Unity Bank in New Jersey vs the state
7.3%Denial rate-10.40 pts vs state
8.8%Decision denial rate-14.21 pts vs state
74.0%Origination rate+18.35 pts vs state
7.00%Median rate+0.25 pts vs state
0.73Rate spread (pts)+0.44 pts vs state
$179kMedian applicant income
325Loans originated
32Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 362 | 257 | 6.9% | 7.13% | #134 |
| 2025 | 439 | 325 | 7.3% | 7.00% | #131 |
What Unity Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Unity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 87 | 67 | 5 | 5.7% |
| Hudson County | 56 | 47 | 0 | 0.0% |
| Ocean County | 41 | 28 | 2 | 4.9% |
| Essex County | 35 | 26 | 1 | 2.9% |
| Passaic County | 30 | 21 | 5 | 16.7% |
| Monmouth County | 30 | 21 | 2 | 6.7% |
| Hunterdon County | 27 | 23 | 1 | 3.7% |
| Morris County | 27 | 17 | 2 | 7.4% |
| Somerset County | 26 | 18 | 5 | 19.2% |
| Middlesex County | 25 | 18 | 4 | 16.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 439 applications in 2025, of which 325 were originated and 32 denied.
7.3% of all applications, or 8.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Unity Bank originated in New Jersey in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Unity Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology