Ridgewood Savings Bank mortgage approval rate & lending review
Ridgewood Savings Bank decided 1,245 mortgage applications and funded 874 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ridgewood Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ridgewood Savings Bank at a glance
Approval is 4.5 points below the 84.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 715 / 883 | 89% | $765K | 635 |
| Cash-out refinance | 75% | 89 / 118 | 82% | $475K | 73 |
| Refinance | 79% | 27 / 34 | 81% | $1.17M | 22 |
| Investment property purchase | 80% | 99 / 124 | 86% | $685K | 85 |
| Investment cash-out refinance | 80% | 43 / 54 | 93% | $1.26M | 40 |
Ridgewood Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 79% | $715K | 1,159 | 801 |
| Connecticut | 87% | $1.08M | 86 | 73 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ridgewood Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Nassau County, NY | Mortgage lenders | 92% | 156 | 118 |
| Suffolk County, NY | Mortgage lenders | 85% | 142 | 118 |
| Queens County, NY | Mortgage lenders | 83% | 139 | 107 |
| Westchester County, NY | Mortgage lenders | 87% | 113 | 84 |
| Kings County, NY | Mortgage lenders | 71% | 123 | 75 |
| Western Connecticut Planning Region, CT | Mortgage lenders | 90% | 50 | 43 |
| New York County, NY | Mortgage lenders | 58% | 78 | 37 |
| Suffolk County, NY | Investment property purchase | 89% | 44 | 34 |
| Richmond County, NY | Mortgage lenders | 83% | 41 | 31 |
| Kings County, NY | Investment cash-out refinance | 85% | 27 | 20 |
| Queens County, NY | Investment property purchase | 85% | 26 | 20 |
| Queens County, NY | Cash-out refinance | 81% | 26 | 18 |
The county markets where Ridgewood Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ridgewood Savings Bank
What is Ridgewood Savings Bank's mortgage approval rate?
Ridgewood Savings Bank approved 79.9% of the 1,245 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.5 points below the 84.4% national rate for the same mix of loan types.
How often do borrowers take the loan Ridgewood Savings Bank offers?
Borrowers accepted 88% of the loans Ridgewood Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ridgewood Savings Bank make?
The typical home purchase mortgage loan Ridgewood Savings Bank made was $765K; across all loan types its typical loan ran from $475K to $1.26M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ridgewood Savings Bank lend?
Ridgewood Savings Bank decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Connecticut.
Can I apply to Ridgewood Savings Bank directly?
Yes. Ridgewood Savings Bank is a bank or credit union with 37 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ridgewood Savings Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ridgewood Savings Bank treats applications, then get a rate quote from the lender.