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Ridgewood Savings Bank

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Wealth Management
Secured Loans




1 to 4 Family, Condo, Co-op Rate APR Points CPM
15 Year Fixed  5.625% 5.73% 0 $8.24
1 to 4 Family, Condo, Co-op Initial Rate APR Points CPM/Initial Rate Current Fully Indexed Rate(a) CPM/Current Fully Indexed Rate(b)
15/1 ARM 5.750% 6.14% 0 $5.84 7.625% $7.08
Rates are effective as of 2/3/2023            


*The rates displayed are subject to change without notice. Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement. 
**APR = Annual Percentage Rate.

Except as otherwise set forth, rates are available for owner occupied properties located in the five boroughs of NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties.

Maximum loan amounts apply.

CPM = Cost Per Thousand Borrowed

Other products are available. For additional information on Mortgage Loans, please call our Mortgage Center at (866)-RSB-4111 or (866)-772-4111.

Loan products and services subject to credit approval.

Rates & terms are subject to change without notice.