Kearny Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Kearny Bank 2023 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 | 758 |
| Total Mortgage Loan Application Amount | $386,670,000 |
| Average Mortgage Loan Application Amount | $461,800 |
| Highest Mortgage Loan Application Amount | $8,505,000 |
| Average Applicant Income | $185,800 |
| Highest Applicant Income | $2,220,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 90 | $ 40,010,000 | $ 444,000 | $ 180,000 |
| Hudson County New Jersey | 85 | $ 43,655,000 | $ 513,000 | $ 218,000 |
| Morris County New Jersey | 70 | $ 35,130,000 | $ 501,000 | $ 216,000 |
| Monmouth County New Jersey | 62 | $ 30,140,000 | $ 486,000 | $ 220,000 |
| Union County New Jersey | 47 | $ 23,815,000 | $ 506,000 | $ 216,000 |
| Essex County New Jersey | 41 | $ 21,315,000 | $ 519,000 | $ 196,000 |
| Ocean County New Jersey | 40 | $ 14,910,000 | $ 372,000 | $ 159,000 |
| Middlesex County New Jersey | 34 | $ 14,370,000 | $ 422,000 | $ 250,000 |
| Somerset County New Jersey | 27 | $ 13,485,000 | $ 499,000 | $ 216,000 |
| Suffolk County New York | 24 | $ 15,170,000 | $ 632,000 | $ 684,000 |
| Passaic County New Jersey | 21 | $ 8,065,000 | $ 384,000 | $ 172,000 |
| Nassau County New York | 20 | $ 10,690,000 | $ 534,000 | $ 372,000 |
| Hunterdon County New Jersey | 19 | $ 9,095,000 | $ 478,000 | $ 181,000 |
| Mercer County New Jersey | 9 | $ 3,605,000 | $ 400,000 | $ 187,000 |
| Sussex County New Jersey | 6 | $ 1,730,000 | $ 288,000 | $ 113,000 |
| Kings County New York | 6 | $ 7,240,000 | $ 1,206,000 | $ 294,000 |
| Queens County New York | 6 | $ 16,850,000 | $ 2,808,000 | $ 101,000 |
| Camden County New Jersey | 5 | $ 1,625,000 | $ 325,000 | $ 133,000 |
| Rockland County New York | 5 | $ 2,175,000 | $ 435,000 | $ 129,000 |
| Hartford County Connecticut | 4 | $ 1,840,000 | $ 460,000 | $ 191,000 |
| Warren County New Jersey | 4 | $ 970,000 | $ 242,000 | $ 71,000 |
| Bronx County New York | 4 | $ 13,250,000 | $ 3,312,000 | $ 0 |
| New York County New York | 4 | $ 2,460,000 | $ 615,000 | $ 292,000 |
| Westchester County New York | 4 | $ 2,040,000 | $ 510,000 | $ 482,000 |
| Philadelphia County Pennsylvania | 4 | $ 8,650,000 | $ 2,162,000 | $ 210,000 |
| Fairfield County Connecticut | 3 | $ 935,000 | $ 311,000 | $ 156,000 |
| DuPage County Illinois | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Atlantic County New Jersey | 3 | $ 955,000 | $ 318,000 | $ 85,000 |
| Burlington County New Jersey | 3 | $ 775,000 | $ 258,000 | $ 101,000 |
| Cape May County New Jersey | 3 | $ 945,000 | $ 315,000 | $ 332,000 |
| Bernalillo County New Mexico | 3 | $ 755,000 | $ 251,000 | $ 0 |
| Northampton County Pennsylvania | 3 | $ 2,575,000 | $ 858,000 | $ 100,000 |
| District of Columbia County District Of Columbia | 2 | $ 430,000 | $ 215,000 | $ 143,000 |
| Yellowstone County Montana | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Richmond County New York | 2 | $ 1,190,000 | $ 595,000 | $ 169,000 |
| Chester County Pennsylvania | 2 | $ 1,300,000 | $ 650,000 | $ 156,000 |
| Delaware County Pennsylvania | 2 | $ 2,960,000 | $ 1,480,000 | $ 980,000 |
| Denton County Texas | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Tarrant County Texas | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Travis County Texas | 2 | $ 960,000 | $ 480,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Marshall County Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Tallapoosa County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Weld County Colorado | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 445,000 | $ 445,000 | $ 323,000 |
| Sussex County Delaware | 1 | $ 195,000 | $ 195,000 | $ 169,000 |
| Duval County Florida | 1 | $ 335,000 | $ 335,000 | $ 143,000 |
| Hillsborough County Florida | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Palm Beach County Florida | 1 | $ 355,000 | $ 355,000 | $ 123,000 |
| St. Johns County Florida | 1 | $ 725,000 | $ 725,000 | $ 255,000 |
| Gordon County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Hall County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Jackson County Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Newton County Georgia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Kane County Illinois | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Will County Illinois | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Hancock County Indiana | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Johnson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Jessamine County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Washington County Maine | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Barnstable County Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 530,000 |
| Middlesex County Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Kent County Michigan | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Macomb County Michigan | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Oakland County Michigan | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Anoka County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Carver County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Washington County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jackson County Missouri | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Grafton County New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Broome County New York | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Dutchess County New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Onondaga County New York | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Orange County New York | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Putnam County New York | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Ulster County New York | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 281,000 |
| Clermont County Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Defiance County Ohio | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Franklin County Ohio | 1 | $ 405,000 | $ 405,000 | $ 137,000 |
| Lorain County Ohio | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Muskingum County Ohio | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Stark County Ohio | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Blair County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
| Bucks County Pennsylvania | 1 | $ 575,000 | $ 575,000 | $ 119,000 |
| Columbia County Pennsylvania | 1 | $ 6,755,000 | $ 6,755,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Lancaster County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| York County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 185,000 | $ 185,000 | $ 270,000 |
| Dorchester County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Greenville County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Horry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Richland County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Grainger County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Greene County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Ellis County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Erath County Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Guadalupe County Texas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Harris County Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Caroline County Virginia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 715,000 | $ 715,000 | $ 134,000 |
| Hanover County Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Henrico County Virginia | 1 | $ 295,000 | $ 295,000 | $ 65,000 |
| Montgomery County Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Roanoke County Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Kearny Bank in 2023
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 | 635 | $336,695,000 | $530,000 | $7,505,000 | $210,000 | $980,000 |
| Cash-out Refinancing | 42 | $19,900,000 | $473,000 | $3,755,000 | $286,000 | $2,220,000 |
| Home Improvement | 31 | $3,735,000 | $120,000 | $665,000 | $131,000 | $437,000 |
| Other Purpose | 29 | $5,095,000 | $175,000 | $1,005,000 | $137,000 | $421,000 |
| Refinancing | 21 | $21,245,000 | $1,011,000 | $8,505,000 | $165,000 | $325,000 |
| 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 | 423 | $179,835,000 | $425,000 | $1,995,000 | $208,000 | $791,000 |
| Asian | 135 | $71,895,000 | $532,000 | $2,735,000 | $212,000 | $980,000 |
| Not Provided | 86 | $42,940,000 | $499,000 | $3,755,000 | $232,000 | $2,220,000 |
| Black or African American | 45 | $18,385,000 | $408,000 | $1,525,000 | $151,000 | $443,000 |
| Hispanic | 37 | $13,505,000 | $365,000 | $885,000 | $180,000 | $745,000 |
| Not applicable | 19 | $53,435,000 | $2,812,000 | $8,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $820,000 | $410,000 | $565,000 | $208,000 | $208,000 |
| 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) | 758 | $386,670,000 | $510,000 | $8,505,000 | $207,000 | $2,220,000 |
| 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 | 433 | $229,665,000 | $530,000 | $7,505,000 | $200,000 | $791,000 |
| Application Withdrawn By Applicant | 152 | $88,390,000 | $581,000 | $8,505,000 | $231,000 | $980,000 |
| Loan Purchased By The Institution | 135 | $49,255,000 | $364,000 | $1,115,000 | $0 | $0 |
| Application Denied By Financial Institution | 27 | $12,655,000 | $468,000 | $3,755,000 | $198,000 | $2,220,000 |
| File Closed For Incompleteness | 6 | $2,750,000 | $458,000 | $635,000 | $195,000 | $337,000 |
| Application Approved But Not Accepted | 5 | $3,955,000 | $791,000 | $2,575,000 | $132,000 | $193,000 |
| 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 | 731 | $374,015,000 | $511,000 | $8,505,000 | $207,000 | $980,000 |
| Collateral | 10 | $6,630,000 | $663,000 | $3,755,000 | $340,000 | $2,220,000 |
| Debt-To-Income Ratio | 6 | $2,900,000 | $483,000 | $1,165,000 | $80,000 | $240,000 |
| Credit History | 5 | $865,000 | $173,000 | $375,000 | $141,000 | $170,000 |
| Unverifiable Information | 3 | $1,165,000 | $388,000 | $745,000 | $0 | $0 |
| Employment History | 2 | $730,000 | $365,000 | $505,000 | $0 | $0 |
| Other | 1 | $365,000 | $365,000 | $365,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2023 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.