Univest Bank and Trust in Pennsylvania vs the state
8.1%Denial rate-10.21 pts vs state
10.1%Decision denial rate-12.16 pts vs state
71.5%Origination rate+10.55 pts vs state
6.88%Median rate+0.25 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$95kMedian applicant income
1,531Loans originated
173Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,618 | 1,909 | 8.4% | 6.88% | #34 |
| 2024 | 2,541 | 1,840 | 7.4% | 7.00% | #40 |
| 2025 | 2,141 | 1,531 | 8.1% | 6.88% | #49 |
What Univest Bank and Trust lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Univest Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 493 | 323 | 43 | 8.7% |
| Montgomery County | 341 | 229 | 44 | 12.9% |
| Lancaster County | 330 | 263 | 22 | 6.7% |
| Bucks County | 276 | 194 | 24 | 8.7% |
| Berks County | 184 | 149 | 3 | 1.6% |
| Chester County | 121 | 89 | 8 | 6.6% |
| Lehigh County | 85 | 53 | 14 | 16.5% |
| York County | 52 | 41 | 3 | 5.8% |
| Allegheny County | 37 | 27 | 2 | 5.4% |
| Northampton County | 25 | 23 | 1 | 4.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 2,141 applications in 2025, of which 1,531 were originated and 173 denied.
8.1% of all applications, or 10.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Univest Bank and Trust originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Univest Bank and Trust's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology