Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$5,891
median across reports
vs. National Average
8%
below national avg
Avg Origination Charge
$2,360
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $2,544 | $3,585 | 🟢 Below Avg |
| Origination Fee | $2,360 | $3,743 | 🟢 Below Avg |
| lender_credits | $452 | $1,150 | 🟢 Below Avg |
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Based on 830 homebuyer-submitted Closing Disclosures, Univest Bank and Trust Co.'s median total closing costs are $5,891. This is about 8% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Univest Bank and Trust Co.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
593
Ranked #574 nationally
Median Total Costs
$6,496
−2.8% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
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 |
| This lender | Pennsylvania median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,394 | $6,500 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 562 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 7.000% |
| $4,936 |
| — |
| Maryland | 1 | 6.125% | $5,407 | — |
| North Carolina | 1 | 6.250% | $5,767 | — |