Univest Bank and Trust in New Jersey vs the state
8.7%Denial rate-9.04 pts vs state
12.0%Decision denial rate-11.05 pts vs state
63.5%Origination rate+7.78 pts vs state
7.00%Median rate+0.25 pts vs state
0.28Rate spread (pts)-0.01 pts vs state
$208kMedian applicant income
66Loans originated
9Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 186 | 136 | 9.1% | 7.06% | #188 |
| 2024 | 111 | 69 | 6.3% | 7.50% | #244 |
| 2025 | 104 | 66 | 8.7% | 7.00% | #261 |
What Univest Bank and Trust lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Univest Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 16 | 9 | 2 | 12.5% |
| Cape May County | 15 | 10 | 3 | 20.0% |
| Atlantic County | 12 | 6 | 2 | 16.7% |
| Burlington County | 10 | 7 | 0 | 0.0% |
| Monmouth County | 7 | 3 | 0 | 0.0% |
| Essex County | 7 | 5 | 0 | 0.0% |
| Mercer County | 6 | 4 | 0 | 0.0% |
| Gloucester County | 6 | 5 | 0 | 0.0% |
| Ocean County | 6 | 4 | 0 | 0.0% |
| Hunterdon County | 6 | 3 | 1 | 16.7% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 104 applications in 2025, of which 66 were originated and 9 denied.
8.7% of all applications, or 12.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Univest Bank and Trust originated in New Jersey in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Univest Bank and Trust's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology