Lender in New Jersey · HMDA 2025
Unity Bank mortgages in New Jersey
Unity Bank's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Unity Bank originated 245 owner-occupied single-family loans in New Jersey from 260 completed applications.
Its median conventional purchase loan costs were $5,850 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.875% (New Jersey: 6.625%).
Loans in NJ
245
of 260 applications
Denial rate
3.8%
Purchase · NJ 8.4%
Rate spread
+0.59 pts
Conv. · NJ +0.12 pts
Loan amount
$445,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 212 | 203 | 3.8% | 6.875% | +0.59 pts | $5,850 | $445,000 |
| Refinance | 28 | 25 | 10.7% | — | +0.69 pts | $5,640 | $555,000 |
| Cash-out refinance | 20 | 17 | 5.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Unity Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hudson County | 18 | 39 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology