Kearny Bank mortgage approval rate & lending review
Kearny Bank decided 1,424 mortgage applications and funded 1,327 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kearny Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kearny Bank at a glance
Approval is 8.9 points above the 85.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,001 / 1,050 | 99% | $445K | 994 |
| Home improvement loans | 85% | 40 / 47 | 95% | $105K | 38 |
| Cash-out refinance | 96% | 43 / 45 | 100% | $365K | 43 |
| Refinance | 99% | 80 / 81 | 99% | $505K | 79 |
| Investment property purchase | 89% | 139 / 157 | 100% | $445K | 139 |
Kearny Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 94% | $445K | 1,336 | 1,249 |
| New York | 81% | $455K | 32 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Kearny Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hudson County, NJ | Mortgage lenders | 96% | 163 | 157 |
| Bergen County, NJ | Mortgage lenders | 98% | 111 | 109 |
| Monmouth County, NJ | Mortgage lenders | 91% | 114 | 103 |
| Morris County, NJ | Mortgage lenders | 95% | 108 | 103 |
| Essex County, NJ | Mortgage lenders | 96% | 80 | 75 |
| Somerset County, NJ | Mortgage lenders | 100% | 69 | 68 |
| Union County, NJ | Mortgage lenders | 96% | 68 | 65 |
| Hunterdon County, NJ | Mortgage lenders | 94% | 34 | 32 |
| Hudson County, NJ | Investment property purchase | 90% | 31 | 28 |
| Monmouth County, NJ | Investment property purchase | 95% | 20 | 19 |
The county markets where Kearny Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Kearny Bank
What is Kearny Bank's mortgage approval rate?
Kearny Bank approved 93.9% of the 1,424 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan Kearny Bank offers?
Borrowers accepted 99% of the loans Kearny Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Kearny Bank make?
The typical home purchase mortgage loan Kearny Bank made was $445K; across all loan types its typical loan ran from $105K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kearny Bank lend?
Kearny Bank decided applications in 17 of the states Fat Boy Data covers, most of them in New Jersey, New York and Pennsylvania.
Can I apply to Kearny Bank directly?
Yes. Kearny Bank is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kearny Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Kearny Bank treats applications, then get a rate quote from the lender.