Univest National Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Univest National Bank & Trust of Souderton,, PA reported 1,619 mortgage applications totaling $280.3 million, up 17% from 2009. The average application was for $173,144, and applicants reported an average income of $104,379. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Philadelphia, PA (1,441), Allentown-Bethlehem-Easton, PA-NJ (54) and Reading, PA (19) (applications in parentheses).
| Mortgage Company & Address | Univest National Bank & Trust 10 W. Broad St, Po Box 64197 Souderton,, PA 18964 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,619 |
| Total Mortgage Loan Application Amount | $280,321,000 |
| Average Mortgage Loan Application Amount | $173,144 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $104,379 |
| Highest Applicant Income | $1,856,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Univest National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Pennsylvania | 765 | $ 114,461,000 | $ 149,622 | $ 95,000 |
| Bucks, Pennsylvania | 611 | $ 111,676,000 | $ 182,775 | $ 105,000 |
| Lehigh, Pennsylvania | 41 | $ 7,857,000 | $ 191,634 | $ 130,000 |
| Philadelphia, Pennsylvania | 28 | $ 4,683,000 | $ 167,250 | $ 80,000 |
| Chester, Pennsylvania | 23 | $ 4,536,000 | $ 197,217 | $ 100,000 |
| Berks, Pennsylvania | 19 | $ 2,429,000 | $ 127,842 | $ 87,000 |
| Cape May, New Jersey | 17 | $ 7,897,000 | $ 464,529 | $ 192,000 |
| Delaware, Pennsylvania | 14 | $ 4,261,000 | $ 304,357 | $ 185,000 |
| Hunterdon, New Jersey | 11 | $ 3,146,000 | $ 286,000 | $ 151,000 |
| Northampton, Pennsylvania | 10 | $ 1,682,000 | $ 168,200 | $ 55,000 |
| Burlington, New Jersey | 7 | $ 1,259,000 | $ 179,857 | $ 193,000 |
| Mercer, New Jersey | 7 | $ 979,000 | $ 139,857 | $ 96,000 |
| Monroe, Pennsylvania | 7 | $ 915,000 | $ 130,714 | $ 72,000 |
| Camden, New Jersey | 6 | $ 629,000 | $ 104,833 | $ 100,000 |
| New Castle, Delaware | 5 | $ 324,000 | $ 64,800 | $ 124,000 |
| Sussex, Delaware | 4 | $ 991,000 | $ 247,750 | $ 223,000 |
| Ocean, New Jersey | 4 | $ 1,487,000 | $ 371,750 | $ 368,000 |
| Dauphin, Pennsylvania | 4 | $ 587,000 | $ 146,750 | $ 93,000 |
| Pike, Pennsylvania | 4 | $ 475,000 | $ 118,750 | $ 164,000 |
| Carbon, Pennsylvania | 3 | $ 839,000 | $ 279,666 | $ 183,000 |
| Baltimore, Maryland | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Atlantic, New Jersey | 2 | $ 504,000 | $ 252,000 | $ 132,000 |
| Gloucester, New Jersey | 2 | $ 480,000 | $ 240,000 | $ 100,000 |
| Middlesex, New Jersey | 2 | $ 1,017,000 | $ 508,500 | $ 86,000 |
| Onslow, North Carolina | 2 | $ 1,611,000 | $ 805,500 | $ 603,000 |
| Bradford, Pennsylvania | 2 | $ 177,000 | $ 88,500 | $ 61,000 |
| Cumberland, Pennsylvania | 2 | $ 473,000 | $ 236,500 | $ 75,000 |
| Alachua, Florida | 1 | $ 204,000 | $ 204,000 | $ 25,000 |
| Monroe, Florida | 1 | $ 189,000 | $ 189,000 | $ 123,000 |
| Cecil, Maryland | 1 | $ 124,000 | $ 124,000 | $ 123,000 |
| Montgomery, Maryland | 1 | $ 1,033,000 | $ 1,033,000 | $ 277,000 |
| Worcester, Maryland | 1 | $ 218,000 | $ 218,000 | $ 146,000 |
| Monmouth, New Jersey | 1 | $ 179,000 | $ 179,000 | $ 313,000 |
| Morris, New Jersey | 1 | $ 199,000 | $ 199,000 | $ 79,000 |
| Adams, Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| Luzerne, Pennsylvania | 1 | $ 209,000 | $ 209,000 | $ 91,000 |
| Susquehanna, Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Tioga, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 135,000 |
| Wayne, Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 135,000 |
| Wyoming, Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 151,000 |
| Georgetown, South Carolina | 1 | $ 1,069,000 | $ 1,069,000 | $ 423,000 |
| Accomack, Virginia | 1 | $ 250,000 | $ 250,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Univest National Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,007 | $209,327,000 | $207,000 | $2,500,000 | $110,000 | $1,690,000 |
| Home Improvement | 356 | $15,606,000 | $43,000 | $295,000 | $83,000 | $1,320,000 |
| Home Purchase | 256 | $55,388,000 | $216,000 | $1,069,000 | $112,000 | $1,856,000 |
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 | 1,477 | $258,216,000 | $174,000 | $1,500,000 | $107,000 | $1,856,000 |
| Not Provided | 43 | $7,326,000 | $170,000 | $2,500,000 | $84,000 | $372,000 |
| Asian | 40 | $6,675,000 | $166,000 | $417,000 | $86,000 | $418,000 |
| Black or African American | 24 | $3,064,000 | $127,000 | $417,000 | $75,000 | $297,000 |
| Hispanic | 19 | $2,181,000 | $114,000 | $255,000 | $63,000 | $135,000 |
| Not applicable | 13 | $2,424,000 | $186,000 | $319,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $18,000 | $9,000 | $10,000 | $12,000 | $13,000 |
| American Indian or Alaskan Native | 1 | $417,000 | $417,000 | $417,000 | $175,000 | $175,000 |
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) | 1,557 | $266,698,000 | $171,000 | $2,500,000 | $106,000 | $1,856,000 |
| FHA-insured (Federal Housing Administration) | 58 | $12,774,000 | $220,000 | $412,000 | $70,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 4 | $849,000 | $212,000 | $254,000 | $79,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,209 | $210,423,000 | $174,000 | $1,069,000 | $109,000 | $1,856,000 |
| Application Denied By Financial Institution | 218 | $28,013,000 | $128,000 | $2,500,000 | $65,000 | $261,000 |
| Application Withdrawn By Applicant | 168 | $37,860,000 | $225,000 | $1,500,000 | $124,000 | $1,320,000 |
| File Closed For Incompleteness | 14 | $3,585,000 | $256,000 | $1,000,000 | $104,000 | $183,000 |
| Application Approved But Not Accepted | 10 | $440,000 | $44,000 | $100,000 | $98,000 | $173,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 90 | $11,340,000 | $126,000 | $2,500,000 | $55,000 | $148,000 |
| Credit History | 66 | $7,376,000 | $111,000 | $600,000 | $63,000 | $195,000 |
| Collateral | 37 | $5,523,000 | $149,000 | $417,000 | $91,000 | $215,000 |
| Other | 6 | $586,000 | $97,000 | $300,000 | $70,000 | $104,000 |
| Unverifiable Information | 6 | $198,000 | $33,000 | $95,000 | $80,000 | $261,000 |
| Employment History | 6 | $988,000 | $164,000 | $352,000 | $64,000 | $150,000 |
| Credit Application Incomplete | 5 | $1,408,000 | $281,000 | $750,000 | $71,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $594,000 | $297,000 | $330,000 | $54,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Univest National Bank & Trust's 2010 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 National Bank & Trust'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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