We analyzed every closed loan from Univest Bank and Trust Co. — 984 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Univest Bank and Trust Co. performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+19.5 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
804 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
126 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
VA
24 loans · 0.52% below market
Strong
Top 40% of lenders
4/5
Jumbo
28 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
925 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
Refinance
59 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 804 | 81.7% | +0.225%Above | $1,994Fees | ||||
FHA Loans | 126 | 12.8% | +0.085%Above | $1,290Fees | ||||
VA Loans | — | 24 | 2.4% | -0.524%Below | $810Fees | |||
Jumbo Loans | — | 28 | 2.8% | +0.334%Above | $1,681Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume804
Mix81.7%
Spread
+0.225%Above
Fees
$1,994Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume126
Mix12.8%
Spread
+0.085%Above
Fees
$1,290Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume24
Mix2.4%
Spread
-0.524%Below
Fees
$810Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume28
Mix2.8%
Spread
+0.334%Above
Fees
$1,681Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 925 | 94.0% | +0.187%Above | $1,835Fees | ||||
Refinance | 59 | 6.0% | +0.328%Above | $2,675Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume925
Mix94.0%
Spread
+0.187%Above
Fees
$1,835Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume59
Mix6.0%
Spread
+0.328%Above
Fees
$2,675Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
984
Applications
1,317
Volume
$337 million
Pricing & Closing
Avg Rate Spread
+0.195%
vs. market APOR
Avg Net Fees
$1,885
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$343,028
Avg Borrower Income
$145,964
Avg Property Value
$455,000
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 2020+None
Northeast3
NJNYPA
Midwest1
OH
South8
DEFLGAMDNCSCVAWV
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.