Univest Bank And Trust Co. Mortgage Rates, Fees & Info

Souderton, PA

LEI: 549300LBK5BTNFKZJD14

Tax ID: 23-1171580

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Univest Bank And Trust Co. is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Univest Bank And Trust Co. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Lancaster, Allentown, Ocean City, and York among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Univest Bank And Trust Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Univest Bank And Trust Co. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.98% 4/18/24
    30 Year Conventional Purchase 6.44% 4/18/24
    30 Year Conventional Refi 6.41% 4/18/24
    30 Year Cash-out Refi 6.61% 4/18/24
    30 Year FHA Purchase 7.08% 4/18/24
    30 Year FHA Refi 6.69% 4/18/24
    30 Year VA Purchase 6.11% 4/18/24
    30 Year USDA Purchase 6.58% 4/18/24
    15 Year Conventional Purchase 5.93% 4/18/24
    15 Year Conventional Refi 6.22% 4/18/24
    15 Year Cash-out Refi 6.22% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Univest Bank And Trust Co. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Univest Bank And Trust Co.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,163

    Origination Dollar Volume (All Markets)

    $516,395,000

    Employee count

    768

    Awards

    Univest Bank and Trust Co. FHA Loans silver Univest Bank and Trust Co. FHA Loans gold Univest Bank and Trust Co. FHA Loans bronze
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,533 $333,935,000 $217,831 $4,568 4.57%
    LANCASTER, PA (FHA|USDA|VA) 317 $66,675,000 $210,331 $4,305 4.80%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 105 $24,305,000 $231,476 $5,312 4.28%
    OCEAN CITY, NJ (FHA|USDA|VA) 30 $23,620,000 $787,333 $5,966 4.67%
    YORK-HANOVER, PA (FHA|USDA|VA) 22 $15,710,000 $714,091 $4,262 4.20%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 18 $12,850,000 $713,889 $5,433 4.26%
    READING, PA (FHA|USDA|VA) 38 $7,140,000 $187,895 $4,772 4.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 15 $5,225,000 $348,333 $5,125 4.14%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 12 $4,770,000 $397,500 $4,314 4.18%
    SALISBURY, MD-DE (FHA|USDA|VA) 10 $3,960,000 $396,000 $4,529 4.00%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $3,080,000 $385,000 $3,789 4.34%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $2,095,000 $419,000 $3,736 4.05%
    LEBANON, PA (FHA|USDA|VA) 7 $1,735,000 $247,857 $4,373 4.53%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $5,873 3.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,110,000 $555,000 $12,983 4.19%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,050,000 $175,000 $4,534 4.23%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $805,000 $805,000 $3,639 4.38%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $715,000 $715,000 $0 3.88%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $510,000 $255,000 $3,134 3.88%
    KINGSTON, NY (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $505,000 $168,333 $3,131 4.13%
    Easton, MD (FHA|USDA|VA) 1 $485,000 $485,000 $3,985 3.88%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $480,000 $240,000 $4,218 3.63%
    Outside of Metro Areas 1 $345,000 $345,000 $4,175 4.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,548 4.38%
    Brevard, NC (FHA|USDA|VA) 1 $315,000 $315,000 $5,137 3.88%
    Indiana, PA (FHA|USDA|VA) 5 $285,000 $57,000 $5,754 5.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $275,000 $275,000 $7,236 3.88%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $255,000 $255,000 $2,839 4.00%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $240,000 $120,000 $3,149 3.81%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $205,000 $205,000 $2,571 3.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,519 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,740 4.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $160,000 $80,000 $3,833 4.13%
    Meadville, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,901 4.25%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,771 3.63%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,191 4.63%
    DuBois, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,930 4.00%
    Univest Bank And Trust Co.'s top markets include Philadelphia, Lancaster, Allentown, Ocean City, and York among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Univest Bank and Trust Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    UTILITIES EMPLOYEES CREDIT UNION
    Similarity Rank: 42
    N C P D Federal Credit Union
    Similarity Rank: 56
    Schuyler Savings Bank
    Similarity Rank: 104
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Union County Savings Bank
    Similarity Rank: 150
    Prudential Bank
    Similarity Rank: 162
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 192
    Calvin B. Taylor Banking Company of Berlin, Maryland
    Similarity Rank: 204
    Blue Foundry Bank
    Similarity Rank: 212
    Diamond Credit Union
    Similarity Rank: 228

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,467 $431,735,000 $294,298 $4,402 4.26%
    HELOC 594 $61,160,000 $102,963 n/a 5.43%
    FHA 80 $17,500,000 $218,750 $7,579 3.92%
    VA 12 $3,930,000 $327,500 $6,772 3.81%
    USDA 10 $2,070,000 $207,000 $5,884 4.05%

    For 2019, Univest Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 1,467 originations. Their 2nd most popular type was HELOC, with 594 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 968 $265,140,000 $273,905 $5,203 4.47%
    Cash Out Refi 424 $108,590,000 $256,108 $4,259 3.95%
    Home Improvement 341 $33,415,000 $97,991 $1,324 5.10%
    Refi 308 $101,550,000 $329,708 $4,887 4.75%
    Other 122 $7,700,000 $63,115 $83 5.52%

    For 2019, Univest Bank And Trust Co.'s most frequently cited loan purpose was Home Purchase, with 968 originations. The 2nd most popular reason was Cash Out Refi, with 424 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 962 $282,720,000 $293,888 $5,124 4.22%
    Other 623 $76,895,000 $123,427 $1,743 5.41%
    5 Year 246 $66,100,000 $268,699 $156 4.89%
    15 Year 184 $41,290,000 $224,402 $3,720 3.66%
    10 Year 81 $22,625,000 $279,321 $727 3.53%
    20 Year 54 $13,160,000 $243,704 $4,062 3.91%
    1 Year 9 $5,185,000 $576,111 $0 6.06%
    3 Year 4 $8,420,000 $2,105,000 $0 5.09%

    For 2019, Univest Bank And Trust Co.'s most frequently cited loan duration was 30 Year, with 962 originations. The 2nd most popular length was Other, with 623 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 748 $197,460,000 $263,984
    $1k-2k 292 $62,390,000 $213,664
    $2k-3k 125 $42,745,000 $341,960
    $3k-4k 56 $18,400,000 $328,571
    $5k+ 28 $12,710,000 $453,929
    $4k-5k 19 $6,865,000 $361,316

    Univest Bank And Trust Co.'s average total fees were $5,124, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 748 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 789 $215,665,000 $273,340
    3-4% 659 $207,035,000 $314,165
    5-6% 555 $75,565,000 $136,153
    6-7% 78 $10,190,000 $130,641
    2.5-3% 73 $6,835,000 $93,630
    7-8% 8 $910,000 $113,750

    During 2019, Univest Bank And Trust Co.'s average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 4-5%, with 789 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 670 $184,210,000 $274,940 $5,042 4.23%
    $100k-200k 668 $96,350,000 $144,237 $3,990 4.60%
    $100,000 or less 559 $29,055,000 $51,977 $1,862 5.08%
    $400k-600k 166 $77,210,000 $465,120 $6,280 4.15%
    $600k-1MM 55 $40,965,000 $744,818 $6,786 4.44%
    $1MM+ 45 $88,605,000 $1,969,000 $10,570 4.32%

    2019 saw Univest Bank And Trust Co. place emphasis on $200k-400k loans with 670 originations, totaling $184,210,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 406 $61,670,000 $151,897 $3,981 4.45%
    $100k-150k 396 $85,320,000 $215,455 $4,961 4.51%
    $150k-250k 324 $75,670,000 $233,549 $5,157 4.74%
    $50k or less 323 $38,865,000 $120,325 $3,482 4.57%
    $75k-100k 291 $53,055,000 $182,320 $4,705 4.57%
    $250k+ 215 $97,655,000 $454,209 $6,046 4.44%

    Univest Bank And Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 406 originations. The second most popular income band? $100k-150k, with 396 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 365 $75,235,000 $206,123 $4,317 4.39%
    30-36% 365 $79,845,000 $218,753 $4,505 4.48%
    <20% 169 $31,795,000 $188,136 $4,155 4.61%
    44% 97 $21,335,000 $219,948 $5,163 4.74%
    42% 85 $14,495,000 $170,529 $4,536 4.79%
    41% 83 $18,125,000 $218,373 $5,158 4.46%
    38% 72 $14,520,000 $201,667 $4,571 4.49%
    37% 72 $12,590,000 $174,861 $4,138 4.64%
    36% 72 $12,900,000 $179,167 $4,426 4.54%
    43% 67 $10,925,000 $163,060 $4,452 4.75%
    40% 64 $12,060,000 $188,438 $4,509 4.57%
    39% 63 $11,845,000 $188,016 $4,314 4.59%
    45% 62 $15,330,000 $247,258 $4,991 4.31%
    49% 57 $14,555,000 $255,351 $5,092 4.41%
    46% 46 $13,280,000 $288,696 $5,317 4.34%
    47% 45 $11,715,000 $260,333 $5,553 4.37%
    48% 39 $9,355,000 $239,872 $4,355 4.54%
    50-60% 25 $10,655,000 $426,200 $7,008 4.29%
    >60% 3 $2,135,000 $711,667 $6,315 4.25%

    Univest Bank And Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 365 originations. The next most common DTI ratio? 30-36%, with 365 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,749 $377,625,000 $215,909 $4,734 4.57%
    Not applicable 154 $87,780,000 $570,000 $0 4.93%
    Asian 91 $20,055,000 $220,385 $4,325 4.47%
    Not provided 68 $18,390,000 $270,441 $5,786 4.53%
    Black 91 $10,735,000 $117,967 $2,750 3.93%
    American Indian 8 $1,420,000 $177,500 $4,164 4.33%
    Other Asian 1 $315,000 $315,000 $3,895 3.88%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    88.81%

    Univest Bank And Trust Co. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.99%

    Univest Bank And Trust Co. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,163 $516,395,000 $238,740

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 73 $70,055,000 $959,658
    Single Family (1-4 Units):Site-Built 2,090 $446,340,000 $213,560

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 291 $40,875,000 $140,464 $3,050 4.97%
    40-60% 268 $77,080,000 $287,612 $3,981 4.46%
    60-80% 761 $230,065,000 $302,319 $4,796 4.42%
    80-100% 477 $144,785,000 $303,532 $5,478 4.14%
    Over 100% 6 $4,100,000 $683,333 $11,567 4.10%
    Under 20% 359 $19,055,000 $53,078 $428 5.18%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 40.0%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Trouble during payment process 1 20.0%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Closing on a mortgage 1 20.0%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Trouble during payment process 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Univest Bank and Trust Co. 1 Fitzwatertown Road Willow Grove, PA 19090 Full Service B&M $42,416
    Univest Bank and Trust Co. 1 Heritage Drive Gordonville, PA 17529 Full Service B&M $61,491
    Univest Bank and Trust Co. 10 West Broad Street Souderton, PA 18964 Full Service B&M $687,106
    Univest Bank and Trust Co. 1001 Valley Forge Road Lansdale, PA 19446 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 1041 York Road Warminster, PA 18974 Full Service B&M $60,676
    Univest Bank and Trust Co. 1135 Georgetown Road Christiana, PA 17509 Full Service B&M $5,693
    Univest Bank and Trust Co. 120 Forty Foot Rd Hatfield, PA 19440 Full Service B&M $222,473
    Univest Bank and Trust Co. 1290 Allentown Road Kulpsville, PA 19443 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 15 Swamp Road Newtown, PA 18940 Full Service B&M $47,679
    Univest Bank and Trust Co. 1536 S Broad Street Philadelphia, PA 19146 Full Service B&M $85,713
    Univest Bank and Trust Co. 16 Harbor Place Souderton, PA 18964 Full Service Cyber Office $202,074
    Univest Bank and Trust Co. 1642 Fairmount Avenue Philadelphia, PA 19130 Full Service B&M $15,744
    Univest Bank and Trust Co. 191 West State Street Doylestown, PA 18901 Full Service B&M $80,118
    Univest Bank and Trust Co. 195 East Butler Avenue Chalfont, PA 18914 Full Service B&M $50,969
    Univest Bank and Trust Co. 1950 John Fries Highway Milford Square, PA 18935 Full Service B&M $122,715
    Univest Bank and Trust Co. 200 N. High Street West Chester, PA 19380 Full Service B&M $39,994
    Univest Bank and Trust Co. 2000 Market St Ste 700 Philadelphia, PA 19103 Limited, Administrative $0
    Univest Bank and Trust Co. 2100 Route 152 Sellersville, PA 18960 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 216 Hartman Bridge Road Ronks, PA 17572 Full Service B&M $13,955
    Univest Bank and Trust Co. 23 W Highland Avenue Philadelphia, PA 19118 Full Service B&M $84,826
    Univest Bank and Trust Co. 235 North Washington Street Telford, PA 18969 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 2645 Street Road Bensalem, PA 19020 Full Service B&M $75,602
    Univest Bank and Trust Co. 2849 Big Road Frederick, PA 19435 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 2870 Shelly Road Harleysville, PA 19438 Full Service B&M $98,483
    Univest Bank and Trust Co. 321 Main Street East Greenville, PA 18041 Full Service B&M $78,552
    Univest Bank and Trust Co. 3601 Market Street Philadelphia, PA 19104 Full Service B&M $32,334
    Univest Bank and Trust Co. 380 Water Loop Drive Collegeville, PA 19426 Full Service B&M $71,195
    Univest Bank and Trust Co. 401 Rhawn Street Philadelphia, PA 19111 Full Service B&M $166,145
    Univest Bank and Trust Co. 415 Main Street Schwenksville, PA 19473 Full Service B&M $51,075
    Univest Bank and Trust Co. 4250 Oregon Pike Brownstown, PA 17508 Full Service B&M $103,980
    Univest Bank and Trust Co. 4258 Township Line Road Schwenksville, PA 19473 Full Service B&M $86,907
    Univest Bank and Trust Co. 4390 Davisville Road Hatboro, PA 19040 Full Service B&M $305,528
    Univest Bank and Trust Co. 500 Harleysville Pike Franconia, PA 18924 Full Service B&M $208,969
    Univest Bank and Trust Co. 5089 Hamilton Blvd Allentown, PA 18106 Full Service B&M $30,457
    Univest Bank and Trust Co. 545 Constitution Avenue Perkasie, PA 18944 Full Service B&M $97,240
    Univest Bank and Trust Co. 574 Main Street Bethlehem, PA 18018 Full Service B&M $10,183
    Univest Bank and Trust Co. 5829 Easton Road Plumsteadville, PA 18949 Full Service B&M $90,725
    Univest Bank and Trust Co. 5871 York Road Lahaska, PA 18931 Full Service B&M $93,146
    Univest Bank and Trust Co. 694 Dekalb Pike Blue Bell, PA 19422 Full Service B&M $106,105
    Univest Bank and Trust Co. 7226 Germantown Avenue Philadelphia, PA 19119 Full Service B&M $87,547
    Univest Bank and Trust Co. 728 Norristown Road Spring House, PA 19477 Limited, Mobile/Seasonal Office $0
    Univest Bank and Trust Co. 790 Pennsylvania 113 Souderton, PA 18964 Full Service B&M $185,853
    Univest Bank and Trust Co. 90 Willow Valley Lakes Drive Willow Street, PA 17584 Full Service B&M $79,128
    Univest Bank and Trust Co. 921 West Avenue Ocean City, NJ 8226 Full Service B&M $43,464
    Univest Bank and Trust Co. 940 Second Street Pike Richboro, PA 18954 Full Service B&M $98,132
    Univest Bank and Trust Co. 986 Bethlehem Pike Montgomeryville, PA 18936 Full Service B&M $91,168
    Univest Bank and Trust Co. 990 Bethlehem Pike Colmar, PA 18915 Full Service B&M $83,709

    For 2019, Univest Bank And Trust Co. had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $214,061
    Net interest income $174,243
    Total noninterest income $64,958
    Gross Fiduciary activities income $7,826
    Service charges on deposit accounts $5,946
    Trading account gains and fees $0
    Additional Noninterest Income $51,186
    Pre-tax net operating income $86,131
    Securities gains (or losses, -) $54
    Income before extraordinary items $70,491
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $70,491
    Minority interest net income $0
    Net income $70,491
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $70,446

    Univest Bank And Trust Co.'s gross interest income from loans was $214,061,000.
    Univest Bank And Trust Co.'s net interest income from loans was $174,243,000.
    Univest Bank And Trust Co.'s fee based income from loans was $5,946,000.
    Univest Bank And Trust Co.'s net income from loans was $70,491,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $39,818
    Provision for credit losses $8,518
    Total noninterest expense $144,552
    Salaries and employee benefits $72,220
    Premises and equipment expense $13,660
    Additional noninterest expense $58,672
    Applicable income taxes $15,694
    Net charge-offs $2,551
    Cash dividends $29,681

    Univest Bank And Trust Co.'s interest expense for loans was $39,818,000.
    Univest Bank And Trust Co.'s payroll and benefits expense were $72,220,000.
    Univest Bank And Trust Co.'s property, plant and equipment expenses $13,660,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,442,748
    Deposits held in domestic offices $4,442,748
    Deposits by Individuals, partnerships, and corporations $3,832,007
    Deposits by U.S. Government $21
    Deposits by States and political subdivisions in the U.S. $610,006
    Deposits by Commercial banks and other depository institutions in U.S. $714
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $358,207
    Demand deposits $292,137
    Nontransaction accounts $4,084,541
    Money market deposit accounts (MMDAs) $2,775,884
    Other savings deposits (excluding MMDAs) $702,647
    Total time deposits $606,010
    Total time and savings deposits $4,150,611
    Noninterest-bearing deposits $202,477
    Interest-bearing deposits $4,240,271
    Retail deposits $4,131,936
    IRAs and Keogh plan accounts $111,458
    Brokered deposits $167,765
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,361,387
    Cash & Balances due from depository institutions $124,951
    Interest-bearing balances $74,557
    Total securities $440,595
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,357,009
    Loan and leases loss allowance $35,331
    Trading account assets $0
    Bank premises and fixed assets $85,830
    Other real estate owned $516
    Goodwill and other intangibles $182,843
    All other assets $169,643

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,361,387
    Total Liabilities $4,676,000
    Total deposits $4,442,748
    Interest-bearing deposits $4,240,271
    Deposits held in domestic offices $4,442,748
    % insured (estimated) $49
    Federal funds purchased and repurchase agreements $28,778
    Trading liabilities $0
    Other borrowed funds $177,617
    Subordinated debt $0
    All other liabilities $26,857

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,357,009
    Loan and leases loss allowance $35,331
    Total loans and leases (domestic) $4,392,340
    All real estate loans $3,108,479
    Real estate loans in domestic offices $3,108,479
    Construction and development loans $202,404
    Residential 1-4 family construction $68,074
    Other construction, all land development and other land $134,330
    Loans secured by nonfarm nonresidential properties $1,447,513
    Nonfarm nonresidential secured by owner-occupied properties $557,109
    Commercial real estate & other non-farm, non-residential $890,404
    Multifamily residential real estate $150,905
    1-4 family residential loans $985,226
    Farmland loans $322,431
    Loans held in foreign offices $0
    Farm loans $17,695
    Commercial and industrial loans $823,827
    To non-U.S. addressees $0
    Loans to individuals $29,813
    Credit card loans $0
    Related Plans $4,977
    Consumer Auto Loans $138
    Other loans to individuals $24,698
    All other loans & leases $412,526
    Loans to foreign governments and official institutions $0
    Other loans $1,190
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $10,164
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $54
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Univest Bank and Trust Co. had $4,357,009,000 of loans outstanding in 2019. $3,108,479,000 of loans were in real estate loans. $202,404,000 of loans were in development loans. $150,905,000 of loans were in multifamily mortgage loans. $985,226,000 of loans were in 1-4 family mortgage loans. $17,695,000 of loans were in farm loans. $0 of loans were in credit card loans. $138,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 918 $260,563 $283,838
    Nonfarm, nonresidential loans - <$100k 114 $4,843 $42,482
    Nonfarm, nonresidential loans - $100-250k 247 $32,417 $131,243
    Nonfarm, nonresidential loans - $250k-1MM 557 $223,303 $400,903
    Commercial & Industrial, US addressed loans - <$1MM 1,963 $158,749 $80,871
    Commercial & Industrial, US addressed loans - <$100k 1,130 $24,327 $21,528
    Commercial & Industrial, US addressed loans - $100-250k 378 $29,710 $78,598
    Commercial & Industrial, US addressed loans - $250k-1MM 455 $104,712 $230,136
    Farmland loans - <$1MM 627 $112,220 $178,979
    Farmland loans - <$100k 170 $6,559 $38,582
    Farmland loans - $100-250k 214 $30,093 $140,621
    Farmland loans - $250k-1MM 243 $75,568 $310,979
    Agriculture operations loans - <$1MM 393 $17,424 $44,336
    Agriculture operations loans - <$100k 328 $8,889 $27,101
    Agriculture operations loans - $100-250k 53 $5,690 $107,358
    Agriculture operations loans - $250k-1MM 12 $2,845 $237,083