Kearny Bank
Kearny Bank received 622 applications in 2025 and made 465 mortgages, in 55 counties across 12 states. The median rate its borrowers got was 6.125% on a median loan of $455,000. Of 505 decisions, 36 were denials — 7.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300N6U5XCH70TOK35 |
|---|---|
| Applications received | 622 |
| Mortgages made | 465 |
| Denied | 36 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 117 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | -0.276 points |
| FDIC-insured bank | Yes: Kearny Bank, 40 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 371 | 6.125% | $455,000 | 6.5% |
| Refinancing | 67 | 6.125% | $530,000 | 5.6% |
| Cash-out refinancing | 17 | 6.625% | $375,000 | 10.5% |
| Other purposes | 10 | 6.500% | $230,000 | 28.6% |
Where Kearny Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hudson County, NJ | 83 | 5.875% | 4.6% |
| Monmouth County, NJ | 60 | 6.250% | 10.3% |
| Bergen County, NJ | 41 | 6.375% | 4.7% |
| Morris County, NJ | 39 | 6.125% | 7.1% |
| Ocean County, NJ | 39 | 6.000% | 7.1% |
| Essex County, NJ | 35 | 6.250% | 5.3% |
| Middlesex County, NJ | 32 | 6.188% | 17.5% |
| Somerset County, NJ | 27 | 5.990% | 0.0% |
| Union County, NJ | 16 | 5.813% | 11.1% |
| Mercer County, NJ | 11 | 5.625% | 0.0% |
| Hunterdon County, NJ | 9 | Under 10 loans | 0.0% |
| Passaic County, NJ | 9 | Under 10 loans | 10.0% |
| Sussex County, NJ | 7 | Under 10 loans | 0.0% |
| Burlington County, NJ | 5 | Under 10 loans | 0.0% |
| Camden County, NJ | 5 | Under 10 loans | 0.0% |
| Queens County, NY | 5 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Kings County, NY | 3 | Under 10 loans | 40.0% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 2 | Under 10 loans | 33.3% |
| Warren County, NJ | 2 | Under 10 loans | 0.0% |
| Rockland County, NY | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Bronx County, NY | 1 | Under 10 loans | 0.0% |
| Delaware County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Westchester County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Columbus County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Pike County, PA | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| New Kent County, VA | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 0 | Under 10 loans | Not published |
Get told when this changes
When Kearny Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.