Unity Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Unity Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Unity Bank 64 Old Highway 22 Clinton, NJ 08809 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,197 |
| Total Mortgage Loan Application Amount | $503,125,000 |
| Average Mortgage Loan Application Amount | $347,250 |
| Highest Mortgage Loan Application Amount | $4,015,000 |
| Average Applicant Income | $167,750 |
| Highest Applicant Income | $3,230,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Unity Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Unity Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Unity Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Unity Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Unity Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Unity Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen County New Jersey | 240 | $ 123,450,000 | $ 514,000 | $ 201,000 |
| Middlesex County New Jersey | 107 | $ 34,085,000 | $ 318,000 | $ 132,000 |
| Somerset County New Jersey | 94 | $ 34,930,000 | $ 371,000 | $ 162,000 |
| Hunterdon County New Jersey | 92 | $ 32,140,000 | $ 349,000 | $ 172,000 |
| Ocean County New Jersey | 79 | $ 43,845,000 | $ 555,000 | $ 236,000 |
| Hudson County New Jersey | 71 | $ 29,985,000 | $ 422,000 | $ 183,000 |
| Union County New Jersey | 66 | $ 27,750,000 | $ 420,000 | $ 156,000 |
| Monmouth County New Jersey | 53 | $ 25,615,000 | $ 483,000 | $ 171,000 |
| Passaic County New Jersey | 52 | $ 19,220,000 | $ 369,000 | $ 146,000 |
| Northampton County Pennsylvania | 50 | $ 9,710,000 | $ 194,000 | $ 117,000 |
| Essex County New Jersey | 48 | $ 24,500,000 | $ 510,000 | $ 183,000 |
| Morris County New Jersey | 46 | $ 19,030,000 | $ 413,000 | $ 161,000 |
| Warren County New Jersey | 24 | $ 4,960,000 | $ 206,000 | $ 116,000 |
| Lehigh County Pennsylvania | 22 | $ 3,910,000 | $ 177,000 | $ 99,000 |
| Mercer County New Jersey | 12 | $ 3,530,000 | $ 294,000 | $ 145,000 |
| Bucks County Pennsylvania | 10 | $ 4,960,000 | $ 496,000 | $ 109,000 |
| Burlington County New Jersey | 9 | $ 2,015,000 | $ 223,000 | $ 124,000 |
| Sussex County New Jersey | 8 | $ 2,270,000 | $ 283,000 | $ 116,000 |
| Orange County New York | 7 | $ 2,295,000 | $ 327,000 | $ 162,000 |
| Richmond County New York | 7 | $ 5,245,000 | $ 749,000 | $ 255,000 |
| Cape May County New Jersey | 6 | $ 5,230,000 | $ 871,000 | $ 354,000 |
| Nassau County New York | 6 | $ 6,660,000 | $ 1,110,000 | $ 195,000 |
| Camden County New Jersey | 5 | $ 1,315,000 | $ 263,000 | $ 109,000 |
| Greene County New York | 5 | $ 2,085,000 | $ 417,000 | $ 562,000 |
| Suffolk County New York | 5 | $ 2,565,000 | $ 513,000 | $ 145,000 |
| Philadelphia County Pennsylvania | 5 | $ 1,425,000 | $ 285,000 | $ 129,000 |
| Palm Beach County Florida | 4 | $ 2,650,000 | $ 662,000 | $ 426,000 |
| Essex County New York | 4 | $ 2,330,000 | $ 582,000 | $ 429,000 |
| New York County New York | 4 | $ 3,300,000 | $ 825,000 | $ 156,000 |
| Westchester County New York | 4 | $ 2,120,000 | $ 530,000 | $ 190,000 |
| Fairfield County Connecticut | 3 | $ 855,000 | $ 285,000 | $ 134,000 |
| Kings County New York | 3 | $ 1,825,000 | $ 608,000 | $ 88,000 |
| Queens County New York | 3 | $ 2,075,000 | $ 691,000 | $ 95,000 |
| Rockland County New York | 3 | $ 1,445,000 | $ 481,000 | $ 465,000 |
| Lackawanna County Pennsylvania | 3 | $ 635,000 | $ 211,000 | $ 85,000 |
| Monroe County Pennsylvania | 3 | $ 895,000 | $ 298,000 | $ 137,000 |
| Horry County South Carolina | 3 | $ 695,000 | $ 231,000 | $ 132,000 |
| Bronx County New York | 2 | $ 950,000 | $ 475,000 | $ 105,000 |
| Carbon County Pennsylvania | 2 | $ 600,000 | $ 300,000 | $ 111,000 |
| Chester County Pennsylvania | 2 | $ 890,000 | $ 445,000 | $ 92,000 |
| Montgomery County Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 150,000 |
| New Castle County Delaware | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Sussex County Delaware | 1 | $ 405,000 | $ 405,000 | $ 86,000 |
| Alachua County Florida | 1 | $ 265,000 | $ 265,000 | $ 117,000 |
| Brevard County Florida | 1 | $ 195,000 | $ 195,000 | $ 538,000 |
| Broward County Florida | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
| Charlotte County Florida | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Collier County Florida | 1 | $ 305,000 | $ 305,000 | $ 188,000 |
| Martin County Florida | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 315,000 | $ 315,000 | $ 442,000 |
| Osceola County Florida | 1 | $ 425,000 | $ 425,000 | $ 506,000 |
| Pinellas County Florida | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| St. Johns County Florida | 1 | $ 795,000 | $ 795,000 | $ 360,000 |
| Atlantic County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Dutchess County New York | 1 | $ 515,000 | $ 515,000 | $ 298,000 |
| Oneida County New York | 1 | $ 395,000 | $ 395,000 | $ 350,000 |
| Saratoga County New York | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Sullivan County New York | 1 | $ 365,000 | $ 365,000 | $ 61,000 |
| Ulster County New York | 1 | $ 415,000 | $ 415,000 | $ 295,000 |
| Berks County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Dauphin County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 167,000 |
| Delaware County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Luzerne County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 170,000 |
| Bennington County Vermont | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Unity Bank in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 520 | $248,750,000 | $478,000 | $4,015,000 | $172,000 | $3,230,000 |
| Refinancing | 467 | $166,135,000 | $355,000 | $3,245,000 | $165,000 | $929,000 |
| Cash-out Refinancing | 203 | $87,355,000 | $430,000 | $3,925,000 | $203,000 | $1,972,000 |
| Other Purpose | 7 | $885,000 | $126,000 | $205,000 | $131,000 | $215,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 765 | $334,785,000 | $437,000 | $4,015,000 | $187,000 | $3,230,000 |
| Asian | 243 | $95,575,000 | $393,000 | $3,885,000 | $155,000 | $466,000 |
| Hispanic | 79 | $27,985,000 | $354,000 | $985,000 | $138,000 | $543,000 |
| Not Provided | 60 | $23,120,000 | $385,000 | $825,000 | $146,000 | $471,000 |
| Black or African American | 36 | $13,180,000 | $366,000 | $945,000 | $168,000 | $929,000 |
| Not applicable | 5 | $5,635,000 | $1,127,000 | $3,245,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,187 | $500,015,000 | $421,000 | $4,015,000 | $175,000 | $3,230,000 |
| FHA-insured (Federal Housing Administration) | 10 | $3,110,000 | $311,000 | $485,000 | $93,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 932 | $386,200,000 | $414,000 | $4,015,000 | $177,000 | $3,230,000 |
| File Closed For Incompleteness | 151 | $58,945,000 | $390,000 | $1,335,000 | $162,000 | $737,000 |
| Application Withdrawn By Applicant | 76 | $42,950,000 | $565,000 | $3,925,000 | $200,000 | $1,972,000 |
| Application Denied By Financial Institution | 33 | $14,035,000 | $425,000 | $2,045,000 | $102,000 | $407,000 |
| Application Approved But Not Accepted | 5 | $995,000 | $199,000 | $305,000 | $145,000 | $261,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,164 | $489,090,000 | $420,000 | $4,015,000 | $176,000 | $3,230,000 |
| Debt-To-Income Ratio | 14 | $7,280,000 | $520,000 | $2,045,000 | $103,000 | $407,000 |
| Credit History | 8 | $2,580,000 | $322,000 | $525,000 | $91,000 | $167,000 |
| Unverifiable Information | 5 | $1,995,000 | $399,000 | $725,000 | $110,000 | $170,000 |
| Collateral | 4 | $960,000 | $240,000 | $265,000 | $86,000 | $121,000 |
| Other | 2 | $1,220,000 | $610,000 | $745,000 | $146,000 | $233,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Unity Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Unity Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.