Applications / Mortgage Analytics / Lenders / Pennsylvania / Univest Bank and Trust Company
Souderton, PA · State member bank · FRS · $8.4 billion assets · 1,647 loans in 2025
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1,647
loans originated, 2025
2,313
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Univest Bank and Trust Company is a southeastern Pennsylvania bank that made a higher share of its loans in low- and moderate-income areas than any similar lender, though its loan count fell 17% in 2025.
LMI (low- and moderate-income) areas took 25.9% of its loans, against 15.0% at similar lenders (state member banks making between half and twice as many loans), and LMI borrowers 40.3%, against 26.3%. Majority-minority areas took 21.6%, against 6.8%, higher than nine in ten peers. All three shares have risen since five years before.
Originations fell 17% to 1,647, while similar lenders grew 7% and the whole market 10%, a fall larger than at nearly all similar lenders. Its loan dollars fell far less, from $515.8 million to $496.8 million, as its typical loan rose to $225,000. Making fewer small loans is one possible reason; a choice to lend less in some markets is another.
FHA loans (insured by the Federal Housing Administration) were 6.9% of its loans, against 1.8% at peers. Its typical rate, 6.88%, matched peers', and its higher-priced share (a rate well above the average for similar loans), 1.0%, was close to their 1.2%. It turned down 2.9% of home-purchase applications, against 7.3%.
Its share in Lancaster rose 0.5 points to 2.8%, ranking 7 of 365 lenders. In Philadelphia-Camden-Wilmington, its home market since before 1990, it ranked 43 of 784.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Univest Bank and Trust Company took 2,313 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Home improvement 23.5% · Refinance 20.5% · Other 3.6%
Conventional 91.9% · FHA 6.9% · VA 1.2% · of 1,647 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 1,531 | 93.0% |
| New Jersey | 66 | 4.0% |
| Maryland | 18 | 1.1% |
| Florida | 13 | 0.8% |
| South Carolina | 6 | 0.4% |
| Delaware | 4 | 0.2% |
| North Carolina | 3 | 0.2% |
| New York | 2 | 0.1% |
| Georgia | 1 | 0.1% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 512 |
| Philadelphia | 338 |
| Lancaster | 263 |
| Reading | 149 |
| Allentown-Bethlehem-Easton | 90 |
| York-Hanover | 41 |
| Harrisburg-Carlisle | 32 |
| Pittsburgh | 30 |
| Camden | 21 |
| Lebanon | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LBK5BTNFKZJD14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 354310 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12333 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2354310 | 2011–2017 |
Established 1 April 1876. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Univest Bank and Trust Company's data.
Univest Bank and Trust Company's data
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Univest Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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