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™
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    • 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 Cash Out Refi, Home Purchase, and 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 New York among others. We have data for 51 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Univest Bank And Trust Co. has an above 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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

    3,318

    Origination Dollar Volume (All Markets)

    $891,700,000

    Employee count

    813

    Awards

    Univest Bank and Trust Co. FHA Loans bronze Univest Bank and Trust Co. FHA Loans silver
    Show all (2) 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) 2,347 $590,345,000 $251,532 $4,439 3.33%
    LANCASTER, PA (FHA|USDA|VA) 364 $86,390,000 $237,335 $4,243 3.67%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 185 $40,105,000 $216,784 $4,460 3.28%
    OCEAN CITY, NJ (FHA|USDA|VA) 66 $37,270,000 $564,697 $4,775 3.29%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 73 $30,995,000 $424,589 $4,718 3.30%
    YORK-HANOVER, PA (FHA|USDA|VA) 21 $24,055,000 $1,145,476 $5,346 3.41%
    READING, PA (FHA|USDA|VA) 68 $13,780,000 $202,647 $4,808 3.18%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 35 $11,415,000 $326,143 $4,896 3.34%
    SALISBURY, MD-DE (FHA|USDA|VA) 24 $7,850,000 $327,083 $4,134 3.15%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $6,760,000 $845,000 $4,023 3.37%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $5,790,000 $2,895,000 $16,108 3.25%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 16 $3,730,000 $233,125 $3,949 2.99%
    Outside of Metro Areas 17 $2,895,000 $170,294 $3,636 3.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $2,465,000 $821,667 $6,488 2.96%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $2,415,000 $483,000 $4,349 3.00%
    LEBANON, PA (FHA|USDA|VA) 7 $2,285,000 $326,429 $3,026 3.84%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $2,090,000 $522,500 $5,807 3.36%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,930,000 $321,667 $3,223 3.48%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 10 $1,900,000 $190,000 $3,955 3.56%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,710,000 $427,500 $5,510 3.34%
    Huntingdon, PA (FHA|USDA|VA) 4 $1,460,000 $365,000 $5,013 3.52%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $1,115,000 $159,286 $4,865 3.30%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,718 3.47%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,015,000 $1,015,000 $3,703 3.50%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $960,000 $480,000 $0 3.80%
    DOVER, DE (FHA|USDA|VA) 2 $940,000 $470,000 $8,504 3.38%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $845,000 $281,667 $5,660 3.50%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $745,000 $745,000 $7,221 3.00%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $565,000 $565,000 $3,615 3.25%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $540,000 $270,000 $3,933 3.00%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $535,000 $535,000 $3,797 3.63%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $505,000 $505,000 $9,492 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,474 2.88%
    SAVANNAH, GA (FHA|USDA|VA) 2 $500,000 $250,000 $4,768 3.50%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $465,000 $465,000 $0 3.85%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $355,000 $355,000 $3,684 2.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $10,656 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $335,000 $335,000 $3,547 2.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $315,000 $315,000 $5,391 3.50%
    Selinsgrove, PA (FHA|USDA|VA) 1 $265,000 $265,000 $8,539 2.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $5,737 3.25%
    Pottsville, PA (FHA|USDA|VA) 3 $245,000 $81,667 $3,222 2.96%
    OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.63%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,595 3.38%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $220,000 $110,000 $3,582 3.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,526 3.63%
    Easton, MD (FHA|USDA|VA) 1 $205,000 $205,000 $2,936 2.88%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,230 2.88%
    Sayre, PA (FHA|USDA|VA) 1 $155,000 $155,000 $2,784 3.13%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.63%
    Univest Bank And Trust Co.'s top markets include Philadelphia, Lancaster, Allentown, Ocean City, and New York among others.

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

    The First National Bank of Long Island
    Similarity Rank: 134
    North Jersey Federal Credit Union
    Similarity Rank: 247
    BELLCO
    Similarity Rank: 354
    N C P D Federal Credit Union
    Similarity Rank: 482
    MOUNTAIN MORTGAGE CORP.
    Similarity Rank: 538
    EVERENCE FEDERAL CREDIT UNION
    Similarity Rank: 544
    First Citizens Community Bank
    Similarity Rank: 589
    BHCU
    Similarity Rank: 625
    Prudential Bank
    Similarity Rank: 640
    Hebron Savings Bank
    Similarity Rank: 680

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,606 $802,670,000 $308,008 $4,326 3.31%
    HELOC 613 $66,015,000 $107,692 n/a 3.62%
    FHA 69 $15,205,000 $220,362 $7,642 3.12%
    VA 25 $6,815,000 $272,600 $7,234 3.23%
    USDA 5 $995,000 $199,000 $5,216 3.08%

    For 2020, Univest Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 2,606 originations. Their 2nd most popular type was HELOC, with 613 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,211 $317,715,000 $262,358 $4,215 3.14%
    Home Purchase 1,154 $333,310,000 $288,830 $5,115 3.44%
    Refi 529 $205,185,000 $387,873 $4,926 3.52%
    Home Improvement 323 $26,625,000 $82,430 $4 3.52%
    Other 101 $8,865,000 $87,772 $94 3.72%

    For 2020, Univest Bank And Trust Co.'s most frequently cited loan purpose was Cash Out Refi, with 1,211 originations. The 2nd most popular reason was Home Purchase, with 1,154 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,582 $518,740,000 $327,901 $5,009 3.37%
    Other 662 $88,220,000 $133,263 $3,533 3.62%
    15 Year 555 $125,465,000 $226,063 $3,743 2.82%
    10 Year 230 $74,190,000 $322,565 $1,242 3.47%
    20 Year 158 $42,690,000 $270,190 $4,225 3.22%
    5 Year 125 $37,885,000 $303,080 $100 4.04%
    1 Year 5 $2,115,000 $423,000 $0 5.00%
    3 Year 1 $2,395,000 $2,395,000 $0 4.25%

    For 2020, Univest Bank And Trust Co.'s most frequently cited loan duration was 30 Year, with 1,582 originations. The 2nd most popular length was Other, with 662 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,508 $446,960,000 $296,393
    $1k-2k 418 $102,670,000 $245,622
    $2k-3k 152 $56,900,000 $374,342
    $3k-4k 62 $21,910,000 $353,387
    $5k+ 38 $17,230,000 $453,421
    $4k-5k 37 $13,865,000 $374,730

    Univest Bank And Trust Co.'s average total fees were $5,009, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,508 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,856 $522,190,000 $281,352
    2.5-3% 996 $245,210,000 $246,195
    4-5% 287 $65,345,000 $227,683
    <2.5% 134 $53,870,000 $402,015
    5-6% 40 $4,560,000 $114,000
    6-7% 5 $525,000 $105,000

    During 2020, Univest Bank And Trust Co.'s average interest rate for loans was 3.37%, while their most frequently originated rate bucket for loans was 3-4%, with 1,856 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,386 $380,360,000 $274,430 $4,590 3.27%
    $100k-200k 904 $135,560,000 $149,956 $3,620 3.36%
    $100,000 or less 555 $30,285,000 $54,568 $1,343 3.62%
    $400k-600k 315 $148,795,000 $472,365 $5,759 3.27%
    $600k-1MM 98 $74,490,000 $760,102 $6,833 3.43%
    $1MM+ 60 $122,210,000 $2,036,833 $9,951 3.35%

    2020 saw Univest Bank And Trust Co. place emphasis on $200k-400k loans with 1,386 originations, totaling $380,360,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 667 $158,525,000 $237,669 $4,600 3.29%
    $150k-250k 582 $165,940,000 $285,120 $4,667 3.29%
    $50k-75k 526 $92,710,000 $176,255 $4,056 3.36%
    $75k-100k 498 $105,150,000 $211,145 $4,328 3.33%
    $250k+ 391 $181,025,000 $462,980 $5,984 3.37%
    $50k or less 375 $51,155,000 $136,413 $3,361 3.41%

    Univest Bank And Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 667 originations. The second most popular income band? $150k-250k, with 582 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 763 $181,795,000 $238,263 $4,258 3.24%
    30-36% 605 $144,495,000 $238,835 $4,286 3.32%
    <20% 332 $81,550,000 $245,633 $4,080 3.16%
    44% 117 $24,105,000 $206,026 $4,613 3.54%
    42% 115 $27,915,000 $242,739 $4,535 3.40%
    39% 112 $28,170,000 $251,518 $4,687 3.42%
    41% 108 $24,100,000 $223,148 $4,698 3.45%
    37% 104 $23,880,000 $229,615 $4,508 3.35%
    36% 102 $29,550,000 $289,706 $4,737 3.28%
    38% 101 $30,365,000 $300,644 $4,764 3.34%
    43% 101 $26,785,000 $265,198 $4,596 3.37%
    40% 95 $23,885,000 $251,421 $4,479 3.35%
    45% 74 $20,700,000 $279,730 $5,005 3.34%
    48% 69 $22,725,000 $329,348 $5,253 3.21%
    49% 69 $17,575,000 $254,710 $4,921 3.37%
    47% 55 $16,745,000 $304,455 $4,817 3.30%
    46% 53 $18,355,000 $346,321 $4,702 3.35%
    50-60% 16 $5,300,000 $331,250 $5,953 3.31%

    Univest Bank And Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 763 originations. The next most common DTI ratio? 30-36%, with 605 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,722 $690,490,000 $253,670 $4,490 3.34%
    Not applicable 153 $89,675,000 $586,111 $0 3.96%
    Not provided 160 $54,910,000 $343,188 $5,212 3.28%
    Asian 151 $36,505,000 $241,755 $4,553 3.28%
    Black 124 $17,390,000 $140,242 $3,146 3.23%
    American Indian 6 $2,590,000 $431,667 $4,178 3.52%
    Native Hawaiian or Islander 2 $140,000 $70,000 $0 3.87%

    Approval Rates

    Total approvals of all applications
    93.35%

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

    Pick Rate

    Approvals leading to origination
    79.42%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,318 $891,700,000 $268,746

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,755,000 $1,755,000
    Multifamily:Site-Built 58 $67,490,000 $1,163,621
    Single Family (1-4 Units):Manufactured 3 $415,000 $138,333
    Single Family (1-4 Units):Site-Built 3,256 $822,040,000 $252,469

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 374 $56,470,000 $150,989 $3,083 3.42%
    40-60% 550 $139,070,000 $252,855 $3,887 3.17%
    60-80% 1,281 $436,755,000 $340,948 $4,678 3.37%
    80-100% 756 $231,300,000 $305,952 $5,168 3.34%
    Over 100% 11 $7,225,000 $656,818 $10,711 3.54%
    Under 20% 344 $20,290,000 $58,983 $428 3.59%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 17.6%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Struggling to pay mortgage 1 5.9%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Trouble during payment process 4 23.5%
    UMPQUA HOLDINGS CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 11.8%
    UMPQUA HOLDINGS CORPORATION FHA mortgage Struggling to pay mortgage 2 11.8%
    UMPQUA HOLDINGS CORPORATION FHA mortgage Trouble during payment process 2 11.8%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Closing on a mortgage 1 5.9%
    UMPQUA HOLDINGS CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 5.9%
    UMPQUA HOLDINGS CORPORATION VA mortgage Closing on a mortgage 1 5.9%

    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 $40,545
    Univest Bank and Trust Co. 1 Heritage Drive Gordonville, PA 17529 Full Service B&M $69,133
    Univest Bank and Trust Co. 10 West Broad Street Souderton, PA 18964 Full Service B&M $756,677
    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 $64,370
    Univest Bank and Trust Co. 1135 Georgetown Road Christiana, PA 17509 Full Service B&M $8,817
    Univest Bank and Trust Co. 120 Forty Foot Rd Hatfield, PA 19440 Full Service B&M $292,765
    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 $60,493
    Univest Bank and Trust Co. 1536 S Broad Street Philadelphia, PA 19146 Full Service B&M $169,384
    Univest Bank and Trust Co. 16 Harbor Place Souderton, PA 18964 Full Service Cyber Office $224,394
    Univest Bank and Trust Co. 1642 Fairmount Avenue Philadelphia, PA 19130 Full Service B&M $14,622
    Univest Bank and Trust Co. 191 West State Street Doylestown, PA 18901 Full Service B&M $102,858
    Univest Bank and Trust Co. 195 East Butler Avenue Chalfont, PA 18914 Full Service B&M $61,018
    Univest Bank and Trust Co. 1950 John Fries Highway Milford Square, PA 18935 Full Service B&M $142,703
    Univest Bank and Trust Co. 200 N. High Street West Chester, PA 19380 Full Service B&M $80,361
    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 $22,372
    Univest Bank and Trust Co. 23 W Highland Avenue Philadelphia, PA 19118 Full Service B&M $85,902
    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 $86,466
    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 $127,447
    Univest Bank and Trust Co. 321 Main Street East Greenville, PA 18041 Full Service B&M $100,220
    Univest Bank and Trust Co. 3601 Market Street Philadelphia, PA 19104 Full Service B&M $21,157
    Univest Bank and Trust Co. 380 Water Loop Drive Collegeville, PA 19426 Full Service B&M $81,178
    Univest Bank and Trust Co. 401 Rhawn Street Philadelphia, PA 19111 Full Service B&M $169,258
    Univest Bank and Trust Co. 415 Main Street Schwenksville, PA 19473 Full Service B&M $61,016
    Univest Bank and Trust Co. 4250 Oregon Pike Brownstown, PA 17508 Full Service B&M $173,213
    Univest Bank and Trust Co. 4258 Township Line Road Schwenksville, PA 19473 Full Service B&M $101,152
    Univest Bank and Trust Co. 4390 Davisville Road Hatboro, PA 19040 Full Service B&M $369,764
    Univest Bank and Trust Co. 500 Harleysville Pike Telford, PA 18969 Full Service B&M $228,411
    Univest Bank and Trust Co. 5089 Hamilton Blvd Allentown, PA 18106 Full Service B&M $35,721
    Univest Bank and Trust Co. 545 Constitution Avenue Perkasie, PA 18944 Full Service B&M $113,764
    Univest Bank and Trust Co. 574 Main Street Bethlehem, PA 18018 Full Service B&M $15,260
    Univest Bank and Trust Co. 5829 Easton Road Plumsteadville, PA 18949 Full Service B&M $104,980
    Univest Bank and Trust Co. 5871 York Road Lahaska, PA 18931 Full Service B&M $65,456
    Univest Bank and Trust Co. 694 Dekalb Pike Blue Bell, PA 19422 Full Service B&M $125,810
    Univest Bank and Trust Co. 7226 Germantown Avenue Philadelphia, PA 19119 Full Service B&M $106,445
    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 $211,675
    Univest Bank and Trust Co. 90 Willow Valley Lakes Drive Willow Street, PA 17584 Full Service B&M $82,919
    Univest Bank and Trust Co. 921 West Avenue Ocean City, NJ 8226 Full Service B&M $49,620
    Univest Bank and Trust Co. 940 Second Street Pike Richboro, PA 18954 Full Service B&M $104,914
    Univest Bank and Trust Co. 986 Bethlehem Pike Montgomeryville, PA 18936 Full Service B&M $108,347
    Univest Bank and Trust Co. 990 Bethlehem Pike Colmar, PA 18915 Full Service B&M $101,667

    For 2020, Univest Bank And Trust Co. had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $203,912
    Net interest income $181,089
    Total noninterest income $77,535
    Gross Fiduciary activities income $7,703
    Service charges on deposit accounts $4,845
    Trading account gains and fees $0
    Additional Noninterest Income $64,987
    Pre-tax net operating income $63,838
    Securities gains (or losses, -) $871
    Income before extraordinary items $53,172
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $53,172
    Minority interest net income $0
    Net income $53,172
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $52,457

    Univest Bank And Trust Co.'s gross interest income from loans was $203,912,000.
    Univest Bank And Trust Co.'s net interest income from loans was $181,089,000.
    Univest Bank And Trust Co.'s fee based income from loans was $4,845,000.
    Univest Bank And Trust Co.'s net income from loans was $53,172,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,823
    Provision for credit losses $40,794
    Total noninterest expense $153,992
    Salaries and employee benefits $78,086
    Premises and equipment expense $13,490
    Additional noninterest expense $62,416
    Applicable income taxes $11,537
    Net charge-offs $4,648
    Cash dividends $9,746

    Univest Bank And Trust Co.'s interest expense for loans was $22,823,000.
    Univest Bank And Trust Co.'s payroll and benefits expense were $78,086,000.
    Univest Bank And Trust Co.'s property, plant and equipment expenses $13,490,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    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 $5,397,136
    Deposits held in domestic offices $5,397,136
    Deposits by Individuals, partnerships, and corporations $4,519,781
    Deposits by U.S. Government $9
    Deposits by States and political subdivisions in the U.S. $871,906
    Deposits by Commercial banks and other depository institutions in U.S. $5,440
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $572,882
    Demand deposits $490,216
    Nontransaction accounts $4,824,254
    Money market deposit accounts (MMDAs) $3,445,334
    Other savings deposits (excluding MMDAs) $815,145
    Total time deposits $563,775
    Total time and savings deposits $4,906,920
    Noninterest-bearing deposits $283,768
    Interest-bearing deposits $5,113,368
    Retail deposits $5,105,434
    IRAs and Keogh plan accounts $111,646
    Brokered deposits $130,107
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,318,888
    Cash & Balances due from depository institutions $219,647
    Interest-bearing balances $157,303
    Total securities $372,358
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,260,836
    Loan and leases loss allowance $83,044
    Trading account assets $0
    Bank premises and fixed assets $85,248
    Other real estate owned $7,355
    Goodwill and other intangibles $181,425
    All other assets $192,019

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,318,888
    Total Liabilities $5,599,742
    Total deposits $5,397,136
    Interest-bearing deposits $5,113,368
    Deposits held in domestic offices $5,397,136
    % insured (estimated) $47
    Federal funds purchased and repurchase agreements $17,906
    Trading liabilities $0
    Other borrowed funds $110,000
    Subordinated debt $0
    All other liabilities $74,700

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,260,836
    Loan and leases loss allowance $83,044
    Total loans and leases (domestic) $5,343,880
    All real estate loans $3,659,081
    Real estate loans in domestic offices $3,659,081
    Construction and development loans $233,062
    Residential 1-4 family construction $60,636
    Other construction, all land development and other land $172,426
    Loans secured by nonfarm nonresidential properties $1,746,199
    Nonfarm nonresidential secured by owner-occupied properties $596,579
    Commercial real estate & other non-farm, non-residential $1,149,620
    Multifamily residential real estate $205,910
    1-4 family residential loans $1,069,079
    Farmland loans $404,831
    Loans held in foreign offices $0
    Farm loans $16,649
    Commercial and industrial loans $1,288,938
    To non-U.S. addressees $0
    Loans to individuals $27,456
    Credit card loans $0
    Related Plans $4,565
    Consumer Auto Loans $106
    Other loans to individuals $22,785
    All other loans & leases $351,756
    Loans to foreign governments and official institutions $0
    Other loans $1,453
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $694
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $53
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Univest Bank and Trust Co. had $5,260,836,000 of loans outstanding in 2020. $3,659,081,000 of loans were in real estate loans. $233,062,000 of loans were in development loans. $205,910,000 of loans were in multifamily mortgage loans. $1,069,079,000 of loans were in 1-4 family mortgage loans. $16,649,000 of loans were in farm loans. $0 of loans were in credit card loans. $106,000 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 887 $256,758 $289,468
    Nonfarm, nonresidential loans - <$100k 97 $3,908 $40,289
    Nonfarm, nonresidential loans - $100-250k 241 $31,545 $130,892
    Nonfarm, nonresidential loans - $250k-1MM 549 $221,305 $403,106
    Commercial & Industrial, US addressed loans - <$1MM 4,236 $425,547 $100,460
    Commercial & Industrial, US addressed loans - <$100k 2,647 $73,664 $27,829
    Commercial & Industrial, US addressed loans - $100-250k 777 $91,369 $117,592
    Commercial & Industrial, US addressed loans - $250k-1MM 812 $260,514 $320,830
    Farmland loans - <$1MM 668 $120,521 $180,421
    Farmland loans - <$100k 173 $5,049 $29,185
    Farmland loans - $100-250k 210 $26,973 $128,443
    Farmland loans - $250k-1MM 285 $88,499 $310,523
    Agriculture operations loans - <$1MM 425 $15,839 $37,268
    Agriculture operations loans - <$100k 354 $8,087 $22,845
    Agriculture operations loans - $100-250k 60 $5,991 $99,850
    Agriculture operations loans - $250k-1MM 11 $1,761 $160,091