# Kearny Bank

> **Canonical URL:** https://saferate.com/lenders/kearny-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Kearny Bank is a bank, headquartered in Kearny, NJ, serving borrowers across 11 states, with 419 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300N6U5XCH70TOK35
- **Headquarters:** Kearny, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** DE, FL, GA, LA, MA, NC, NJ, NY, OH, PA, SC
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.247%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,004
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 419
- **Dollar Volume:** $217 million
- **Applications Received:** 527
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $518,652
- **Average Borrower Income:** $205,802
- **Average Property Value:** $747,267

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 399 | -0.250% | $997 | Sound ☺️ |
| Jumbo | 68/100 | 20 | -0.200% | $1,125 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 367 loans, Score: 55/100 (Sound)
- Refinance: 32 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 385 | $198M | -0.258% | Sound ☺️ |
| Refinance | 41/100 | 34 | $19M | -0.130% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 402 | 0.47% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lakewood | NJ | 138 | 78/100 |
| New York | NY-NJ | 121 | 71/100 |
| Newark, NJ | NJ | 118 | 78/100 |
| Camden, NJ | NJ | 11 | 43/100 |
| Trenton | NJ | 10 | 44/100 |

## Where This Lender Ranks

Kearny Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in New Jersey Banks
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks)
- 🥉 **#3** in New Jersey
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders)
- 🥉 **#3** in Lakewood Banks
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks)
- 🥉 **#3** in Newark, NJ Banks
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks)
- 🏆 **#4** in Lakewood
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders)
- 🏆 **#4** in Newark, NJ
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders)
- 🏆 **#6** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks)
- 🏆 **#7** in New Jersey for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in New York
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders)
- 🏆 **#7** in Newark, NJ for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in New Jersey for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Lakewood for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Newark, NJ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Lakewood for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Trenton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Newark, NJ for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in New Jersey for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Lakewood for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Kearny Bank offer?

Kearny Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Kearny Bank offer mortgages?

Kearny Bank offers mortgages in 11 states: DE, FL, GA, LA, MA, NC, NJ, NY, OH, PA, SC.

### How competitive are Kearny Bank's mortgage rates?

Kearny Bank has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.247% below market average.

### What type of lender is Kearny Bank?

Kearny Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kearny, NJ.

### What is Kearny Bank's loan approval success rate?

Kearny Bank has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/kearny-bank

### How to Cite

> "Kearny Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kearny-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/kearny-bank)**