# Univest Bank and Trust Co.

> **Canonical URL:** https://saferate.com/lenders/univest-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Univest Bank and Trust Co. is a bank, headquartered in Souderton, PA, serving borrowers across 12 states, with 984 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LBK5BTNFKZJD14
- **Headquarters:** Souderton, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** DE, FL, GA, MD, NC, NJ, NY, OH, PA, SC, VA, WV
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.195%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,885
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 984
- **Dollar Volume:** $338 million
- **Applications Received:** 1,317
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $343,028
- **Average Borrower Income:** $145,964
- **Average Property Value:** $455,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 804 | +0.225% | $1,994 | Strong 😀 |
| FHA | 69/100 | 126 | +0.085% | $1,290 | Strong 😀 |
| VA | 61/100 | 24 | -0.524% | $810 | Strong 😀 |
| Jumbo | 69/100 | 28 | +0.334% | $1,681 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 752 loans, Score: 71/100 (Strong)
- Refinance: 52 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 125 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 22 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 925 | $313M | +0.187% | Strong 😀 |
| Refinance | 52/100 | 59 | $25M | +0.328% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 898 | 0.74% | 89/100 |
| NJ | 29 | 0.03% | 50/100 |
| DE | 21 | 0.15% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 206 | 84/100 |
| Pittsburgh, PA | PA | 158 | 77/100 |
| Philadelphia, PA | PA | 142 | 78/100 |
| Reading, PA | PA | 114 | 82/100 |
| Allentown | PA-NJ | 74 | 73/100 |
| Non |  | 74 | 46/100 |
| Harrisburg | PA | 66 | 73/100 |
| Lancaster, PA | PA | 41 | 66/100 |
| State College, PA | PA | 20 | 58/100 |
| Atlantic City | NJ | 12 | 44/100 |

## Where This Lender Ranks

Univest Bank and Trust Co. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Montgomery County for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Allentown for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Harrisburg for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Pennsylvania for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montgomery County for FHA Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Montgomery County for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Reading, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Reading, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Harrisburg for FHA Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Pennsylvania for FHA Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Philadelphia, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Reading, PA Banks
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks)
- 🏆 **#4** in Reading, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in State College, PA Banks
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks)
- 🏆 **#5** in Pittsburgh, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Allentown for FHA Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in State College, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Pittsburgh, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Philadelphia, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Reading, PA
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Univest Bank and Trust Co. offer?

Univest Bank and Trust Co. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Univest Bank and Trust Co. offer mortgages?

Univest Bank and Trust Co. offers mortgages in 12 states: DE, FL, GA, MD, NC, NJ, NY, OH, PA, SC, VA, WV.

### How competitive are Univest Bank and Trust Co.'s mortgage rates?

Univest Bank and Trust Co. has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.195% above market average.

### What type of lender is Univest Bank and Trust Co.?

Univest Bank and Trust Co. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Souderton, PA.

### What is Univest Bank and Trust Co.'s loan approval success rate?

Univest Bank and Trust Co. has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/univest-bank-and-trust

### How to Cite

> "Univest Bank and Trust Co. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/univest-bank-and-trust

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