
The Ridgewood Commercial Lending Team
Your Real Estate Plans. Our Local Expertise.
Connect with a Commercial Lending Consultant.
We're ready to discuss your plans and help create a financing solution that's right for you.

Bryan Lutz
Vice President & Senior Commercial Loan OfficerEmail: [email protected]
Direct: (718) 240-4734 | Mobile: (917) 841-5216
Languages: English
Service Area: The five boroughs; Nassau, Suffolk, Rockland and Westchester counties
Over his 15-year career in banking, Bryan has originated more than $1 billion in commercial real estate transactions across all asset types. A key member of Ridgewood's commercial lending team for more than six years, Bryan has earned the trust of local real estate professionals through his friendly, responsive service and unwavering commitment to his clients' goals. He is a graduate of the ABA Stonier Graduate School of Banking and holds a Leadership Certificate from the Wharton School.
Reach out today to discuss your needs. EMAIL BRYAN

Victor Padilla
AVP and Commercial Loan OfficerEmail: [email protected]
Direct: (718) 240-4721 | Mobile: (347) 585-2456
Languages: English and Spanish
Service Area: The five boroughs; Nassau, Suffolk, Rockland and Westchester counties
Victor is a longtime New Yorker with more than 20 years of commercial real estate finance experience, including more than a decade as part of Ridgewood's commercial lending team. He works closely with local brokers, owners, property managers and cooperatives to originate commercial mortgages for a wide range of property types, including multi-family, mixed-use, office and retail. A respected local mortgage executive, Victor holds a degree in management and real estate and serves on the board of the Metropolitan Mortgage Officers Society (MMOS).
Reach out today to discuss your needs. EMAIL VICTOR

Matthew Puma
AVP and Commercial Loan OfficerEmail: [email protected]
Direct: (718) 240-4924 | Mobile: (917) 635-2352
Languages: English
Service Area: The five boroughs; Nassau, Suffolk, Rockland and Westchester counties
Matthew is a specialist in the Commercial Lending field; with over 15 years of experience, he has been involved in key Commercial Real Estate deals across the five boroughs and Long Island. This gives him a unique insight into the needs of his clients and the community. An integral part of our Commercial Lending Team, Matthew received a Bachelor of Science in finance from St. John's University and an MBA in management from Adelphi University.
Reach out today to discuss your needs. EMAIL MATTHEW