Lender in New York · HMDA 2025
Ridgewood Savings Bank mortgages in New York
Ridgewood Savings Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Ridgewood Savings Bank originated 236 owner-occupied single-family loans in New York from 334 completed applications.
Its median conventional purchase loan costs were $9,140 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.125% (New York: 6.50%).
Loans in NY
236
of 334 applications
Denial rate
20.3%
Purchase · NY 9.5%
Rate spread
−0.15 pts
Conv. · NY +0.07 pts
Loan amount
$575,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 290 | 206 | 20.3% | 6.125% | −0.15 pts | $9,140 | $575,000 |
| Refinance | 14 | 9 | — | — | — | — | — |
| Cash-out refinance | 30 | 21 | 16.7% | — | −0.04 pts | $13,140 | $995,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology