 458 | $ 112,970,000 | $ 246,659 | $ 141,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 203 | $ 46,335,000 | $ 228,251 | $ 127,211 |
| Reading, PA | 155 | $ 39,555,000 | $ 255,193 | $ 124,000 |
| Harrisburg-Carlisle, PA | 99 | $ 34,595,000 | $ 349,444 | $ 117,000 |
| Camden, NJ | 79 | $ 21,195,000 | $ 268,291 | $ 167,000 |
| New York-Newark, NY | 71 | $ 44,275,000 | $ 623,591 | $ 347,957 |
| Outside any metro area | 57 | $ 15,755,000 | $ 276,403 | $ 140,929 |
| Ocean City, NJ | 56 | $ 33,050,000 | $ 590,178 | $ 350,000 |
| York-Hanover, PA | 45 | $ 11,865,000 | $ 263,666 | $ 120,000 |
| Newark, NJ-PA | 42 | $ 28,500,000 | $ 678,571 | $ 336,571 |
| Lebanon, PA | 37 | $ 9,085,000 | $ 245,540 | $ 97,000 |
| Trenton, NJ | 29 | $ 8,465,000 | $ 291,896 | $ 219,000 |
| Atlantic City-Hammonton, NJ | 27 | $ 8,835,000 | $ 327,222 | $ 277,000 |
| New York-Jersey City-White Plains, NY-NJ | 27 | $ 27,515,000 | $ 1,019,074 | $ 707,000 |
| East Stroudsburg, PA | 24 | $ 4,300,000 | $ 179,166 | $ 115,000 |
| Wilmington, DE-MD-NJ | 15 | $ 3,595,000 | $ 239,666 | $ 98,800 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 5,130,000 | $ 366,428 | $ 519,000 |
| Charleston-North Charleston, SC | 10 | $ 8,720,000 | $ 872,000 | $ 317,000 |
| Pittsburgh, PA | 10 | $ 2,190,000 | $ 219,000 | $ 162,000 |
| Salisbury, MD-DE | 9 | $ 4,075,000 | $ 452,777 | $ 301,444 |
| Scranton--Wilkes-Barre--Hazleton, PA | 8 | $ 1,040,000 | $ 130,000 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 4,540,000 | $ 567,500 | $ 230,000 |
| Gettysburg, PA | 7 | $ 10,805,000 | $ 1,543,571 | $ 75,000 |
| Nassau County-Suffolk County, NY | 6 | $ 4,830,000 | $ 805,000 | $ 254,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 10,240,000 | $ 1,706,666 | $ 901,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 2,975,000 | $ 595,000 | $ 139,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 2,365,000 | $ 473,000 | $ 152,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,905,000 | $ 381,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,240,000 | $ 560,000 | $ 226,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 1,240,000 | $ 310,000 | $ 99,000 |
| Ocala, FL | 4 | $ 1,200,000 | $ 300,000 | $ 211,000 |
| Lakeland-Winter Haven, FL | 3 | $ 745,000 | $ 248,333 | $ 132,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 2,155,000 | $ 718,333 | $ 265,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,855,000 | $ 951,666 | $ 376,000 |
| Bloomsburg-Berwick, PA | 2 | $ 480,000 | $ 240,000 | $ 30,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 9,620,000 | $ 4,810,000 | $ 2,286,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 950,000 | $ 475,000 | $ 221,000 |
| Cincinnati, OH-KY-IN | 2 | $ 230,000 | $ 115,000 | $ 251,000 |
| Cleveland-Elyria, OH | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
| Jacksonville, FL | 2 | $ 770,000 | $ 385,000 | $ 229,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,610,000 | $ 805,000 | $ 402,000 |
| Port St. Lucie, FL | 2 | $ 830,000 | $ 415,000 | $ 173,000 |
| Savannah, GA | 2 | $ 740,000 | $ 370,000 | $ 234,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 830,000 | $ 415,000 | $ 331,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,070,000 | $ 535,000 | $ 184,000 |
| Williamsport, PA | 2 | $ 370,000 | $ 185,000 | $ 44,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 375,000 | $ 375,000 | $ 147,000 |
| Binghamton, NY | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Boston, MA | 1 | $ 625,000 | $ 625,000 | $ 3,680,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 645,000 | $ 645,000 | $ 282,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ithaca, NY | 1 | $ 355,000 | $ 355,000 | $ 171,000 |
| New Bern, NC | 1 | $ 375,000 | $ 375,000 | $ 152,000 |
| Panama City, FL | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 335,000 | $ 335,000 | $ 449,000 |
| Punta Gorda, FL | 1 | $ 1,615,000 | $ 1,615,000 | $ 381,000 |
| Roanoke, VA | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,045,000 | $ 1,045,000 | $ 1,123,000 |
| State College, PA | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Vineland-Bridgeton, NJ | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 745,000 | $ 745,000 | $ 235,000 |
| Watertown-Fort Drum, NY | 1 | $ 925,000 | $ 925,000 | $ 198,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
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.
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