Univest Bank and Trust Co.
Univest Bank and Trust Co. received 2,313 applications in 2025 and made 1,647 mortgages, in 102 counties across 12 states. The median rate its borrowers got was 6.875% on a median loan of $225,000. Of 1,852 decisions, 188 were denials — 10.2%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300LBK5BTNFKZJD14 |
|---|---|
| Applications received | 2,313 |
| Mortgages made | 1,647 |
| Denied | 188 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 461 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 points |
| FDIC-insured bank | Yes: Univest Bank and Trust Co., 51 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 863 | 6.732% | $285,000 | 3.2% |
| Refinancing | 300 | 7.250% | $205,000 | 13.3% |
| Cash-out refinancing | 38 | 6.875% | $340,000 | 2.6% |
| Other purposes | 446 | 7.500% | $85,000 | 19.8% |
Where Univest Bank and Trust Co. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 323 | 6.000% | 11.6% |
| Lancaster County, PA | 263 | 7.000% | 7.7% |
| Montgomery County, PA | 229 | 7.500% | 15.8% |
| Bucks County, PA | 194 | 7.250% | 10.8% |
| Berks County, PA | 149 | 6.750% | 2.0% |
| Chester County, PA | 89 | 6.875% | 8.2% |
| Lehigh County, PA | 53 | 7.000% | 20.9% |
| York County, PA | 41 | 6.850% | 6.8% |
| Allegheny County, PA | 27 | 6.990% | 6.9% |
| Northampton County, PA | 23 | 6.750% | 4.2% |
| Lebanon County, PA | 20 | 6.888% | 4.8% |
| Delaware County, PA | 15 | 6.625% | 0.0% |
| Cumberland County, PA | 14 | 6.788% | 12.5% |
| Centre County, PA | 12 | 6.750% | 0.0% |
| Carbon County, PA | 11 | 6.625% | 21.4% |
| Dauphin County, PA | 11 | 6.750% | 8.3% |
| Cape May County, NJ | 10 | 7.500% | 23.1% |
| Schuylkill County, PA | 10 | 6.938% | 0.0% |
| Camden County, NJ | 9 | Under 10 loans | 18.2% |
| Monroe County, PA | 8 | Under 10 loans | 11.1% |
| Burlington County, NJ | 7 | Under 10 loans | 0.0% |
| Perry County, PA | 7 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 6 | Under 10 loans | 25.0% |
| Essex County, NJ | 5 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 5 | Under 10 loans | 0.0% |
| Baltimore County, MD | 4 | Under 10 loans | 33.3% |
| Cecil County, MD | 4 | Under 10 loans | 0.0% |
| Baltimore city, MD | 4 | Under 10 loans | 0.0% |
| Mercer County, NJ | 4 | Under 10 loans | 0.0% |
| Ocean County, NJ | 4 | Under 10 loans | 0.0% |
| Sarasota County, FL | 3 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 3 | Under 10 loans | 25.0% |
| Monmouth County, NJ | 3 | Under 10 loans | 0.0% |
| Warren County, NJ | 3 | Under 10 loans | 0.0% |
| Columbia County, PA | 3 | Under 10 loans | 0.0% |
| Luzerne County, PA | 3 | Under 10 loans | 0.0% |
| New Castle County, DE | 2 | Under 10 loans | 33.3% |
| Sussex County, DE | 2 | Under 10 loans | 0.0% |
| Hudson County, NJ | 2 | Under 10 loans | 0.0% |
| Union County, NJ | 2 | Under 10 loans | 33.3% |
| Adams County, PA | 2 | Under 10 loans | 0.0% |
| Bradford County, PA | 2 | Under 10 loans | 0.0% |
| Lycoming County, PA | 2 | Under 10 loans | 0.0% |
| Mercer County, PA | 2 | Under 10 loans | 0.0% |
| Northumberland County, PA | 2 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.