Unity Bank in New York vs the state
15.6%Denial rate-4.12 pts vs state
20.0%Decision denial rate-4.04 pts vs state
62.5%Origination rate+2.91 pts vs state
6.56%Median rate-0.06 pts vs state
0.02Rate spread (pts)-0.19 pts vs state
$211kMedian applicant income
20Loans originated
5Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 7 | 18.2% | 7.38% | #438 |
| 2025 | 32 | 20 | 15.6% | 6.56% | #373 |
What Unity Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Unity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockland County | 7 | 4 | 1 | 14.3% |
| Orange County | 6 | 1 | 3 | 50.0% |
| Westchester County | 6 | 6 | 0 | 0.0% |
| New York County | 3 | 1 | 1 | 33.3% |
| Richmond County | 2 | 1 | 0 | 0.0% |
| Dutchess County | 2 | 2 | 0 | 0.0% |
| Nassau County | 1 | 1 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Ulster County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 32 applications in 2025, of which 20 were originated and 5 denied.
15.6% of all applications, or 20.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Unity Bank originated in New York in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Unity Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology