Kearny Bank in New Jersey vs the state
5.6%Denial rate-12.06 pts vs state
7.0%Decision denial rate-16.08 pts vs state
74.7%Origination rate+18.97 pts vs state
6.13%Median rate-0.63 pts vs state
-0.30Rate spread (pts)-0.58 pts vs state
$170kMedian applicant income
424Loans originated
32Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 563 | 394 | 4.1% | 6.13% | #90 |
| 2024 | 627 | 491 | 5.6% | 6.38% | #92 |
| 2025 | 568 | 424 | 5.6% | 6.13% | #106 |
What Kearny Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Kearny Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hudson County | 116 | 83 | 4 | 3.4% |
| Monmouth County | 75 | 60 | 7 | 9.3% |
| Bergen County | 54 | 41 | 2 | 3.7% |
| Morris County | 51 | 39 | 3 | 5.9% |
| Middlesex County | 50 | 32 | 7 | 14.0% |
| Ocean County | 48 | 39 | 3 | 6.3% |
| Essex County | 44 | 35 | 2 | 4.5% |
| Somerset County | 32 | 27 | 0 | 0.0% |
| Union County | 24 | 16 | 2 | 8.3% |
| Passaic County | 18 | 9 | 1 | 5.6% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 568 applications in 2025, of which 424 were originated and 32 denied.
5.6% of all applications, or 7.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Kearny Bank originated in New Jersey in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Kearny Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology