Applications / Mortgage Analytics / Lenders / New Jersey / Kearny Bank
Kearny, NJ · Savings institution · FDIC · $7.6 billion assets · 465 loans in 2025
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465
loans originated, 2025
622
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kearny Bank makes big loans to home buyers, and a third of them go to majority-minority neighborhoods, far more than at similar lenders.
Kearny Bank made 465 loans in 2025, down 13% from 535. Similar lenders, savings institutions making between half and twice as many loans, grew 5%; its change was lower than more than nine in ten of them. In 2020 it made 1,667. The end of the boom in refinancing when rates were low may explain much of that fall: refinances are now just 18.1% of its lending.
Its typical loan was $455,000, against $215,000 at similar lenders, larger than nearly nine in ten of them. Purchases made up 79.8% of its loans, all conventional. Its typical rate, 6.12%, was lower than about nine in ten similar lenders', and none of its loans was higher-priced (a rate well above the average for similar loans).
Majority-minority neighborhoods took 33.1% of its loans, against 6.7% at similar lenders, higher than almost all of them. Low- and moderate-income (LMI) neighborhoods took 24.7%, against 15.1%. LMI borrowers took a smaller share, 20.7%, against 25.9% at its peers; its large loans and focus on home purchases may explain that.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kearny Bank took 622 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.8% · Refinance 18.1% · Home improvement 1.7% · Other 0.4%
Conventional 100.0% · of 465 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 424 | 91.2% |
| New York | 15 | 3.2% |
| Pennsylvania | 8 | 1.7% |
| North Carolina | 5 | 1.1% |
| Florida | 4 | 0.9% |
| Maryland | 3 | 0.6% |
| Minnesota | 3 | 0.6% |
| Massachusetts | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 158 |
| New York-Jersey City-White Plains | 145 |
| Newark | 106 |
| Camden | 12 |
| Trenton-Princeton | 11 |
| Allentown-Bethlehem-Easton | 5 |
| Baltimore-Columbia-Towson | 3 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Atlantic City-Hammonton | 2 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N6U5XCH70TOK35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 633378 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42319 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702319 | 2011–2016 |
| Respondent ID (the HMDA filer code before 2018) | 328765 | 2017–2017 |
Established 1 January 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kearny Bank's data.
Kearny Bank's data
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Kearny Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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