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, Cash Out Refi, 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, Ocean City, Allentown, and New York among others. We have data for 62 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% 12/16/24
    30 Year Conventional Purchase 6.44% 12/16/24
    30 Year Conventional Refi 6.41% 12/16/24
    30 Year Cash-out Refi 6.61% 12/16/24
    30 Year FHA Purchase 7.08% 12/16/24
    30 Year FHA Refi 6.69% 12/16/24
    30 Year VA Purchase 6.11% 12/16/24
    30 Year USDA Purchase 6.58% 12/16/24
    15 Year Conventional Purchase 5.93% 12/16/24
    15 Year Conventional Refi 6.22% 12/16/24
    15 Year Cash-out Refi 6.22% 12/16/24
    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

    3,607

    Origination Dollar Volume (All Markets)

    $977,905,000

    Employee count

    829

    Awards

    Univest Bank and Trust Co. 30 Year Conventional Loans silver 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) 2,373 $620,685,000 $261,561 $4,824 3.23%
    LANCASTER, PA (FHA|USDA|VA) 365 $91,425,000 $250,479 $4,245 3.39%
    OCEAN CITY, NJ (FHA|USDA|VA) 88 $47,580,000 $540,682 $5,118 3.22%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 211 $45,935,000 $217,701 $4,762 3.15%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 98 $37,150,000 $379,082 $5,231 3.26%
    READING, PA (FHA|USDA|VA) 127 $24,455,000 $192,559 $4,815 3.23%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 26 $18,920,000 $727,692 $3,558 3.33%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 41 $17,035,000 $415,488 $5,010 3.20%
    SALISBURY, MD-DE (FHA|USDA|VA) 19 $8,075,000 $425,000 $5,205 3.17%
    YORK-HANOVER, PA (FHA|USDA|VA) 43 $7,585,000 $176,395 $5,330 3.49%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 33 $7,405,000 $224,394 $4,228 3.31%
    LEBANON, PA (FHA|USDA|VA) 22 $6,130,000 $278,636 $4,219 3.57%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $5,625,000 $432,692 $5,517 3.20%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 12 $3,840,000 $320,000 $5,704 3.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 16 $3,400,000 $212,500 $5,239 3.24%
    Outside of Metro Areas 18 $3,360,000 $186,667 $4,359 3.28%
    PITTSBURGH, PA (FHA|USDA|VA) 11 $3,195,000 $290,455 $5,205 3.32%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $3,185,000 $289,545 $4,704 3.36%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $2,045,000 $2,045,000 $13,185 3.38%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $2,015,000 $403,000 $3,857 3.28%
    Pottsville, PA (FHA|USDA|VA) 13 $1,925,000 $148,077 $4,876 3.32%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,560,000 $390,000 $4,243 2.97%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,505,000 $301,000 $4,750 3.35%
    Easton, MD (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $6,363 3.25%
    Key West, FL (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $10,490 3.13%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $730,000 $365,000 $2,100 3.25%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 6 $700,000 $116,667 $3,752 3.33%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $660,000 $330,000 $14,785 3.13%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $655,000 $655,000 $4,411 3.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $10,088 3.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $475,000 $475,000 $0 3.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $465,000 $465,000 $5,138 3.25%
    WILMINGTON, NC (FHA|USDA|VA) 2 $450,000 $225,000 $5,089 3.38%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $405,000 $405,000 $1,790 2.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $405,000 $405,000 $6,146 3.38%
    Brevard, NC (FHA|USDA|VA) 1 $385,000 $385,000 $5,406 3.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,562 2.75%
    Cambridge, MD (FHA|USDA|VA) 1 $315,000 $315,000 $3,492 3.38%
    Sunbury, PA (FHA|USDA|VA) 3 $305,000 $101,667 $4,790 3.51%
    BURLINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $8,000 3.25%
    TOLEDO, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,496 3.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $4,717 3.38%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.50%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $275,000 $275,000 $3,116 2.63%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,518 3.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $8,355 3.38%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.50%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,123 3.25%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,059 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,230 3.63%
    DOVER, DE (FHA|USDA|VA) 1 $195,000 $195,000 $2,977 2.63%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,442 2.50%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $195,000 $65,000 $0 3.88%
    Greeneville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,368 3.88%
    Sayre, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,450 3.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,218 2.38%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $165,000 $165,000 $4,716 3.50%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,478 2.88%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,658 3.13%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $95,000 $95,000 $3,190 3.00%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $75,000 $75,000 $2,742 3.13%
    Univest Bank And Trust Co.'s top markets include Philadelphia, Lancaster, Ocean City, Allentown, 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.

    N C P D Federal Credit Union
    Similarity Rank: 102
    BELLCO
    Similarity Rank: 176
    Schuyler Savings Bank
    Similarity Rank: 352
    Louviers Federal Credit Union
    Similarity Rank: 410
    BHCU
    Similarity Rank: 504
    Discovery Federal Credit Union
    Similarity Rank: 616
    ATLANTIS MORTGAGE CO., INC.
    Similarity Rank: 652
    Hebron Savings Bank
    Similarity Rank: 676
    The First National Bank of Long Island
    Similarity Rank: 748
    The Atlantic Federal Credit Union
    Similarity Rank: 882

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,738 $860,700,000 $314,354 $4,588 3.20%
    HELOC 729 $82,865,000 $113,669 n/a 3.51%
    FHA 119 $28,135,000 $236,429 $8,152 2.95%
    VA 16 $5,460,000 $341,250 $8,207 2.82%
    USDA 5 $745,000 $149,000 $5,034 2.90%

    For 2021, Univest Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 2,738 originations. Their 2nd most popular type was HELOC, with 729 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,396 $431,980,000 $309,441 $5,595 3.30%
    Cash Out Refi 1,138 $296,140,000 $260,228 $4,451 3.03%
    Refi 567 $205,615,000 $362,637 $4,975 3.36%
    Home Improvement 430 $36,730,000 $85,419 $139 3.49%
    Other 76 $7,440,000 $97,895 $142 3.51%

    For 2021, Univest Bank And Trust Co.'s most frequently cited loan purpose was Home Purchase, with 1,396 originations. The 2nd most popular reason was Cash Out Refi, with 1,138 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,769 $589,085,000 $333,005 $5,360 3.26%
    Other 780 $131,070,000 $168,038 $4,579 3.49%
    15 Year 498 $113,250,000 $227,410 $3,935 2.71%
    10 Year 367 $82,635,000 $225,163 $1,524 3.30%
    20 Year 95 $24,365,000 $256,474 $4,290 3.18%
    5 Year 95 $36,855,000 $387,947 $178 3.83%
    1 Year 3 $645,000 $215,000 $0 4.58%

    For 2021, Univest Bank And Trust Co.'s most frequently cited loan duration was 30 Year, with 1,769 originations. The 2nd most popular length was Other, with 780 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,442 $446,660,000 $309,750
    $1k-2k 408 $96,910,000 $237,525
    $2k-3k 198 $70,900,000 $358,081
    $3k-4k 73 $23,825,000 $326,370
    $5k+ 60 $25,480,000 $424,667
    $4k-5k 50 $18,870,000 $377,400

    Univest Bank And Trust Co.'s average total fees were $5,360, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,442 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,293 $598,305,000 $260,927
    2.5-3% 916 $278,260,000 $303,777
    <2.5% 259 $77,775,000 $300,290
    4-5% 121 $22,515,000 $186,074
    5-6% 18 $1,050,000 $58,333

    During 2021, Univest Bank And Trust Co.'s average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 2,293 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,378 $385,620,000 $279,840 $4,953 3.18%
    $100k-200k 1,018 $151,030,000 $148,360 $3,853 3.23%
    $100,000 or less 625 $35,275,000 $56,440 $1,455 3.47%
    $400k-600k 378 $180,640,000 $477,884 $6,488 3.23%
    $600k-1MM 140 $105,990,000 $757,071 $7,215 3.25%
    $1MM+ 68 $119,350,000 $1,755,147 $8,780 3.13%

    2021 saw Univest Bank And Trust Co. place emphasis on $200k-400k loans with 1,378 originations, totaling $385,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 698 $167,690,000 $240,244 $5,141 3.21%
    $150k-250k 605 $171,235,000 $283,033 $5,246 3.23%
    $50k-75k 605 $107,705,000 $178,025 $4,333 3.22%
    $75k-100k 500 $100,060,000 $200,120 $4,722 3.28%
    $250k+ 432 $192,020,000 $444,491 $6,178 3.23%
    $50k or less 359 $50,795,000 $141,490 $3,673 3.25%

    Univest Bank And Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 698 originations. The second most popular income band? $150k-250k, with 605 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 773 $180,055,000 $232,930 $4,489 3.19%
    30-36% 564 $136,270,000 $241,613 $4,627 3.25%
    <20% 337 $78,885,000 $234,080 $4,267 3.13%
    44% 138 $31,930,000 $231,377 $5,665 3.28%
    39% 127 $31,035,000 $244,370 $5,261 3.33%
    40% 126 $30,660,000 $243,333 $4,797 3.29%
    36% 114 $25,800,000 $226,316 $4,757 3.25%
    37% 112 $25,830,000 $230,625 $4,969 3.30%
    42% 110 $31,000,000 $281,818 $5,077 3.27%
    41% 107 $28,005,000 $261,729 $4,656 3.25%
    49% 93 $24,715,000 $265,753 $5,108 3.22%
    43% 91 $24,165,000 $265,549 $5,505 3.25%
    38% 88 $24,870,000 $282,614 $5,270 3.20%
    48% 84 $23,910,000 $284,643 $5,606 3.17%
    46% 76 $23,400,000 $307,895 $4,979 3.19%
    45% 75 $21,105,000 $281,400 $5,233 3.16%
    47% 67 $17,775,000 $265,299 $5,012 3.12%
    50-60% 21 $6,755,000 $321,667 $9,018 3.10%

    Univest Bank And Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 773 originations. The next most common DTI ratio? 30-36%, with 564 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,651 $685,665,000 $258,644 $4,809 3.24%
    Not provided 403 $114,775,000 $284,801 $5,404 3.17%
    Not applicable 192 $103,030,000 $536,615 $0 3.64%
    Asian 154 $42,530,000 $276,169 $5,189 3.22%
    Black 188 $27,670,000 $147,181 $3,459 3.28%
    American Indian 12 $2,250,000 $187,500 $5,132 3.21%
    Other Asian 3 $1,445,000 $481,667 $3,501 3.54%
    Native Hawaiian or Islander 3 $395,000 $131,667 $3,367 3.71%
    Asian Indian 1 $145,000 $145,000 $0 3.63%

    Approval Rates

    Total approvals of all applications
    94.45%

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

    Pick Rate

    Approvals leading to origination
    82.03%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,607 $977,905,000 $271,113

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,607 $977,905,000 $271,113

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 465 $75,195,000 $161,710 $3,393 3.28%
    40-60% 635 $174,085,000 $274,150 $4,125 3.07%
    60-80% 1,281 $439,185,000 $342,845 $5,039 3.30%
    80-100% 803 $258,715,000 $322,186 $5,801 3.21%
    Over 100% 10 $3,690,000 $369,000 $16,561 3.24%
    Under 20% 408 $25,540,000 $62,598 $504 3.43%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Closing on a mortgage 1 12.5%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Struggling to pay mortgage 1 12.5%
    UMPQUA HOLDINGS CORPORATION Conventional home mortgage Trouble during payment process 1 12.5%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 12.5%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Closing on a mortgage 2 25.0%
    UMPQUA HOLDINGS CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 12.5%
    UMPQUA HOLDINGS CORPORATION VA mortgage Trouble during payment process 1 12.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Univest Bank and Trust Co. 1 Heritage Drive Gordonville, PA 17529 Full Service B&M $75,343
    Univest Bank and Trust Co. 10 West Broad Street Souderton, PA 18964 Full Service B&M $606,010
    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 Limited, Drive-thru $70,264
    Univest Bank and Trust Co. 1103 Rocky Rd Reading, PA 19609 Full Service B&M $86
    Univest Bank and Trust Co. 1135 Georgetown Road Christiana, PA 17509 Full Service B&M $13,917
    Univest Bank and Trust Co. 120 Forty Foot Rd Hatfield, PA 19440 Full Service B&M $316,725
    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 $68,856
    Univest Bank and Trust Co. 1536 S Broad Street Philadelphia, PA 19146 Full Service B&M $51,609
    Univest Bank and Trust Co. 16 Harbor Place Souderton, PA 18964 Full Service Cyber Office $262,674
    Univest Bank and Trust Co. 1642 Fairmount Avenue Philadelphia, PA 19130 Full Service B&M $14,935
    Univest Bank and Trust Co. 195 East Butler Avenue Chalfont, PA 18914 Full Service B&M $63,447
    Univest Bank and Trust Co. 1950 John Fries Highway Milford Square, PA 18935 Full Service B&M $168,142
    Univest Bank and Trust Co. 1980 S Easton Rd Doylestown, PA 18901 Full Service B&M $222,768
    Univest Bank and Trust Co. 200 N. High Street West Chester, PA 19380 Full Service B&M $117,280
    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 $48,419
    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 $100,505
    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 $210,564
    Univest Bank and Trust Co. 2901 Whiteford Road York, PA 17402 Full Service B&M $3,123
    Univest Bank and Trust Co. 321 Main Street East Greenville, PA 18041 Full Service B&M $117,552
    Univest Bank and Trust Co. 3601 Market Street Philadelphia, PA 19104 Full Service B&M $42,983
    Univest Bank and Trust Co. 380 Water Loop Drive Collegeville, PA 19426 Full Service B&M $115,351
    Univest Bank and Trust Co. 401 Rhawn Street Philadelphia, PA 19111 Full Service B&M $168,222
    Univest Bank and Trust Co. 4250 Oregon Pike Brownstown, PA 17508 Full Service B&M $221,431
    Univest Bank and Trust Co. 90 Willow Valley Lakes Drive Willow Street, PA 17584 Full Service B&M $84,515
    Univest Bank and Trust Co. 4258 Township Line Road Schwenksville, PA 19473 Full Service B&M $113,205
    Univest Bank and Trust Co. 4390 Davisville Road Hatboro, PA 19040 Full Service B&M $517,523
    Univest Bank and Trust Co. 4601 Carlisle Pike Mechanicsburg, PA 17050 Full Service B&M $14
    Univest Bank and Trust Co. 500 Harleysville Pike Telford, PA 18969 Full Service B&M $229,071
    Univest Bank and Trust Co. 5089 Hamilton Blvd Allentown, PA 18106 Full Service B&M $40,620
    Univest Bank and Trust Co. 574 Main Street Bethlehem, PA 18018 Full Service B&M $27,223
    Univest Bank and Trust Co. 5871 York Road Lahaska, PA 18931 Full Service B&M $192,095
    Univest Bank and Trust Co. 694 Dekalb Pike Blue Bell, PA 19422 Full Service B&M $128,279
    Univest Bank and Trust Co. 7226 Germantown Avenue Philadelphia, PA 19119 Full Service B&M $204,328
    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 $364,080
    Univest Bank and Trust Co. 921 West Avenue Ocean City, NJ 8226 Full Service B&M $65,386
    Univest Bank and Trust Co. 940 Second Street Pike Richboro, PA 18954 Full Service B&M $121,568
    Univest Bank and Trust Co. 986 Bethlehem Pike Montgomeryville, PA 18936 Full Service B&M $125,192
    Univest Bank and Trust Co. 990 Bethlehem Pike Colmar, PA 18915 Full Service B&M $116,897

    For 2021, Univest Bank And Trust Co. had 45 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $209,697
    Net interest income $195,498
    Total noninterest income $82,778
    Gross Fiduciary activities income $8,403
    Service charges on deposit accounts $5,504
    Trading account gains and fees $0
    Additional Noninterest Income $68,871
    Pre-tax net operating income $124,789
    Securities gains (or losses, -) $145
    Income before extraordinary items $99,737
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $99,737
    Minority interest net income $0
    Net income $99,737
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $99,621

    Univest Bank And Trust Co.'s gross interest income from loans was $209,697,000.
    Univest Bank And Trust Co.'s net interest income from loans was $195,498,000.
    Univest Bank And Trust Co.'s fee based income from loans was $5,504,000.
    Univest Bank And Trust Co.'s net income from loans was $99,737,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,199
    Provision for credit losses $-10,132
    Total noninterest expense $163,619
    Salaries and employee benefits $86,040
    Premises and equipment expense $13,598
    Additional noninterest expense $63,981
    Applicable income taxes $25,197
    Net charge-offs $213
    Cash dividends $57,526

    Univest Bank And Trust Co.'s interest expense for loans was $14,199,000.
    Univest Bank And Trust Co.'s payroll and benefits expense were $86,040,000.
    Univest Bank And Trust Co.'s property, plant and equipment expenses $13,598,000.

    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 $6,154,732
    Deposits held in domestic offices $6,154,732
    Deposits by Individuals, partnerships, and corporations $5,082,352
    Deposits by U.S. Government $42
    Deposits by States and political subdivisions in the U.S. $1,067,976
    Deposits by Commercial banks and other depository institutions in U.S. $4,362
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $613,652
    Demand deposits $523,263
    Nontransaction accounts $5,541,080
    Money market deposit accounts (MMDAs) $4,131,873
    Other savings deposits (excluding MMDAs) $925,042
    Total time deposits $484,165
    Total time and savings deposits $5,631,469
    Noninterest-bearing deposits $351,072
    Interest-bearing deposits $5,803,660
    Retail deposits $6,009,274
    IRAs and Keogh plan accounts $105,123
    Brokered deposits $26,564
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,100,677
    Cash & Balances due from depository institutions $889,905
    Interest-bearing balances $840,948
    Total securities $496,010
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,259,693
    Loan and leases loss allowance $71,924
    Trading account assets $0
    Bank premises and fixed assets $83,021
    Other real estate owned $279
    Goodwill and other intangibles $187,358
    All other assets $184,411

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,100,677
    Total Liabilities $6,338,895
    Total deposits $6,154,732
    Interest-bearing deposits $5,803,660
    Deposits held in domestic offices $6,154,732
    % insured (estimated) $45
    Federal funds purchased and repurchase agreements $20,106
    Trading liabilities $0
    Other borrowed funds $95,000
    Subordinated debt $0
    All other liabilities $69,057

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,259,693
    Loan and leases loss allowance $71,924
    Total loans and leases (domestic) $5,331,617
    All real estate loans $4,007,394
    Real estate loans in domestic offices $4,007,394
    Construction and development loans $273,923
    Residential 1-4 family construction $56,556
    Other construction, all land development and other land $217,367
    Loans secured by nonfarm nonresidential properties $1,877,465
    Nonfarm nonresidential secured by owner-occupied properties $644,371
    Commercial real estate & other non-farm, non-residential $1,233,094
    Multifamily residential real estate $243,497
    1-4 family residential loans $1,127,778
    Farmland loans $484,731
    Loans held in foreign offices $0
    Farm loans $19,447
    Commercial and industrial loans $896,894
    To non-U.S. addressees $0
    Loans to individuals $25,465
    Credit card loans $0
    Related Plans $4,212
    Consumer Auto Loans $29
    Other loans to individuals $21,224
    All other loans & leases $382,417
    Loans to foreign governments and official institutions $0
    Other loans $4,268
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $4,903
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $51
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Univest Bank and Trust Co. had $5,259,693,000 of loans outstanding in 2021. $4,007,394,000 of loans were in real estate loans. $273,923,000 of loans were in development loans. $243,497,000 of loans were in multifamily mortgage loans. $1,127,778,000 of loans were in 1-4 family mortgage loans. $19,447,000 of loans were in farm loans. $0 of loans were in credit card loans. $29,000 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 884 $265,185 $299,983
    Nonfarm, nonresidential loans - <$100k 84 $3,073 $36,583
    Nonfarm, nonresidential loans - $100-250k 234 $30,512 $130,393
    Nonfarm, nonresidential loans - $250k-1MM 566 $231,600 $409,187
    Commercial & Industrial, US addressed loans - <$1MM 2,106 $147,594 $70,083
    Commercial & Industrial, US addressed loans - <$100k 1,246 $25,244 $20,260
    Commercial & Industrial, US addressed loans - $100-250k 372 $27,159 $73,008
    Commercial & Industrial, US addressed loans - $250k-1MM 488 $95,191 $195,064
    Farmland loans - <$1MM 714 $121,543 $170,228
    Farmland loans - <$100k 207 $5,849 $28,256
    Farmland loans - $100-250k 208 $26,016 $125,077
    Farmland loans - $250k-1MM 299 $89,678 $299,926
    Agriculture operations loans - <$1MM 476 $18,395 $38,645
    Agriculture operations loans - <$100k 397 $9,155 $23,060
    Agriculture operations loans - $100-250k 68 $7,093 $104,309
    Agriculture operations loans - $250k-1MM 11 $2,147 $195,182