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Univest Bank and Trust Co.
Bank|Souderton, PA|Multi-Region
Loans Originated
984
Applications
1,317
Volume
$337 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.195%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,885
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Univest Bank and Trust Co. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 10 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$343,028
Average Borrower Income
$145,964
Average Property Value
$455,000
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 804 | 81.7% | +0.225% | $1,994 |
FHA Loans | Strong | Strong | Exceptional | Strong | 126 | 12.8% | +0.085% | $1,290 |
VA Loans | Strong | Strong | N/A | Strong | 24 | 2.4% | -0.524% | $810 |
Jumbo Loans | Sound | Strong | N/A | Sound | 28 | 2.8% | +0.334% | $1,681 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 925 | 94.0% | +0.187% | $1,835 |
Refinance | Sound | Sound | Acceptable | Sound | 59 | 6.0% | +0.328% | $2,675 |
Geographic Coverage
Metro Areas
9
States Served
12
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DEFLGAMDNCNJNYOHPASCVAWV
Top Metro Areas by Place Specialization Score
1
Montgomery County, PAMSA
Volume: 206Mix: 20.93%
Place Specialization
Exceptional
2
Reading, PA, PAMSA
Volume: 114Mix: 11.59%
Place Specialization
Exceptional
3
Philadelphia, PA, PAMSA
Volume: 142Mix: 14.43%
Place Specialization
Strong
4
Pittsburgh, PA, PAMSA
Volume: 158Mix: 16.06%
Place Specialization
Strong
5
Harrisburg, PAMSA
Volume: 66Mix: 6.71%
Place Specialization
Strong
6
Allentown, PA-NJMSA
Volume: 74Mix: 7.52%
Place Specialization
Strong
7
Lancaster, PA, PAMSA
Volume: 41Mix: 4.17%
Place Specialization
Strong
8
State College, PA, PAMSA
Volume: 20Mix: 2.03%
Place Specialization
Sound
9
Atlantic City, NJMSA
Volume: 12Mix: 1.22%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 898Mix: 91.26%
Place Specialization
Exceptional
2
NJState
Volume: 29Mix: 2.95%
Place Specialization
Sound
3
DEState
Volume: 21Mix: 2.13%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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