What loan types does Ridgewood Savings Bank offer?

Ridgewood Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Ridgewood Savings Bank offer mortgages?

Ridgewood Savings Bank offers mortgages in 2 states: CT, NY.

How competitive are Ridgewood Savings Bank's mortgage rates?

Ridgewood Savings Bank has an overall pricing score of 56.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ridgewood Savings Bank?

Ridgewood Savings Bank is a Bank headquartered in Ridgewood, NY.

Unclaimed

Ridgewood Savings Bank

Bank•Ridgewood, NYHQ•Direct & Wholesale•Reviews near you on Google

Ridgewood Savings Bank has 232 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Superstar

Explore another lender or local market

Report Card

Ridgewood Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 21.0 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

167 loans · 0.23% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

65 loans · 0.15% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

202 loans · 0.21% below market

Sound

Top 60% of lenders

3/5

Refinance

30 loans · 0.20% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	167	72.0%	-0.232%Below	$1,177Fees
Jumbo Loans	Strong	Strong	Strong	Sound	65	28.0%	-0.149%Below	$2,005Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume167

Mix72.0%

Spread

-0.232%Below

Fees

$1,177Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume65

Mix28.0%

Spread

-0.149%Below

Fees

$2,005Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	202	87.1%	-0.211%Below	$1,134Fees
Refinance	Sound	Acceptable	Strong	Acceptable	30	12.9%	-0.203%Below	$3,014Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume202

Mix87.1%

Spread

-0.211%Below

Fees

$1,134Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume30

Mix12.9%

Spread

-0.203%Below

Fees

$3,014Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

232

Applications

378

Volume

$195 million

Pricing & Closing

Avg Rate Spread

-0.210%

vs. market APOR

Avg Net Fees

$1,396

Origination − Credits

Pullthrough Rate

61.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$843,966

Avg Borrower Income

$350,349

Avg Property Value

$1,169,914

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast2

CTNY

Top Metro Areas by Place Specialization Score

New York, NY-NJMetro

Volume 123Mix 53.02% of portfolio

73/100

Strong

Nassau County, NYMetro

Volume 76Mix 32.76% of portfolio

69/100

Strong

Bridgeport, CTMetro

Volume 33Mix 14.22% of portfolio

64/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 199Mix 85.78% of portfolio

74/100

Strong

ConnecticutState

Volume 33Mix 14.22% of portfolio

56/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Ridgewood Savings Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.