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Ridgewood Savings Bank
Bank|Ridgewood, NY|Regional
Loans Originated
232
Applications
378
Volume
$195 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.210%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,396
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.4%
Percentage of applications that result in closed loans
Report Card
Ridgewood Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$843,966
Average Borrower Income
$350,349
Average Property Value
$1,169,914
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% | $1,177 |
Jumbo Loans | Strong | Strong | Strong | Sound | 65 | 28.0% | -0.149% | $2,005 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 202 | 87.1% | -0.211% | $1,134 |
Refinance | Sound | Acceptable | Strong | Acceptable | 30 | 12.9% | -0.203% | $3,014 |
Geographic Coverage
Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTNY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 123Mix: 53.02%
Place Specialization
Strong
2
Nassau County, NYMSA
Volume: 76Mix: 32.76%
Place Specialization
Strong
3
Bridgeport, CTMSA
Volume: 33Mix: 14.22%
Place Specialization
Strong
Top States by Place Specialization Score
1
NYState
Volume: 199Mix: 85.78%
Place Specialization
Strong
2
CTState
Volume: 33Mix: 14.22%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.
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