SBA lender profile
Unity Bank
Unity Bank appears in the public SBA loan data with 555 funded 7(a) loans since FY2010, totaling $405.0M, an average of $730K per loan, and an estimated 6,042 jobs supported. Its SBA lending concentrates in New Jersey and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.1%. 67.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 72
- Scale 86
- Activity 77
- Consistency 85
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Unity Bank the right lender for you?
Lenders fund what they know. Unity Bank's SBA lending concentrates in New Jersey (337 loans) and Accommodation and Food Services (128 loans), at an average loan of $730K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $7M
- Headquarters
- Dayton, OH
- FDIC cert
- #20229
- Status
- Inactive
Where Unity Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New Jersey | 337 | $297.5M |
| New York | 41 | $44.9M |
| Pennsylvania | 45 | $40.3M |
| Minnesota | 103 | $14.3M |
| Connecticut | 1 | $2.7M |
| Montana | 15 | $2.5M |
Metro areas where Unity Bank funds
What Unity Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 128 | $126.0M |
| Retail Trade | 103 | $69.5M |
| Other Services | 58 | $48.5M |
| Health Care and Social Assistance | 56 | $36.0M |
| Arts, Entertainment, Recreation | 33 | $33.5M |
| Manufacturing | 40 | $19.5M |
Unity Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 49 | $12.4M |
| 2011 | 58 | $29.5M |
| 2012 | 52 | $14.1M |
| 2013 | 21 | $9.6M |
| 2014 | 37 | $18.1M |
| 2015 | 54 | $50.7M |
| 2016 | 62 | $50.3M |
| 2017 | 43 | $28.1M |
| 2018 | 31 | $33.2M |
| 2019 | 19 | $17.4M |
| 2020 | 19 | $27.2M |
| 2021 | 45 | $58.1M |
| 2022 | 17 | $14.2M |
| 2023 | 17 | $12.3M |
| 2024 | 7 | $7.2M |
| 2025 | 19 | $13.3M |
| 2026 | 5 | $9.2M |
Related SBA lenders
Other lenders active in New Jersey or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Unity Bank: frequently asked questions
Does Unity Bank offer SBA loans?
Yes. Unity Bank appears in the public SBA data with 555 funded SBA 7(a) loans totaling $405.0M.
How many SBA loans has Unity Bank made?
Unity Bank is associated with 555 SBA 7(a) loans totaling $405.0M in the public SBA data (as of 2026-03-31).
What is Unity Bank's SBA charge-off rate?
About 3.1% of Unity Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Unity Bank do most of its SBA lending?
Unity Bank's SBA lending in the data is most concentrated in New Jersey, and by industry in Accommodation and Food Services.
Is Unity Bank an SBA Preferred Lender (PLP)?
The loan record shows Unity Bank operating under PLP delegated authority: 372 of its 7(a) loans (67.0%) were processed through the Preferred Lenders Program, including 24 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Unity Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/unity-bank/
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