Unity Bank
Unity Bank received 523 applications in 2025 and made 384 mortgages, in 53 counties across 13 states. The median rate its borrowers got was 7.000% on a median loan of $435,000. Of 433 decisions, 43 were denials — 9.9%, most often for credit history.
| Legal Entity Identifier | 549300FNQXUCMCVLKL76 |
|---|---|
| Applications received | 523 |
| Mortgages made | 384 |
| Denied | 43 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.602 points |
| FDIC-insured bank | Yes: Unity Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 293 | 6.875% | $435,000 | 5.2% |
| Refinancing | 32 | 6.938% | $560,000 | 10.5% |
| Cash-out refinancing | 28 | 7.500% | $570,000 | 13.9% |
| Other purposes | 31 | 7.500% | $105,000 | 36.7% |
Where Unity Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bergen County, NJ | 67 | 7.125% | 6.9% |
| Hudson County, NJ | 47 | 7.000% | 0.0% |
| Ocean County, NJ | 28 | 7.000% | 6.7% |
| Essex County, NJ | 26 | 7.000% | 3.5% |
| Hunterdon County, NJ | 23 | 7.000% | 4.2% |
| Monmouth County, NJ | 21 | 7.250% | 8.7% |
| Passaic County, NJ | 21 | 6.875% | 19.2% |
| Middlesex County, NJ | 18 | 7.188% | 18.2% |
| Somerset County, NJ | 18 | 7.000% | 21.7% |
| Morris County, NJ | 17 | 6.875% | 10.0% |
| Union County, NJ | 14 | 6.750% | 0.0% |
| Northampton County, PA | 13 | 6.500% | 13.3% |
| Warren County, NJ | 9 | Under 10 loans | 30.8% |
| Lehigh County, PA | 8 | Under 10 loans | 11.1% |
| Mercer County, NJ | 6 | Under 10 loans | 14.3% |
| Westchester County, NY | 6 | Under 10 loans | 0.0% |
| Sussex County, NJ | 4 | Under 10 loans | 0.0% |
| Rockland County, NY | 4 | Under 10 loans | 20.0% |
| Cape May County, NJ | 3 | Under 10 loans | 0.0% |
| Monroe County, PA | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 2 | Under 10 loans | 0.0% |
| Dutchess County, NY | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Madison County, NY | 1 | Under 10 loans | 0.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 50.0% |
| Orange County, NY | 1 | Under 10 loans | 75.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Richmond County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| Martinsville city, VA | 1 | Under 10 loans | 0.0% |
| New Castle County, DE | 0 | Under 10 loans | 100.0% |
| Hendricks County, IN | 0 | Under 10 loans | Not published |
| Piscataquis County, ME | 0 | Under 10 loans | 100.0% |
| Burlington County, NJ | 0 | Under 10 loans | Not published |
Get told when this changes
When Unity Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.