Ridgewood Savings Bank
Ridgewood Savings Bank received 603 applications in 2025 and made 383 mortgages, in 13 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $785,000. Of 517 decisions, 96 were denials — 18.6%, most often for collateral.
| Legal Entity Identifier | 549300YLIY5SO2XSK094 |
|---|---|
| Applications received | 603 |
| Mortgages made | 383 |
| Denied | 96 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 86 |
| Loans bought from other lenders | 11 |
| Median rate spread over the prime offer rate | -0.0885 points |
| FDIC-insured bank | Yes: Ridgewood Savings Bank, 38 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 275 | 6.250% | $685,000 | 19.6% |
| Refinancing | 25 | 6.500% | $1,155,000 | 12.5% |
| Cash-out refinancing | 73 | 6.500% | $1,125,000 | 17.2% |
| Other purposes | 10 | 6.250% | $485,000 | 14.3% |
Where Ridgewood Savings Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Suffolk County, NY | 75 | 6.125% | 10.3% |
| Queens County, NY | 63 | 6.375% | 19.8% |
| Kings County, NY | 61 | 6.500% | 16.9% |
| Nassau County, NY | 49 | 6.125% | 20.0% |
| Westchester County, NY | 35 | 6.250% | 14.3% |
| Western Connecticut Planning Region, CT | 31 | 6.250% | 20.0% |
| New York County, NY | 29 | 6.500% | 38.8% |
| Bronx County, NY | 18 | 6.625% | 18.2% |
| Richmond County, NY | 10 | 6.125% | 13.3% |
| Greater Bridgeport Planning Region, CT | 8 | Under 10 loans | 11.1% |
| Putnam County, NY | 3 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 0 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.