Kearny Bank Mortgage Rates, Fees & Info

Kearny, NJ

LEI: 549300N6U5XCH70TOK35

Tax ID: 22-1032860

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Kearny Bank is a small bank specializing in Refi and Home Purchase loans. Kearny Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Bridgeport, Trenton, and Dover among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Kearny Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Kearny Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.63% 4/21/24
    30 Year Conventional Refi 6.04% 4/21/24
    30 Year Cash-out Refi 6.24% 4/21/24
    15 Year Conventional Purchase 5.44% 4/21/24
    15 Year Conventional Refi 5.72% 4/21/24
    15 Year Cash-out Refi 5.72% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Kearny Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Kearny Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,606

    Origination Dollar Volume (All Markets)

    $1,044,630,000

    Employee count

    541 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,485 $901,935,000 $607,364 $4,125 2.83%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 41 $68,175,000 $1,662,805 $4,561 3.12%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 5 $19,605,000 $3,921,000 $3,562 2.95%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 24 $15,500,000 $645,833 $4,529 2.74%
    DOVER, DE (FHA|USDA|VA) 1 $11,105,000 $11,105,000 $0 2.88%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $7,095,000 $473,000 $4,094 3.09%
    OCEAN CITY, NJ (FHA|USDA|VA) 7 $4,815,000 $687,857 $4,147 2.84%
    READING, PA (FHA|USDA|VA) 2 $3,770,000 $1,885,000 $4,086 3.19%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $2,925,000 $2,925,000 $0 3.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $2,250,000 $375,000 $3,577 2.83%
    Outside of Metro Areas 6 $1,520,000 $253,333 $6,223 2.90%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $935,000 $935,000 $4,909 2.75%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $695,000 $695,000 $4,651 2.63%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $615,000 $615,000 $6,185 2.75%
    KINGSTON, NY (FHA|USDA|VA) 1 $545,000 $545,000 $4,601 2.75%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $465,000 $465,000 $4,324 2.88%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $465,000 $465,000 $3,479 2.63%
    Morehead City, NC (FHA|USDA|VA) 1 $455,000 $455,000 $2,542 2.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $435,000 $435,000 $2,800 2.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,254 3.13%
    Georgetown, SC (FHA|USDA|VA) 1 $355,000 $355,000 $4,039 2.75%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $225,000 $225,000 $11,669 2.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,453 2.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,875 2.88%
    Kearny Bank's top markets include New York, Philadelphia, Bridgeport, Trenton, and Dover among others.

    Their top states include:
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Kearny Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N C P D Federal Credit Union
    Similarity Rank: 102
    Schuyler Savings Bank
    Similarity Rank: 352
    Louviers Federal Credit Union
    Similarity Rank: 410
    BHCU
    Similarity Rank: 504
    ATLANTIS MORTGAGE CO., INC.
    Similarity Rank: 652
    The First National Bank of Long Island
    Similarity Rank: 748
    The Atlantic Federal Credit Union
    Similarity Rank: 882
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 1064
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1092
    Poli Mortgage Group, Inc.
    Similarity Rank: 1369

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,606 $1,044,630,000 $650,455 $4,147 2.84%

    For 2021, Kearny Bank's most frequently originated type of loan was Conventional, with 1,606 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 763 $544,015,000 $712,995 $3,521 2.75%
    Home Purchase 515 $367,065,000 $712,748 $5,533 2.84%
    Cash Out Refi 277 $122,495,000 $442,220 $3,724 2.90%
    Home Improvement 30 $5,000,000 $166,667 $1,453 3.99%
    Other 21 $6,055,000 $288,333 $2,223 3.57%

    For 2021, Kearny Bank's most frequently cited loan purpose was Refi, with 763 originations. The 2nd most popular reason was Home Purchase, with 515 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,042 $573,870,000 $550,739 $4,586 2.86%
    15 Year 278 $100,450,000 $361,331 $3,312 2.49%
    20 Year 133 $59,565,000 $447,857 $3,422 2.75%
    10 Year 81 $169,395,000 $2,091,296 $1,632 3.43%
    5 Year 42 $95,190,000 $2,266,429 $195 3.54%
    Other 21 $18,655,000 $888,333 $3,456 3.07%
    3 Year 9 $27,505,000 $3,056,111 $0 3.33%

    For 2021, Kearny Bank's most frequently cited loan duration was 30 Year, with 1,042 originations. The 2nd most popular length was 15 Year, with 278 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,348 $684,700,000 $507,938
    $1k-2k 81 $28,545,000 $352,407
    $2k-3k 15 $5,905,000 $393,667
    $3k-4k 4 $2,510,000 $627,500
    $5k+ 4 $1,560,000 $390,000
    $4k-5k 3 $1,475,000 $491,667

    Kearny Bank's average total fees were $4,586, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,348 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 993 $625,435,000 $629,844
    <2.5% 305 $113,345,000 $371,623
    3-4% 266 $295,780,000 $1,111,955
    4-5% 41 $9,815,000 $239,390
    5-6% 1 $255,000 $255,000

    During 2021, Kearny Bank's average interest rate for loans was 2.86%, while their most frequently originated rate bucket for loans was 2.5-3%, with 993 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 511 $151,585,000 $296,644 $3,424 2.76%
    $600k-1MM 377 $288,965,000 $766,485 $5,223 2.79%
    $400k-600k 373 $184,855,000 $495,590 $4,307 2.80%
    $1MM+ 159 $394,555,000 $2,481,478 $6,908 3.10%
    $100k-200k 142 $22,270,000 $156,831 $2,797 2.70%
    $100,000 or less 44 $2,400,000 $54,545 $755 3.92%

    2021 saw Kearny Bank place emphasis on $200k-400k loans with 511 originations, totaling $151,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 480 $244,550,000 $509,479 $4,256 2.79%
    $250k+ 431 $321,185,000 $745,209 $5,093 2.76%
    $100k-150k 313 $110,865,000 $354,201 $3,579 2.81%
    $75k-100k 133 $37,955,000 $285,376 $3,427 2.84%
    $50k-75k 124 $24,950,000 $201,210 $3,068 2.77%
    $50k or less 19 $2,155,000 $113,421 $2,511 3.15%

    Kearny Bank lent most frequently to those with incomes in the $150k-250k range, with 480 originations. The second most popular income band? $250k+, with 431 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 415 $213,285,000 $513,940 $4,132 2.73%
    30-36% 304 $156,150,000 $513,651 $4,065 2.81%
    <20% 130 $60,760,000 $467,385 $4,184 2.70%
    42% 83 $42,965,000 $517,651 $4,255 3.02%
    41% 71 $39,115,000 $550,915 $4,414 2.86%
    40% 69 $35,355,000 $512,391 $4,387 2.80%
    38% 68 $36,770,000 $540,735 $4,573 2.80%
    36% 65 $30,425,000 $468,077 $4,031 2.72%
    37% 57 $29,015,000 $509,035 $3,974 2.89%
    39% 54 $24,640,000 $456,296 $4,052 2.84%
    43% 33 $14,235,000 $431,364 $4,267 2.83%
    44% 30 $11,870,000 $395,667 $3,569 2.95%
    48% 29 $12,855,000 $443,276 $4,116 2.78%
    45% 27 $9,155,000 $339,074 $3,866 2.81%
    49% 27 $9,875,000 $365,741 $4,584 2.79%
    47% 23 $8,905,000 $387,174 $3,847 2.85%
    46% 14 $6,030,000 $430,714 $3,799 2.70%
    50-60% 1 $255,000 $255,000 $0 2.88%

    Kearny Bank lent most frequently to those with DTI ratios of 20-30%, with 415 originations. The next most common DTI ratio? 30-36%, with 304 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,211 $574,825,000 $474,670 $4,038 2.79%
    Not applicable 97 $298,285,000 $3,075,103 $0 3.51%
    Asian 217 $134,435,000 $619,516 $4,934 2.72%
    Not provided 37 $15,175,000 $410,135 $2,967 3.21%
    Asian Indian 15 $9,565,000 $637,667 $4,850 2.74%
    Black 25 $9,465,000 $378,600 $3,578 3.16%
    Other Asian 3 $2,465,000 $821,667 $5,877 2.75%
    Native Hawaiian or Islander 1 $415,000 $415,000 $6,539 2.38%

    Approval Rates

    Total approvals of all applications
    96.26%

    Kearny Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.26%

    Kearny Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,606 $1,044,630,000 $650,455

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,606 $1,044,630,000 $650,455

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 163 $45,195,000 $277,270 $3,144 2.72%
    40-60% 404 $169,350,000 $419,183 $3,649 2.67%
    60-80% 725 $667,945,000 $921,303 $4,460 2.91%
    80-100% 276 $158,970,000 $575,978 $5,172 2.79%
    Under 20% 38 $3,170,000 $83,421 $782 4.01%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Kearny Bank 1055 Clifton Avenue Clifton, NJ 7013 Full Service B&M $222,543
    Kearny Bank 1158 Hamburg Turnpike Wayne, NJ 7470 Full Service B&M $92,380
    Kearny Bank 119 Paris Avenue Northvale, NJ 7647 Full Service B&M $61,070
    Kearny Bank 122 Morristown Road, Route 202 South Bernardsville, NJ 7924 Full Service B&M $34,232
    Kearny Bank 130 Mountain Avenue Springfield, NJ 7081 Full Service B&M $83,211
    Kearny Bank 1400 Hylan Boulevard Staten Island, NY 10305 Full Service B&M $31,402
    Kearny Bank 1433 Van Houten Avenue, 3rd Floor Clifton, NJ 7013 Full Service B&M $210,571
    Kearny Bank 1470 Garden St Hoboken, NJ 7030 Full Service B&M $56,059
    Kearny Bank 155 Main Street Manasquan, NJ 8736 Full Service B&M $53,442
    Kearny Bank 1902 Long Hill Road Millington, NJ 7946 Full Service B&M $289,316
    Kearny Bank 1903 Highway 35 Oakhurst, NJ 7755 Full Service B&M $101,747
    Kearny Bank 2 Brick Boulevard Brick, NJ 8723 Full Service B&M $112,361
    Kearny Bank 207 Old Tappan Road Old Tappan, NJ 7675 Full Service B&M $92,620
    Kearny Bank 2200 Route 35 Sea Girt, NJ 8750 Full Service B&M $126,556
    Kearny Bank 2201 Bridge Avenue Point Pleasant, NJ 8742 Full Service B&M $62,070
    Kearny Bank 250 Valley Blvd Wood-Ridge, NJ 7075 Full Service B&M $346,439
    Kearny Bank 252 Park Ave Rutherford, NJ 7070 Full Service B&M $99,638
    Kearny Bank 259 Paterson Ave Wallington, NJ 7057 Full Service B&M $148,182
    Kearny Bank 267 Changebridge Road Pine Brook, NJ 7058 Full Service B&M $156,322
    Kearny Bank 270 Ryders Lane Milltown, NJ 8850 Full Service B&M $112,635
    Kearny Bank 300 West Sylvania Avenue Neptune, NJ 7753 Full Service B&M $55,559
    Kearny Bank 307 Stuyvesant Avenue Lyndhurst, NJ 7071 Full Service B&M $191,085
    Kearny Bank 33-11 Broadway Fair Lawn, NJ 7410 Full Service B&M $60,790
    Kearny Bank 369 Lanza Avenue Garfield, NJ 7026 Full Service B&M $107,638
    Kearny Bank 417 Bloomfield Avenue Caldwell, NJ 7006 Full Service B&M $92,809
    Kearny Bank 425 Route 9 Bayville, NJ 8721 Full Service B&M $54,953
    Kearny Bank 478 Fifth Avenue Brooklyn, NY 11215 Full Service B&M $62,317
    Kearny Bank 487 Pleasant Valley Way West Orange, NJ 7052 Full Service B&M $78,534
    Kearny Bank 501 Main Street Bradley Beach, NJ 7720 Full Service B&M $74,962
    Kearny Bank 510 State Highway 34 Matawan, NJ 7747 Full Service B&M $92,386
    Kearny Bank 520 Main Street Spotswood, NJ 8884 Full Service B&M $66,426
    Kearny Bank 534 Harrison Avenue Harrison, NJ 7029 Full Service B&M $31,585
    Kearny Bank 601 Frank E.Rogers Blvd. N. Harrison, NJ 7029 Full Service B&M $0
    Kearny Bank 61 Main Avenue Ocean Grove, NJ 7756 Full Service B&M $63,866
    Kearny Bank 611 Main Street Belmar, NJ 7719 Full Service B&M $68,037
    Kearny Bank 614 Kearny Ave Kearny, NJ 7032 Full Service B&M $792,436
    Kearny Bank 627 Second Avenue Long Branch, NJ 7740 Full Service B&M $125,662
    Kearny Bank 630 North Main Street Lanoka Harbor, NJ 8734 Full Service B&M $110,352
    Kearny Bank 640 Bloomfield Avenue Montclair, NJ 7042 Full Service B&M $9,587
    Kearny Bank 661 Wyckoff Avenue Wyckoff, NJ 7481 Full Service B&M $113,923
    Kearny Bank 675 Martinsville Road Basking Ridge, NJ 7920 Full Service B&M $84,546
    Kearny Bank 700 Allaire Road Spring Lake, NJ 7762 Full Service B&M $99,801
    Kearny Bank 700 Branch Avenue Little Silver, NJ 7739 Full Service B&M $58,350
    Kearny Bank 757 Palisade Avenue Cliffside Park, NJ 7010 Full Service B&M $33,845
    Kearny Bank 80 Ridge Road North Arlington, NJ 7031 Full Service B&M $151,746
    Kearny Bank 827 Fischer Blvd Toms River, NJ 8753 Full Service B&M $101,503
    Kearny Bank 875 Manhattan Avenue Brooklyn, NY 11222 Full Service B&M $28,467
    Kearny Bank 8901 Kennedy Boulevard North Bergen, NJ 7047 Full Service B&M $118,521
    Kearny Bank 917 Route 23 Pompton Plains, NJ 7444 Full Service B&M $141,449

    For 2021, Kearny Bank had 49 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $229,360
    Net interest income $194,099
    Total noninterest income $15,957
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,470
    Trading account gains and fees $0
    Additional Noninterest Income $14,487
    Pre-tax net operating income $100,871
    Securities gains (or losses, -) $332
    Income before extraordinary items $74,105
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $74,105
    Minority interest net income $0
    Net income $74,105
    Sale, conversion, retirement of capital stock, net $7,698
    Net operating income $73,842

    Kearny Bank's gross interest income from loans was $229,360,000.
    Kearny Bank's net interest income from loans was $194,099,000.
    Kearny Bank's fee based income from loans was $1,470,000.
    Kearny Bank's net income from loans was $74,105,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $35,261
    Provision for credit losses $-11,635
    Total noninterest expense $120,820
    Salaries and employee benefits $71,439
    Premises and equipment expense $23,145
    Additional noninterest expense $26,236
    Applicable income taxes $27,098
    Net charge-offs $3,535
    Cash dividends $249,162

    Kearny Bank's interest expense for loans was $35,261,000.
    Kearny Bank's payroll and benefits expense were $71,439,000.
    Kearny Bank's property, plant and equipment expenses $23,145,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 0.0%
    HELOC loans 5.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,594,794
    Deposits held in domestic offices $5,594,794
    Deposits by Individuals, partnerships, and corporations $5,100,270
    Deposits by U.S. Government $19
    Deposits by States and political subdivisions in the U.S. $481,188
    Deposits by Commercial banks and other depository institutions in U.S. $13,317
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $678,649
    Demand deposits $353,114
    Nontransaction accounts $4,916,145
    Money market deposit accounts (MMDAs) $824,412
    Other savings deposits (excluding MMDAs) $2,436,946
    Total time deposits $1,654,787
    Total time and savings deposits $5,241,680
    Noninterest-bearing deposits $643,247
    Interest-bearing deposits $4,951,547
    Retail deposits $5,005,134
    IRAs and Keogh plan accounts $296,876
    Brokered deposits $458,419
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,183,862
    Cash & Balances due from depository institutions $58,686
    Interest-bearing balances $31,678
    Total securities $1,644,208
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,790,737
    Loan and leases loss allowance $48,216
    Trading account assets $0
    Bank premises and fixed assets $69,151
    Other real estate owned $658
    Goodwill and other intangibles $214,434
    All other assets $405,988

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,183,862
    Total Liabilities $6,343,280
    Total deposits $5,594,794
    Interest-bearing deposits $4,951,547
    Deposits held in domestic offices $5,594,794
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $20,000
    Trading liabilities $0
    Other borrowed funds $695,196
    Subordinated debt $0
    All other liabilities $33,290

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,790,737
    Loan and leases loss allowance $48,216
    Total loans and leases (domestic) $4,838,953
    All real estate loans $4,656,252
    Real estate loans in domestic offices $4,656,252
    Construction and development loans $108,677
    Residential 1-4 family construction $0
    Other construction, all land development and other land $108,677
    Loans secured by nonfarm nonresidential properties $1,016,180
    Nonfarm nonresidential secured by owner-occupied properties $106,100
    Commercial real estate & other non-farm, non-residential $910,080
    Multifamily residential real estate $2,003,864
    1-4 family residential loans $1,527,531
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $179,653
    To non-U.S. addressees $0
    Loans to individuals $3,048
    Credit card loans $0
    Related Plans $139
    Consumer Auto Loans $0
    Other loans to individuals $2,909
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,666
    Non 1-4 family restructured loans & leases $3,983
    Total loans and leases (foreign) $0

    Kearny Bank had $4,790,737,000 of loans outstanding in 2021. $4,656,252,000 of loans were in real estate loans. $108,677,000 of loans were in development loans. $2,003,864,000 of loans were in multifamily mortgage loans. $1,527,531,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 339 $108,375 $319,690
    Nonfarm, nonresidential loans - <$100k 8 $263 $32,875
    Nonfarm, nonresidential loans - $100-250k 71 $8,143 $114,690
    Nonfarm, nonresidential loans - $250k-1MM 260 $99,969 $384,496
    Commercial & Industrial, US addressed loans - <$1MM 631 $70,143 $111,162
    Commercial & Industrial, US addressed loans - <$100k 283 $8,462 $29,901
    Commercial & Industrial, US addressed loans - $100-250k 176 $15,508 $88,114
    Commercial & Industrial, US addressed loans - $250k-1MM 172 $46,173 $268,448