Univest National Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Univest National Bank & Trust of Souderton,, PA reported 1,388 mortgage applications totaling $218.0 million, up 107% from 2008. The average application was for $157,052, and applicants reported an average income of $108,500. 77% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Philadelphia, PA (1,287), Allentown-Bethlehem-Easton, PA-NJ (36) and Ocean City, NJ (14) (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 | 1,388 |
| Total Mortgage Loan Application Amount | $217,989,000 |
| Average Mortgage Loan Application Amount | $157,052 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $108,500 |
| Highest Applicant Income | $2,100,000 |
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records Univest National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 711 | $ 101,663,000 | $ 142,985 | $ 100,000 |
| Bucks, Pennsylvania | 542 | $ 87,886,000 | $ 162,151 | $ 101,000 |
| Lehigh, Pennsylvania | 23 | $ 4,199,000 | $ 182,565 | $ 117,000 |
| Philadelphia, Pennsylvania | 18 | $ 2,570,000 | $ 142,777 | $ 102,000 |
| Cape May, New Jersey | 14 | $ 4,665,000 | $ 333,214 | $ 489,000 |
| Berks, Pennsylvania | 14 | $ 2,396,000 | $ 171,142 | $ 85,000 |
| Chester, Pennsylvania | 13 | $ 2,389,000 | $ 183,769 | $ 81,000 |
| Northampton, Pennsylvania | 8 | $ 1,872,000 | $ 234,000 | $ 393,000 |
| Carbon, Pennsylvania | 5 | $ 1,076,000 | $ 215,200 | $ 125,000 |
| Hunterdon, New Jersey | 4 | $ 318,000 | $ 79,500 | $ 115,000 |
| Worcester, Maryland | 3 | $ 846,000 | $ 282,000 | $ 480,000 |
| Delaware, Pennsylvania | 3 | $ 626,000 | $ 208,666 | $ 86,000 |
| Tioga, Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 34,000 |
| Sussex, Delaware | 2 | $ 766,000 | $ 383,000 | $ 448,000 |
| Atlantic, New Jersey | 2 | $ 713,000 | $ 356,500 | $ 326,000 |
| Ocean, New Jersey | 2 | $ 455,000 | $ 227,500 | $ 144,000 |
| Bradford, Pennsylvania | 2 | $ 155,000 | $ 77,500 | $ 107,000 |
| Monroe, Pennsylvania | 2 | $ 401,000 | $ 200,500 | $ 65,000 |
| Beaufort, South Carolina | 2 | $ 962,000 | $ 481,000 | $ 394,000 |
| New Castle, Delaware | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Martin, Florida | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Calvert, Maryland | 1 | $ 205,000 | $ 205,000 | $ 265,000 |
| Burlington, New Jersey | 1 | $ 4,000 | $ 4,000 | $ 202,000 |
| Hudson, New Jersey | 1 | $ 180,000 | $ 180,000 | $ 95,000 |
| Bronx, New York | 1 | $ 500,000 | $ 500,000 | $ 80,000 |
| Fairfield, Ohio | 1 | $ 200,000 | $ 200,000 | $ 165,000 |
| Lane, Oregon | 1 | $ 250,000 | $ 250,000 | $ 166,000 |
| Allegheny, Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 68,000 |
| Franklin, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 113,000 |
| Lackawanna, Pennsylvania | 1 | $ 197,000 | $ 197,000 | $ 102,000 |
| Lancaster, Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 24,000 |
| Pike, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Schuylkill, Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 130,000 |
| Pickens, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 518,000 |
Mortgage Loan Application Detail Totals for Univest National Bank & Trust in 2009
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 | 910 | $173,394,000 | $190,000 | $900,000 | $116,000 | $2,100,000 |
| Home Improvement | 337 | $16,300,000 | $48,000 | $800,000 | $78,000 | $603,000 |
| Home Purchase | 141 | $28,295,000 | $200,000 | $1,000,000 | $133,000 | $1,481,000 |
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 | 1,279 | $200,048,000 | $156,000 | $1,000,000 | $111,000 | $2,100,000 |
| Not Provided | 55 | $10,151,000 | $184,000 | $471,000 | $73,000 | $180,000 |
| Asian | 32 | $4,588,000 | $143,000 | $362,000 | $84,000 | $147,000 |
| Hispanic | 10 | $1,045,000 | $104,000 | $273,000 | $65,000 | $124,000 |
| Black or African American | 9 | $1,580,000 | $175,000 | $500,000 | $107,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $402,000 | $201,000 | $230,000 | $123,000 | $212,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $76,000 | $76,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,379 | $216,170,000 | $156,000 | $1,000,000 | $109,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,819,000 | $202,000 | $374,000 | $64,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,068 | $160,600,000 | $150,000 | $1,000,000 | $114,000 | $1,481,000 |
| Application Denied By Financial Institution | 163 | $24,614,000 | $151,000 | $860,000 | $71,000 | $603,000 |
| Application Withdrawn By Applicant | 144 | $31,356,000 | $217,000 | $900,000 | $113,000 | $2,100,000 |
| Application Approved But Not Accepted | 11 | $1,317,000 | $119,000 | $417,000 | $91,000 | $245,000 |
| File Closed For Incompleteness | 2 | $102,000 | $51,000 | $60,000 | $47,000 | $59,000 |
| 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 | 72 | $12,798,000 | $177,000 | $860,000 | $64,000 | $221,000 |
| Credit History | 58 | $6,104,000 | $105,000 | $500,000 | $66,000 | $300,000 |
| Collateral | 21 | $3,497,000 | $166,000 | $480,000 | $110,000 | $603,000 |
| Other | 6 | $556,000 | $92,000 | $325,000 | $80,000 | $126,000 |
| Credit Application Incomplete | 2 | $428,000 | $214,000 | $248,000 | $91,000 | $95,000 |
| Employment History | 2 | $321,000 | $160,000 | $165,000 | $39,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $110,000 | $110,000 | $110,000 | $39,000 | $39,000 |
| Unverifiable Information | 1 | $800,000 | $800,000 | $800,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Univest National Bank & Trust's 2009 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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