Kearny Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Kearny Bank 2022 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 | 1,430 |
| Total Mortgage Loan Application Amount | $1,790,200,000 |
| Average Mortgage Loan Application Amount | $1,208,400 |
| Highest Mortgage Loan Application Amount | $63,005,000 |
| Average Applicant Income | $203,000 |
| Highest Applicant Income | $3,552,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hudson County New Jersey | 185 | $ 270,515,000 | $ 1,462,000 | $ 220,000 |
| Bergen County New Jersey | 174 | $ 126,660,000 | $ 727,000 | $ 215,000 |
| Monmouth County New Jersey | 137 | $ 93,285,000 | $ 680,000 | $ 249,000 |
| Morris County New Jersey | 111 | $ 93,105,000 | $ 838,000 | $ 241,000 |
| Ocean County New Jersey | 110 | $ 32,400,000 | $ 294,000 | $ 161,000 |
| Essex County New Jersey | 90 | $ 55,970,000 | $ 621,000 | $ 218,000 |
| Union County New Jersey | 88 | $ 76,320,000 | $ 867,000 | $ 248,000 |
| Middlesex County New Jersey | 87 | $ 39,315,000 | $ 451,000 | $ 161,000 |
| Kings County New York | 84 | $ 372,820,000 | $ 4,438,000 | $ 380,000 |
| Somerset County New Jersey | 61 | $ 77,405,000 | $ 1,268,000 | $ 182,000 |
| Passaic County New Jersey | 43 | $ 14,985,000 | $ 348,000 | $ 174,000 |
| Hunterdon County New Jersey | 28 | $ 13,830,000 | $ 493,000 | $ 206,000 |
| New York County New York | 25 | $ 65,555,000 | $ 2,622,000 | $ 363,000 |
| Mercer County New Jersey | 21 | $ 13,235,000 | $ 630,000 | $ 238,000 |
| Queens County New York | 12 | $ 90,470,000 | $ 7,539,000 | $ 280,000 |
| Philadelphia County Pennsylvania | 11 | $ 62,485,000 | $ 5,680,000 | $ 223,000 |
| Bronx County New York | 10 | $ 42,450,000 | $ 4,245,000 | $ 0 |
| Burlington County New Jersey | 9 | $ 45,365,000 | $ 5,040,000 | $ 120,000 |
| Nassau County New York | 8 | $ 5,790,000 | $ 723,000 | $ 326,000 |
| Chester County Pennsylvania | 8 | $ 6,250,000 | $ 781,000 | $ 262,000 |
| Camden County New Jersey | 6 | $ 11,480,000 | $ 1,913,000 | $ 176,000 |
| Cape May County New Jersey | 6 | $ 6,350,000 | $ 1,058,000 | $ 1,888,000 |
| Sussex County New Jersey | 6 | $ 1,480,000 | $ 246,000 | $ 118,000 |
| Warren County New Jersey | 6 | $ 2,070,000 | $ 345,000 | $ 196,000 |
| Suffolk County New York | 6 | $ 4,250,000 | $ 708,000 | $ 298,000 |
| Westchester County New York | 6 | $ 7,340,000 | $ 1,223,000 | $ 221,000 |
| Fairfield County Connecticut | 5 | $ 12,415,000 | $ 2,483,000 | $ 423,000 |
| Montgomery County Pennsylvania | 5 | $ 4,245,000 | $ 849,000 | $ 345,000 |
| Broward County Florida | 4 | $ 1,280,000 | $ 320,000 | $ 179,000 |
| Bucks County Pennsylvania | 4 | $ 2,040,000 | $ 510,000 | $ 297,000 |
| Delaware County Pennsylvania | 4 | $ 3,150,000 | $ 787,000 | $ 388,000 |
| District of Columbia County District Of Columbia | 3 | $ 2,265,000 | $ 755,000 | $ 228,000 |
| Atlantic County New Jersey | 3 | $ 8,785,000 | $ 2,928,000 | $ 369,000 |
| Gloucester County New Jersey | 3 | $ 1,055,000 | $ 351,000 | $ 148,000 |
| Richmond County New York | 3 | $ 1,775,000 | $ 591,000 | $ 176,000 |
| New Castle County Delaware | 2 | $ 53,590,000 | $ 26,795,000 | $ 0 |
| Orange County Florida | 2 | $ 550,000 | $ 275,000 | $ 270,000 |
| Douglas County Georgia | 2 | $ 930,000 | $ 465,000 | $ 141,000 |
| Montgomery County Maryland | 2 | $ 2,030,000 | $ 1,015,000 | $ 336,000 |
| Suffolk County Massachusetts | 2 | $ 1,640,000 | $ 820,000 | $ 0 |
| Rockland County New York | 2 | $ 850,000 | $ 425,000 | $ 176,000 |
| Dauphin County Pennsylvania | 2 | $ 360,000 | $ 180,000 | $ 65,000 |
| Monroe County Pennsylvania | 2 | $ 720,000 | $ 360,000 | $ 316,000 |
| Northampton County Pennsylvania | 2 | $ 10,600,000 | $ 5,300,000 | $ 77,000 |
| Washington County Rhode Island | 2 | $ 1,620,000 | $ 810,000 | $ 0 |
| Fredericksburg County Virginia | 2 | $ 1,340,000 | $ 670,000 | $ 242,000 |
| Alameda County California | 1 | $ 585,000 | $ 585,000 | $ 197,000 |
| New Haven County Connecticut | 1 | $ 655,000 | $ 655,000 | $ 472,000 |
| New London County Connecticut | 1 | $ 655,000 | $ 655,000 | $ 285,000 |
| Lee County Florida | 1 | $ 105,000 | $ 105,000 | $ 178,000 |
| Miami-Dade County Florida | 1 | $ 635,000 | $ 635,000 | $ 450,000 |
| Palm Beach County Florida | 1 | $ 245,000 | $ 245,000 | $ 254,000 |
| Pinellas County Florida | 1 | $ 365,000 | $ 365,000 | $ 165,000 |
| St. Johns County Florida | 1 | $ 235,000 | $ 235,000 | $ 218,000 |
| St. Lucie County Florida | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| DeKalb County Georgia | 1 | $ 595,000 | $ 595,000 | $ 143,000 |
| Barnstable County Massachusetts | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 13,935,000 | $ 13,935,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 1,455,000 | $ 1,455,000 | $ 0 |
| Columbia County New York | 1 | $ 535,000 | $ 535,000 | $ 113,000 |
| Cortland County New York | 1 | $ 5,185,000 | $ 5,185,000 | $ 0 |
| Dutchess County New York | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Essex County New York | 1 | $ 295,000 | $ 295,000 | $ 101,000 |
| Greene County New York | 1 | $ 1,735,000 | $ 1,735,000 | $ 815,000 |
| Orange County New York | 1 | $ 2,555,000 | $ 2,555,000 | $ 0 |
| Yates County New York | 1 | $ 225,000 | $ 225,000 | $ 338,000 |
| Davie County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Gaston County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Henderson County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Johnston County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Mecklenburg County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 274,000 |
| Pender County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Summit County Ohio | 1 | $ 535,000 | $ 535,000 | $ 212,000 |
| Cumberland County Pennsylvania | 1 | $ 10,505,000 | $ 10,505,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 271,000 |
| Lancaster County Pennsylvania | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Georgetown County South Carolina | 1 | $ 485,000 | $ 485,000 | $ 213,000 |
| Rutland County Vermont | 1 | $ 305,000 | $ 305,000 | $ 414,000 |
| Fairfax County Virginia | 1 | $ 695,000 | $ 695,000 | $ 151,000 |
| Frederick County Virginia | 1 | $ 665,000 | $ 665,000 | $ 238,000 |
| Warren County Virginia | 1 | $ 365,000 | $ 365,000 | $ 356,000 |
Mortgage Loan Application Detail Totals for Kearny Bank in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 947 | $731,235,000 | $772,000 | $39,005,000 | $228,000 | $3,552,000 |
| Refinancing | 222 | $973,110,000 | $4,383,000 | $63,005,000 | $211,000 | $1,024,000 |
| Home Improvement | 108 | $12,580,000 | $116,000 | $755,000 | $176,000 | $830,000 |
| Cash-out Refinancing | 104 | $67,020,000 | $644,000 | $2,305,000 | $257,000 | $1,472,000 |
| Other Purpose | 49 | $6,255,000 | $127,000 | $755,000 | $143,000 | $432,000 |
| 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 | 704 | $383,610,000 | $544,000 | $2,305,000 | $232,000 | $1,472,000 |
| Asian | 256 | $177,370,000 | $692,000 | $1,955,000 | $227,000 | $650,000 |
| Not Provided | 155 | $63,225,000 | $407,000 | $2,975,000 | $224,000 | $3,552,000 |
| Not applicable | 139 | $1,080,885,000 | $7,776,000 | $63,005,000 | $0 | $0 |
| Hispanic | 69 | $31,535,000 | $457,000 | $2,235,000 | $152,000 | $586,000 |
| Black or African American | 64 | $28,130,000 | $439,000 | $1,175,000 | $148,000 | $445,000 |
| American Indian or Alaskan Native | 2 | $1,230,000 | $615,000 | $775,000 | $141,000 | $198,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,430 | $1,790,200,000 | $1,251,000 | $63,005,000 | $222,000 | $3,552,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,015 | $1,339,095,000 | $1,319,000 | $63,005,000 | $227,000 | $3,552,000 |
| Application Withdrawn By Applicant | 265 | $330,515,000 | $1,247,000 | $48,505,000 | $229,000 | $1,122,000 |
| Application Denied By Financial Institution | 83 | $42,155,000 | $507,000 | $2,005,000 | $141,000 | $570,000 |
| Loan Purchased By The Institution | 43 | $43,765,000 | $1,017,000 | $2,305,000 | $0 | $0 |
| Application Approved But Not Accepted | 14 | $28,870,000 | $2,062,000 | $11,705,000 | $233,000 | $596,000 |
| File Closed For Incompleteness | 10 | $5,800,000 | $580,000 | $985,000 | $178,000 | $352,000 |
| 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 | 1,347 | $1,748,045,000 | $1,297,000 | $63,005,000 | $227,000 | $3,552,000 |
| Debt-To-Income Ratio | 39 | $19,975,000 | $512,000 | $1,575,000 | $123,000 | $311,000 |
| Other | 16 | $7,140,000 | $446,000 | $2,005,000 | $177,000 | $570,000 |
| Collateral | 12 | $7,560,000 | $630,000 | $1,435,000 | $150,000 | $252,000 |
| Credit History | 9 | $1,795,000 | $199,000 | $515,000 | $131,000 | $213,000 |
| Employment History | 3 | $2,595,000 | $865,000 | $1,525,000 | $41,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,435,000 | $811,000 | $1,075,000 | $281,000 | $344,000 |
| Unverifiable Information | 1 | $655,000 | $655,000 | $655,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kearny Bank's 2022 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.