Purchase Originations
593
Ranked #574 nationally
Median Total Costs
$6,496
−2.8% vs national ($6,680)
↑ $404 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,220
Median Lender Credits
$211
Cost Rank (500+ vol.)
#324
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 462 | 6.625% | $5,882 | $1,220 |
| fha | 113 | 6.000% | $9,740 | $1,220 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 562 | 6.500% | $6,394 | #40 |
| New Jersey | 18 | 6.875% | $8,387 | — |
| Florida | 4 | 6.562% | $10,894 | — |
| South Carolina | 3 | 6.625% | $4,011 | — |
| New York | 2 | 6.812% | $10,746 | — |
| Delaware | 1 | 6.875% | $6,525 | — |
| Georgia | 1 | 7.000% | $4,936 | — |
| Maryland | 1 | 6.125% | $5,407 | — |
| North Carolina | 1 | 6.250% | $5,767 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,594 | 6.562% | — | 6 | −$902 | |
| 2 | $5,729 | 6.562% | — | 4 | −$767 | |
| 3 | $5,755 | 6.312% | — | 10 | −$741 | |
| 4 | $5,762 | 6.625% | — | 9 | −$734 | |
| 5 | $5,894 | 6.375% | — | 27 | −$602 | |
| 6 | $5,997 | 6.812% | — | 12 | −$499 | |
| 7 | $6,222 | 6.875% | — | 8 | −$274 | |
| 8 | $6,316 | 6.625% | — | 54 | −$180 | |
| 9 | $6,341 | 6.500% | — | 68 | −$155 | |
| 10 | $6,362 | 6.812% | — | 48 | −$134 | |
| 11 | $6,480 | 6.500% | — | 8 | −$16 | |
| 12 | $6,564 | 6.250% | — | 133 | +$68 | |
| 13 | $6,692 | 6.625% | — | 16 | +$196 | |
| 14 | $6,859 | 6.875% | — | 6 | +$363 | |
| 15 | $6,860 | 6.625% | — | 30 | +$364 | |
| 16 | $7,039 | 6.312% | — | 6 | +$543 | |
| 17 | $7,056 | 6.438% | — | 92 | +$560 | |
| 18 | $7,269 | 6.750% | — | 3 | +$773 | |
| 19 | $8,768 | 6.312% | — | 8 | +$2,272 | |
| 20 | $9,016 | 6.562% | — | 10 | +$2,520 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Univest Bank and Trust Co. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,496 | $7,127 | −$631 (−8.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.