Ridgewood Savings Bank in New York vs the state
16.1%Denial rate-3.64 pts vs state
18.6%Decision denial rate-5.41 pts vs state
63.5%Origination rate+3.93 pts vs state
6.25%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.33 pts vs state
$226kMedian applicant income
343Loans originated
87Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 635 | 354 | 18.7% | 5.88% | #99 |
| 2024 | 444 | 281 | 14.6% | 6.50% | #129 |
| 2025 | 540 | 343 | 16.1% | 6.25% | #129 |
What Ridgewood Savings Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Ridgewood Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 100 | 61 | 14 | 14.0% |
| Suffolk County | 97 | 75 | 9 | 9.3% |
| Queens County | 97 | 63 | 17 | 17.5% |
| Nassau County | 77 | 49 | 14 | 18.2% |
| New York County | 61 | 29 | 19 | 31.1% |
| Westchester County | 58 | 35 | 7 | 12.1% |
| Bronx County | 27 | 18 | 4 | 14.8% |
| Richmond County | 17 | 10 | 2 | 11.8% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Rockland County | 3 | 0 | 1 | 33.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 540 applications in 2025, of which 343 were originated and 87 denied.
16.1% of all applications, or 18.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ridgewood Savings Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Ridgewood Savings Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology