Univest Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
50th10.2% deniedPricingmedian rate spread over APOR, weight 30%
48th0.26 ptsProcesswithdrawn + incomplete share, weight 15%
33rd19.9%Closing coststotal loan costs ÷ loan amount, weight 10%
25th2.97% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,939 | 2,150 | 8.2% | 10.0% | 6.88% | $719M |
| 2024 | 2,757 | 1,982 | 7.3% | 9.1% | 7.13% | $516M |
| 2025 | 2,313 | 1,647 | 8.1% | 10.2% | 6.88% | $497M |
What Univest Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 804 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 482 investment properties.
Why Univest Bank and Trust denies applications
Primary reason reported for each of the 188 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Univest Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 270 | 137 | 29.0% |
| $50k – $100k | 805 | 587 | 8.6% |
| $100k – $150k | 408 | 294 | 9.5% |
| $150k – $250k | 343 | 250 | 7.0% |
| Over $250k | 306 | 227 | 5.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 139 | 116 | 5.7% |
| 25–34 | 442 | 338 | 7.1% |
| 35–44 | 564 | 401 | 11.6% |
| 45–54 | 389 | 253 | 13.8% |
| 55–64 | 348 | 221 | 12.5% |
| 65–74 | 204 | 141 | 10.7% |
| Over 74 | 87 | 53 | 15.6% |
Where Univest Bank and Trust lends
12 states and 102 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 2,141 | 1,531 | 8.1% | 6.88% | #49 |
| New Jersey | 104 | 66 | 8.7% | 7.00% | #261 |
| Maryland | 27 | 18 | 14.8% | 7.20% | #380 |
| Florida | 16 | 13 | 6.3% | 7.00% | #804 |
| Delaware | 7 | 4 | 14.3% | 7.13% | #282 |
| South Carolina | 7 | 6 | 0.0% | 6.75% | #597 |
Frequently asked questions
Univest Bank and Trust denied 10.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of mid-size mortgage lenders.
The most common reason Univest Bank and Trust gave in 2025 was "debt-to-income ratio", cited on 65.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Univest Bank and Trust originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 47% of its applications were for home purchases, 21% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 92% conventional, 7% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.