Univest Bank and Trust in Maryland vs the state
14.8%Denial rate-3.99 pts vs state
18.2%Decision denial rate-5.95 pts vs state
66.7%Origination rate+10.96 pts vs state
7.20%Median rate+0.58 pts vs state
0.39Rate spread (pts)+0.14 pts vs state
$143kMedian applicant income
18Loans originated
4Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 15 | 0.0% | 6.75% | #419 |
| 2024 | 17 | 10 | 0.0% | 7.13% | #426 |
| 2025 | 27 | 18 | 14.8% | 7.20% | #380 |
What Univest Bank and Trust lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Univest Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 9 | 4 | 2 | 22.2% |
| Cecil County | 4 | 4 | 0 | 0.0% |
| Baltimore city | 4 | 4 | 0 | 0.0% |
| Worcester County | 3 | 1 | 1 | 33.3% |
| Kent County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 0 | 0.0% |
| Howard County | 1 | 1 | 0 | 0.0% |
| Frederick County | 1 | 1 | 0 | 0.0% |
| Anne Arundel County | 1 | 1 | 0 | 0.0% |
| Harford County | 1 | 0 | 1 | 100.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 27 applications in 2025, of which 18 were originated and 4 denied.
14.8% of all applications, or 18.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Univest Bank and Trust originated in Maryland in 2025 was 7.20%, against a statewide median of 6.63%.
About this data. Figures are Univest Bank and Trust's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology