Kearny Bank Reviews

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Updated May 13, 2026

By: Matt Zane

+1 more

Edited by: Jon Bortin

About Kearny Bank

Kearny Bank (NMLS #401080) offers conventional purchase and refinance loans, home equity loans and home equity lines of credit (HELOCs). It has 28 physical locations across New Jersey and New York. It was founded in 1884 and is headquartered in Fairfield, New Jersey.

Pros

Online application
Publishes rates online
Offers home equity loans and HELOCs

Cons

Only available in two states
Limited loan types

Kearny Bank rates

Kearny Bank publishes its current rates for its conventional fixed-rate and adjustable-rate mortgages (ARMs) online. Its fixed loan rates are based on a $300,000 loan amount, a 740 credit score and a 75% loan-to-value (LTV) ratio, while its ARMs are based on a $900,000 loan amount and a 90% LTV ratio. All annual percentage rates (APRs) are accurate as of April 15, 2026.

Loan type	APR
15-year fixed-rate	6.062%
20-year fixed-rate	6.659%
30-year fixed-rate	6.367%
5/6/30 ARM	6.098%
7/6/30 ARM	6.059%

Generally, mortgage rates vary based on factors like your credit history, the type of loan, the loan amount, your down payment and the loan term.

» MORE: Current mortgage rates — check today’s rates

Kearny Bank loan types

Kearny Bank’s main loan types are conventional fixed-rate mortgages and adjustable-rate mortgages. It also offers home equity loans, HELOCs and rate, term and cash-out refinancing.

Kearny Bank requirements

Kearny Bank publishes some of its home loan requirements online. For conventional loans, it requires a minimum credit score of 660 and a minimum down payment of 5%. Kearny doesn’t publish its recommended debt-to-income (DTI) ratio, though maximum DTI ratios generally depend on the lender, your loan type and your financial situation.

Kearny Bank application process

Kearny Bank’s application can be completed online, but you’ll have to contact Kearny Bank by phone or through its online form to get started with the online application process. Generally, be prepared to provide information about your income and assets so Kearny Bank can determine how much you can borrow.

Kearny Bank application process features

The table below shows some of Kearny Bank’s application process features:

Features	Availability
Online application
Mobile document upload
Publishes rates online
Offers rate lock
Offers prequalification (no hard credit check)	Not disclosed
Certified approval letter	Not disclosed
State availabiity	2
Number of branches	28

» LEARN: How to get a mortgage

Kearny Bank costs and fees

Kearny Bank doesn’t disclose its mortgage costs online, but you can expect to pay closing costs, which typically range from 2% to 5% of your loan amount.

How does Kearny Bank compare?

Kearny Bank only offers conventional loans. Other lenders typically offer a wider loan selection, including jumbo loans or government-backed loans like Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA) or U.S. Department of Agriculture (USDA) loans.

Here’s how Kearny Bank compares to some other mortgage lenders:

Company		Purchase options	Refinancing options	Minimum credit score
Kearny Bank	Learn More	Conventional	Cash-out, rate, term	660
New American Funding	Learn More	Conventional, FHA, VA, USDA, jumbo	Cash-out, rate-and-term, cash-in	580 to 640
Network Capital	Learn More	Conventional, FHA, VA and refinancing	Cash-out, rate and term	580 to 620

FAQ

Is Kearny Bank legit?

Yes, Kearny Bank is a legitimate mortgage lender that’s licensed with the Nationwide Multistate Licensing System (NMLS).

How many Kearny Banks are there?

Kearny Bank has 28 physical locations across New Jersey and New York.

What is the history of Kearny Bank?

Kearny Bank was founded in 1884, though it didn’t get its first branch office until 1928. It offers personal banking, business banking, mortgages, investment services and private client services.