Unity Bank
Unity Bank is a community-oriented commercial bank providing deposit accounts, loans, and online/mobile banking services through 21 branches across New Jersey and Pennsylvania. The bank serves retail, corporate, and small business customers, originating billions in loans since its founding in 1991.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (11 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Unity Bank ranks #136 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Unity Bank’s 7(a) acquisition lending falls in the $1M-$2M range: 6 loans, 54.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 1 | 9.1% | |
| $500K-$1M | 3 | 27.3% | |
| $1M-$2M | 6 | 54.5% | |
| $2M-$3M | 1 | 9.1% |
Industries with highest loan volume
Full-Service Restaurants
4
loans
$1.2M
avg. amount
Pharmacies and Drug Retailers
2
loans
$2.1M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
1
loans
$450K
avg. amount
Car Washes
1
loans
$1.3M
avg. amount
Beer, Wine, and Liquor Retailers
1
loans
$629K
avg. amount
Caterers
1
loans
$1.2M
avg. amount
General Automotive Repair
1
loans
$1.2M
avg. amount
10-Year
3.7%
Percentile Ranking
93th
93th percentile
Unity Bank’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 0 of the last 2 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.75% |
| $1M-$2M | Prime + 2.13% |
| $2M-$3M | Prime + 1.75% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '20 | Prime + 2.75% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Unity Bank has originated 7(a) acquisition loans in 1 states, most actively in New Jersey (11). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| New Jersey | 11 | 100.0% |
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