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Kearny Bank

Bank•Kearny, NJHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Kearny Bank — 419 loans across 527 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 24.70 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Kearny Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 24.7 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
399 loans · 0.25% below market
Sound
Top 60% of lenders
3/5
Jumbo
20 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
385 loans · 0.26% below market
Sound
Top 60% of lenders
3/5
Refinance
34 loans · 0.13% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume399
Mix95.2%
Spread
-0.250%Below
Fees
$997Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume20
Mix4.8%
Spread
-0.200%Below
Fees
$1,125Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume385
Mix91.9%
Spread
-0.258%Below
Fees
$1,020Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume34
Mix8.1%
Spread
-0.130%Below
Fees
$826Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
419
Applications
527
Volume
$217 million
Pricing & Closing
Avg Rate Spread
-0.247%
vs. market APOR
Avg Net Fees
$1,004
Origination − Credits
Pullthrough Rate
79.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$518,652
Avg Borrower Income
$205,802
Avg Property Value
$747,267

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11Full-year 2024 · HMDA
11 states with loan originations
Loans originated
All statesNone
Northeast4
MANJNYPA
Midwest1
OH
South6
DEFLGALANCSC

Top Metro Areas by Place Specialization Score

1© Gamezilla2019 · CC BY 4.0
Newark, NJMetro
Volume 118Mix 28.16% of portfolio
78/100
Strong
2© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 138Mix 32.94% of portfolio
78/100
Strong
3© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 121Mix 28.88% of portfolio
71/100
Strong
4© Famartin at English Wikipedia · CC BY 3.0
Trenton, NJMetro
Volume 10Mix 2.39% of portfolio
44/100
Sound
5© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 11Mix 2.63% of portfolio
43/100
Sound

Top States by Place Specialization Score

New Jersey
New Jersey
1
New JerseyState
Volume 402Mix 95.94% of portfolio
85/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.