Applications / Mortgage Analytics / Lenders / New York / Ridgewood Savings Bank
Ridgewood, NY · Savings institution · FDIC · $7.5 billion assets · 383 loans in 2025
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383
loans originated, 2025
603
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ridgewood Savings Bank makes big loans: its typical loan, $785,000, was larger than at almost all similar lenders, and its count rose 20% in 2025.
Similar lenders, savings institutions making between half and twice as many loans, had a typical loan of $235,000. A quarter of Ridgewood's loans (25.0%) were jumbo, meaning larger than the conforming limit, against 2.5% at peers. Its 383 loans came to $419.3 million. Most were for home purchases, and all were conventional.
Its loans rose 20%, faster than at about four in five similar lenders, whose count rose 5%. That followed two lean years. Its loans jumped to 871 in 2022, then fell to 392 in 2023 and 318 in 2024.
Its typical rate was 6.25%, against 6.62% at similar lenders, lower than at about nine in ten of them. None of its loans was higher-priced, meaning a rate well above the average for similar loans.
Majority-minority neighborhoods took 31.9% of its loans, against 6.1% at similar lenders, more than at nine in ten of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 19.4%, against 15.1%. Yet LMI borrowers took only 12.5%, against 24.1%, among the lowest twentieth of peers. A lender of loans this large may serve mostly higher-income borrowers, even in poorer areas.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ridgewood Savings Bank took 603 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 25.6% · Other 2.3% · Home improvement 0.3%
Conventional 100.0% · of 383 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 343 | 89.6% |
| Connecticut | 40 | 10.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 219 |
| Nassau County-Suffolk County | 124 |
| Bridgeport-Stamford-Danbury | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YLIY5SO2XSK094 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 859712 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316026 | 1990–2017 |
Established 18 June 1921. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ridgewood Savings Bank's data.
Ridgewood Savings Bank's data
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Ridgewood Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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