Univest Bank and Trust Co. closing costs and rates (2024)
In 2024, Univest Bank and Trust Co. originated 901 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $6,092. That ranks #404 nationally by origination volume. For total closing costs among lenders with 500+ originations, Univest Bank and Trust Co. ranks #287. That is $649 below the national median of $6,741. Univest Bank and Trust Co. is most active in Pennsylvania with 843 originations there.
Purchase Originations
901
Ranked #404 nationally
Median Total Costs
$6,092
−9.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,020
Median Lender Credits
$157
Cost Rank (500+ vol.)
#287
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 747 | 6.625% | $5,721 | $1,295 |
| fha | 127 | 6.125% | $9,401 | $1,020 |
| va | 25 | 6.375% | $5,536 | $1,020 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 843 | 6.625% | $6,137 | #26 |
| Delaware | 20 | 6.750% | $5,357 | — |
| New Jersey | 16 | 6.875% | $5,841 | — |
| Florida | 5 | 7.000% | $6,836 | — |
| South Carolina | 4 | 7.500% | $7,188 | — |
| Maryland | 3 | 7.125% | $5,075 | — |
| Virginia | 3 | 6.625% | $5,171 | — |
| New York | 2 | 6.500% | $6,853 | — |
| Ohio | 2 | 6.812% | $9,180 | — |
| West Virginia | 2 | 6.500% | $7,675 | — |
| North Carolina | 1 | 7.500% | $4,861 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,324 | 6.500% | — | 15 | −$1,768 | |
| 2 | $5,322 | 6.875% | — | 14 | −$770 | |
| 3 | $5,494 | 6.625% | — | 28 | −$598 | |
| 4 | $5,540 | 6.875% | — | 38 | −$552 | |
| 5 | $5,728 | 6.375% | — | 21 | −$364 | |
| 6 | $5,864 | 6.875% | — | 38 | −$228 | |
| 7 | $5,873 | 6.625% | — | 95 | −$219 | |
| 8 | $5,966 | 6.500% | — | 43 | −$126 | |
| 9 | $5,976 | 6.625% | — | 10 | −$116 | |
| 10 | $6,082 | 6.625% | — | 65 | −$10 | |
| 11 | $6,092 | 6.750% | — | 19 | +$0 | |
| 12 | $6,394 | 6.625% | — | 73 | +$302 | |
| 13 | $6,598 | 6.625% | — | 111 | +$506 | |
| 14 | $6,639 | 6.500% | — | 9 | +$547 | |
| 15 | $6,749 | 7.000% | — | 44 | +$657 | |
| 16 | $6,796 | 6.250% | — | 9 | +$704 | |
| 17 | $6,812 | 6.625% | — | 8 | +$720 | |
| 18 | $6,839 | 6.125% | — | 113 | +$747 | |
| 19 | $7,112 | 6.875% | — | 30 | +$1,020 | |
| 20 | $7,393 | 6.125% | — | 12 | +$1,301 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.