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records Univest National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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