Unity Bank mortgage approval rate & lending review
Unity Bank decided 717 mortgage applications and funded 652 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Unity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Unity Bank at a glance
Approval is 8.4 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 421 / 443 | 99% | $455K | 418 |
| Home improvement loans | 64% | 18 / 28 | 100% | $95K | 18 |
| Cash-out refinance | 92% | 45 / 49 | 93% | $505K | 42 |
| Refinance | 91% | 49 / 54 | 100% | $545K | 49 |
| Investment property purchase | 93% | 99 / 107 | 100% | $565K | 99 |
Unity Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 93% | $465K | 602 | 552 |
| Pennsylvania | 90% | $335K | 62 | 55 |
| New York | 79% | $585K | 33 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Unity Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bergen County, NJ | Mortgage lenders | 94% | 96 | 90 |
| Hudson County, NJ | Mortgage lenders | 98% | 60 | 58 |
| Hunterdon County, NJ | Mortgage lenders | 100% | 23 | 23 |
| Bergen County, NJ | Investment property purchase | 100% | 20 | 20 |
The county markets where Unity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Unity Bank
What is Unity Bank's mortgage approval rate?
Unity Bank approved 92.1% of the 717 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Unity Bank offers?
Borrowers accepted 99% of the loans Unity Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Unity Bank make?
The typical home purchase mortgage loan Unity Bank made was $455K; across all loan types its typical loan ran from $95K to $565K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Unity Bank lend?
Unity Bank decided applications in 10 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and New York.
Can I apply to Unity Bank directly?
Yes. Unity Bank is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Unity Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Unity Bank treats applications, then get a rate quote from the lender.