Kearny Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Kearny Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Kearny Bank 120 Passaic Avenue Kearny, NJ 07004 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 2,166 |
| Total Mortgage Loan Application Amount | $1,416,760,000 |
| Average Mortgage Loan Application Amount | $460,000 |
| Highest Mortgage Loan Application Amount | $24,005,000 |
| Average Applicant Income | $209,200 |
| Highest Applicant Income | $5,956,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Kearny Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Kearny Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Kearny Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Kearny Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Kearny Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Kearny Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen County New Jersey | 396 | $ 241,440,000 | $ 609,000 | $ 222,000 |
| Monmouth County New Jersey | 255 | $ 157,825,000 | $ 618,000 | $ 304,000 |
| Morris County New Jersey | 201 | $ 101,645,000 | $ 505,000 | $ 223,000 |
| Essex County New Jersey | 169 | $ 90,255,000 | $ 534,000 | $ 245,000 |
| Ocean County New Jersey | 141 | $ 48,065,000 | $ 340,000 | $ 198,000 |
| Hudson County New Jersey | 125 | $ 82,365,000 | $ 658,000 | $ 248,000 |
| Somerset County New Jersey | 125 | $ 65,225,000 | $ 521,000 | $ 206,000 |
| Union County New Jersey | 114 | $ 63,070,000 | $ 553,000 | $ 239,000 |
| Middlesex County New Jersey | 91 | $ 33,985,000 | $ 373,000 | $ 155,000 |
| Passaic County New Jersey | 86 | $ 28,360,000 | $ 329,000 | $ 138,000 |
| Kings County New York | 49 | $ 108,855,000 | $ 2,221,000 | $ 305,000 |
| Hunterdon County New Jersey | 35 | $ 14,335,000 | $ 409,000 | $ 181,000 |
| Dukes County Massachusetts | 34 | $ 11,420,000 | $ 335,000 | $ 0 |
| Mercer County New Jersey | 30 | $ 18,260,000 | $ 608,000 | $ 229,000 |
| Queens County New York | 19 | $ 12,515,000 | $ 658,000 | $ 197,000 |
| Richmond County New York | 19 | $ 11,405,000 | $ 600,000 | $ 119,000 |
| Sussex County New Jersey | 18 | $ 6,100,000 | $ 338,000 | $ 172,000 |
| Cape May County New Jersey | 17 | $ 12,155,000 | $ 715,000 | $ 291,000 |
| Bronx County New York | 17 | $ 67,025,000 | $ 3,942,000 | $ 0 |
| Nassau County New York | 17 | $ 17,115,000 | $ 1,006,000 | $ 455,000 |
| Bucks County Pennsylvania | 16 | $ 15,290,000 | $ 955,000 | $ 331,000 |
| Westchester County New York | 15 | $ 13,515,000 | $ 901,000 | $ 279,000 |
| Philadelphia County Pennsylvania | 15 | $ 52,205,000 | $ 3,480,000 | $ 165,000 |
| Atlantic County New Jersey | 13 | $ 7,165,000 | $ 551,000 | $ 162,000 |
| Chester County Pennsylvania | 13 | $ 9,745,000 | $ 749,000 | $ 206,000 |
| Delaware County Pennsylvania | 12 | $ 8,450,000 | $ 704,000 | $ 251,000 |
| Camden County New Jersey | 11 | $ 5,075,000 | $ 461,000 | $ 196,000 |
| Warren County New Jersey | 11 | $ 3,345,000 | $ 304,000 | $ 227,000 |
| Montgomery County Pennsylvania | 11 | $ 8,305,000 | $ 755,000 | $ 172,000 |
| Suffolk County New York | 10 | $ 11,520,000 | $ 1,152,000 | $ 343,000 |
| Barnstable County Massachusetts | 9 | $ 2,825,000 | $ 313,000 | $ 0 |
| Burlington County New Jersey | 9 | $ 3,985,000 | $ 442,000 | $ 249,000 |
| Fairfield County Connecticut | 6 | $ 19,890,000 | $ 3,315,000 | $ 241,000 |
| New York County New York | 6 | $ 15,910,000 | $ 2,651,000 | $ 346,000 |
| Rockland County New York | 6 | $ 5,740,000 | $ 956,000 | $ 129,000 |
| Orange County New York | 4 | $ 5,050,000 | $ 1,262,000 | $ 226,000 |
| Northampton County Pennsylvania | 4 | $ 4,020,000 | $ 1,005,000 | $ 112,000 |
| Lee County Florida | 3 | $ 815,000 | $ 271,000 | $ 473,000 |
| Sullivan County New York | 3 | $ 885,000 | $ 295,000 | $ 459,000 |
| Pike County Pennsylvania | 3 | $ 765,000 | $ 255,000 | $ 177,000 |
| Nantucket County Massachusetts | 2 | $ 2,420,000 | $ 1,210,000 | $ 1,500,000 |
| Berks County Pennsylvania | 2 | $ 3,770,000 | $ 1,885,000 | $ 213,000 |
| Madison County Alabama | 1 | $ 195,000 | $ 195,000 | $ 122,000 |
| Litchfield County Connecticut | 1 | $ 1,235,000 | $ 1,235,000 | $ 454,000 |
| Middlesex County Connecticut | 1 | $ 695,000 | $ 695,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 225,000 | $ 225,000 | $ 409,000 |
| Kent County Delaware | 1 | $ 11,105,000 | $ 11,105,000 | $ 0 |
| Collier County Florida | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Manatee County Florida | 1 | $ 265,000 | $ 265,000 | $ 448,000 |
| Palm Beach County Florida | 1 | $ 505,000 | $ 505,000 | $ 49,000 |
| Montgomery County Maryland | 1 | $ 435,000 | $ 435,000 | $ 424,000 |
| Plymouth County Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 935,000 | $ 935,000 | $ 210,000 |
| Cumberland County New Jersey | 1 | $ 2,925,000 | $ 2,925,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Dutchess County New York | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Saratoga County New York | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Ulster County New York | 1 | $ 545,000 | $ 545,000 | $ 281,000 |
| Brunswick County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 301,000 |
| Carteret County North Carolina | 1 | $ 455,000 | $ 455,000 | $ 230,000 |
| Adams County Pennsylvania | 1 | $ 615,000 | $ 615,000 | $ 302,000 |
| Lehigh County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Potter County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 389,000 |
| Wayne County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 529,000 |
| Georgetown County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 127,000 |
| Windham County Vermont | 1 | $ 195,000 | $ 195,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Kearny Bank in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 987 | $699,755,000 | $708,000 | $24,005,000 | $238,000 | $2,276,000 |
| Home Purchase | 745 | $536,455,000 | $720,000 | $17,175,000 | $246,000 | $5,956,000 |
| Cash-out Refinancing | 351 | $164,095,000 | $467,000 | $5,005,000 | $195,000 | $1,314,000 |
| Home Improvement | 51 | $9,335,000 | $183,000 | $1,005,000 | $186,000 | $1,258,000 |
| Other Purpose | 32 | $7,120,000 | $222,000 | $1,255,000 | $181,000 | $971,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,505 | $759,655,000 | $504,000 | $4,025,000 | $238,000 | $5,956,000 |
| Asian | 307 | $188,885,000 | $615,000 | $1,955,000 | $225,000 | $1,100,000 |
| Not applicable | 116 | $360,150,000 | $3,104,000 | $24,005,000 | $0 | $0 |
| Hispanic | 102 | $45,370,000 | $444,000 | $1,505,000 | $182,000 | $1,048,000 |
| Not Provided | 73 | $33,575,000 | $459,000 | $1,925,000 | $210,000 | $1,258,000 |
| Black or African American | 34 | $11,100,000 | $326,000 | $1,085,000 | $152,000 | $405,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,380,000 | $690,000 | $965,000 | $235,000 | $235,000 |
| American Indian or Alaskan Native | 2 | $1,790,000 | $895,000 | $905,000 | $248,000 | $248,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,162 | $1,414,820,000 | $654,000 | $24,005,000 | $231,000 | $5,956,000 |
| FHA-insured (Federal Housing Administration) | 4 | $1,940,000 | $485,000 | $535,000 | $92,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,606 | $1,044,630,000 | $650,000 | $24,005,000 | $226,000 | $2,276,000 |
| Application Withdrawn By Applicant | 306 | $199,860,000 | $653,000 | $10,675,000 | $269,000 | $5,956,000 |
| Loan Purchased By The Institution | 129 | $87,475,000 | $678,000 | $1,495,000 | $0 | $0 |
| Application Denied By Financial Institution | 81 | $51,385,000 | $634,000 | $3,455,000 | $156,000 | $1,095,000 |
| File Closed For Incompleteness | 33 | $22,815,000 | $691,000 | $5,005,000 | $285,000 | $1,500,000 |
| Application Approved But Not Accepted | 11 | $10,595,000 | $963,000 | $3,405,000 | $226,000 | $500,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,085 | $1,365,375,000 | $654,000 | $24,005,000 | $234,000 | $5,956,000 |
| Debt-To-Income Ratio | 41 | $16,805,000 | $409,000 | $1,755,000 | $117,000 | $330,000 |
| Collateral | 12 | $8,530,000 | $710,000 | $1,235,000 | $340,000 | $1,095,000 |
| Other | 8 | $4,670,000 | $583,000 | $1,225,000 | $190,000 | $360,000 |
| Credit History | 8 | $2,550,000 | $318,000 | $655,000 | $116,000 | $184,000 |
| Unverifiable Information | 6 | $9,950,000 | $1,658,000 | $3,325,000 | $93,000 | $111,000 |
| Credit Application Incomplete | 2 | $6,860,000 | $3,430,000 | $3,455,000 | $0 | $0 |
| Employment History | 2 | $440,000 | $220,000 | $335,000 | $74,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,580,000 | $790,000 | $1,405,000 | $210,000 | $325,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kearny Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kearny Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.