Kearny Bank in New York vs the state
10.0%Denial rate-9.75 pts vs state
11.8%Decision denial rate-12.28 pts vs state
75.0%Origination rate+15.41 pts vs state
6.50%Median rate-0.13 pts vs state
-0.33Rate spread (pts)-0.54 pts vs state
$185kMedian applicant income
15Loans originated
2Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 17 | 10.7% | 6.25% | #366 |
| 2024 | 20 | 11 | 10.0% | 6.50% | #389 |
| 2025 | 20 | 15 | 10.0% | 6.50% | #412 |
What Kearny Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Kearny Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 7 | 3 | 2 | 28.6% |
| Queens County | 5 | 5 | 0 | 0.0% |
| Rockland County | 2 | 2 | 0 | 0.0% |
| Delaware County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| New York County | 1 | 0 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Westchester County | 1 | 1 | 0 | 0.0% |
| Bronx County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 20 applications in 2025, of which 15 were originated and 2 denied.
10.0% of all applications, or 11.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Kearny Bank originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kearny Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology