Bogota Savings Bank
Bogota Savings Bank received 85 applications in 2025 and made 54 mortgages, in 16 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $195,000. Of 72 decisions, 15 were denials — 20.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493008RQ8SRLTLRWX62 |
|---|---|
| Applications received | 85 |
| Mortgages made | 54 |
| Denied | 15 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.7525 points |
| FDIC-insured bank | Yes: Bogota Savings Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | 6.938% | $425,000 | 0.0% |
| Refinancing | 14 | 7.000% | $195,000 | 22.7% |
| Other purposes | 22 | 7.188% | $145,000 | 31.3% |
Where Bogota Savings Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bergen County, NJ | 10 | 7.250% | 29.4% |
| Monmouth County, NJ | 10 | 7.000% | 23.1% |
| Morris County, NJ | 6 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 4 | Under 10 loans | 20.0% |
| Ocean County, NJ | 4 | Under 10 loans | 0.0% |
| Passaic County, NJ | 4 | Under 10 loans | 37.5% |
| Union County, NJ | 4 | Under 10 loans | 20.0% |
| Hudson County, NJ | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 3 | Under 10 loans | 25.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Essex County, NJ | 1 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 1 | Under 10 loans | 0.0% |
| Mercer County, NJ | 1 | Under 10 loans | 0.0% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.