We analyzed every closed loan from Univest Bank and Trust Co. — 984 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 9 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Univest Bank and Trust Co. performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+19.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 804 | 81.7% | +0.225%Above | $1,994Fees | ||||
FHA Loans | 126 | 12.8% | +0.085%Above | $1,290Fees | ||||
VA Loans | — | 24 | 2.4% | -0.524%Below | $810Fees | |||
Jumbo Loans | — | 28 | 2.8% | +0.334%Above | $1,681Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume804
Mix81.7%
Spread
+0.225%Above
Fees
$1,994Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume126
Mix12.8%
Spread
+0.085%Above
Fees
$1,290Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume24
Mix2.4%
Spread
-0.524%Below
Fees
$810Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume28
Mix2.8%
Spread
+0.334%Above
Fees
$1,681Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 925 | 94.0% | +0.187%Above | $1,835Fees | ||||
Refinance | 59 | 6.0% | +0.328%Above | $2,675Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume925
Mix94.0%
Spread
+0.187%Above
Fees
$1,835Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume59
Mix6.0%
Spread
+0.328%Above
Fees
$2,675Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
984
Applications
1,317
Volume
$337 million
Pricing & Closing
Avg Rate Spread
+0.195%
vs. market APOR
Avg Net Fees
$1,885
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$343,028
Avg Borrower Income
$145,964
Avg Property Value
$455,000
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Northeast3
NJNYPA
Midwest1
OH
South8
DEFLGAMDNCSCVAWV
Top Metro Areas by Place Specialization Score
Volume 206Mix 20.93% of portfolio
84/100
Exceptional
Volume 114Mix 11.59% of portfolio
82/100
Exceptional
Volume 142Mix 14.43% of portfolio
78/100
Strong
Volume 158Mix 16.06% of portfolio
77/100
Strong
Volume 66Mix 6.71% of portfolio
73/100
Strong
Volume 74Mix 7.52% of portfolio
73/100
Strong
Volume 41Mix 4.17% of portfolio
66/100
Strong
Volume 20Mix 2.03% of portfolio
58/100
Sound
Volume 12Mix 1.22% of portfolio
44/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 898Mix 91.26% of portfolio
89/100
Exceptional2
New JerseyState
Volume 29Mix 2.95% of portfolio
50/100
Sound3
DelawareState
Volume 21Mix 2.13% of portfolio
49/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.