Univest Bank and Trust Co. mortgage approval rate & lending review
Univest Bank and Trust Co. decided 5,812 mortgage applications and funded 5,214 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Univest Bank and Trust Co. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Univest Bank and Trust Co. at a glance
Approval is 12.5 points above the 78.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,463 / 2,566 | 99% | $285K | 2,441 |
| Home improvement loans | 82% | 1,013 / 1,236 | 98% | $105K | 989 |
| Cash-out refinance | 98% | 111 / 113 | 96% | $245K | 106 |
| Refinance | 87% | 572 / 661 | 99% | $155K | 565 |
| Investment property purchase | 96% | 686 / 713 | 100% | $255K | 685 |
| Investment cash-out refinance | 97% | 29 / 30 | 97% | $185K | 28 |
| Investment refinance | 92% | 180 / 195 | 99% | $145K | 179 |
| Investment home improvement | 76% | 226 / 298 | 98% | $95K | 221 |
Univest Bank and Trust Co. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 91% | $245K | 5,378 | 4,811 |
| New Jersey | 92% | $355K | 240 | 219 |
| Delaware | 96% | $365K | 54 | 52 |
| Florida | 90% | $395K | 52 | 47 |
| South Carolina | 97% | $705K | 32 | 31 |
| Maryland | 96% | $225K | 27 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Univest Bank and Trust Co. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Home improvement loans | 83% | 484 | 387 |
| Philadelphia County, PA | Mortgage lenders | 93% | 415 | 377 |
| Berks County, PA | Mortgage lenders | 96% | 328 | 315 |
| Montgomery County, PA | Mortgage lenders | 96% | 295 | 277 |
| Bucks County, PA | Mortgage lenders | 98% | 249 | 238 |
| Lancaster County, PA | Investment property purchase | 99% | 206 | 203 |
| Montgomery County, PA | Refinance | 85% | 230 | 193 |
| Allegheny County, PA | Mortgage lenders | 100% | 177 | 177 |
| Montgomery County, PA | Home improvement loans | 80% | 225 | 176 |
| Lancaster County, PA | Mortgage lenders | 96% | 169 | 162 |
| Bucks County, PA | Home improvement loans | 81% | 182 | 144 |
| Chester County, PA | Mortgage lenders | 98% | 137 | 133 |
The county markets where Univest Bank and Trust Co. made the most loans. Each link opens that market with every lender ranked.
Questions about Univest Bank and Trust Co.
What is Univest Bank and Trust Co.'s mortgage approval rate?
Univest Bank and Trust Co. approved 90.8% of the 5,812 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.5 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Univest Bank and Trust Co. offers?
Borrowers accepted 99% of the loans Univest Bank and Trust Co. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Univest Bank and Trust Co. make?
The typical home purchase mortgage loan Univest Bank and Trust Co. made was $285K; across all loan types its typical loan ran from $95K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Univest Bank and Trust Co. lend?
Univest Bank and Trust Co. decided applications in 14 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Univest Bank and Trust Co. directly?
Yes. Univest Bank and Trust Co. is a bank or credit union with 51 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Univest Bank and Trust Co.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Univest Bank and Trust Co. treats applications, then get a rate quote from the lender.