Kearny Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd7.1% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.28 ptsProcesswithdrawn + incomplete share, weight 15%
22nd18.8%Closing coststotal loan costs ÷ loan amount, weight 10%
84th1.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 623 | 433 | 4.3% | 5.8% | 6.13% | $230M |
| 2024 | 684 | 535 | 5.7% | 6.8% | 6.49% | $375M |
| 2025 | 622 | 465 | 5.8% | 7.1% | 6.13% | $295M |
What Kearny Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 122 investment properties.
Why Kearny Bank denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Kearny Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 82 | 66 | 14.3% |
| $100k – $150k | 130 | 100 | 6.5% |
| $150k – $250k | 184 | 132 | 5.0% |
| Over $250k | 147 | 109 | 2.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 223 | 166 | 5.7% |
| 35–44 | 157 | 110 | 8.3% |
| 45–54 | 85 | 61 | 8.7% |
| 55–64 | 62 | 53 | 7.0% |
| 65–74 | 21 | 17 | 5.6% |
Where Kearny Bank lends
12 states and 55 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 568 | 424 | 5.6% | 6.13% | #106 |
| New York | 20 | 15 | 10.0% | 6.50% | #412 |
| Pennsylvania | 9 | 8 | 0.0% | 6.49% | #698 |
| Florida | 6 | 4 | 16.7% | 6.50% | #1,055 |
| North Carolina | 5 | 5 | 0.0% | 6.25% | #749 |
Frequently asked questions
Kearny Bank denied 7.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of small mortgage lenders.
The most common reason Kearny Bank gave in 2025 was "debt-to-income ratio", cited on 36.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Kearny Bank originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 81% of its applications were for home purchases, 17% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.