NATIONAL COOPERATIVE BANK, N.A.
NATIONAL COOPERATIVE BANK, N.A. received 852 applications in 2025 and made 615 mortgages, in 151 counties across 39 states. The median rate its borrowers got was 6.625% on a median loan of $435,000. Of 722 decisions, 98 were denials — 13.6%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493001GAASLCSP1PB64 |
|---|---|
| Applications received | 852 |
| Mortgages made | 615 |
| Denied | 98 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 130 |
| Loans bought from other lenders | 163 |
| Median rate spread over the prime offer rate | 0.225 points |
| FDIC-insured bank | Yes: NATIONAL COOPERATIVE BANK, N.A., 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 345 | 6.625% | $275,000 | 7.9% |
| Refinancing | 210 | 6.360% | $1,705,000 | 3.2% |
| Cash-out refinancing | 37 | 6.750% | $225,000 | 28.8% |
| Other purposes | 23 | 6.900% | $105,000 | 64.8% |
Where NATIONAL COOPERATIVE BANK, N.A. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| New York County, NY | 135 | 6.580% | 11.1% |
| San Francisco County, CA | 77 | 6.375% | 1.3% |
| Queens County, NY | 49 | 6.625% | 23.9% |
| Los Angeles County, CA | 38 | 7.250% | 14.9% |
| Kings County, NY | 36 | 6.525% | 18.2% |
| District of Columbia, DC | 34 | 6.500% | 8.1% |
| Westchester County, NY | 32 | 6.360% | 18.0% |
| Macomb County, MI | 31 | 7.000% | 0.0% |
| Bronx County, NY | 27 | 6.730% | 16.7% |
| Nassau County, NY | 24 | 6.285% | 4.0% |
| Wayne County, MI | 23 | 7.125% | 20.7% |
| King County, WA | 23 | 6.625% | 4.2% |
| Montgomery County, MD | 14 | 6.500% | 6.7% |
| Suffolk County, NY | 10 | 6.688% | 9.1% |
| Highland County, OH | 9 | Under 10 loans | 18.2% |
| Alameda County, CA | 6 | Under 10 loans | 14.3% |
| Prince George's County, MD | 5 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 5 | Under 10 loans | 0.0% |
| Baltimore city, MD | 4 | Under 10 loans | 33.3% |
| Hudson County, NJ | 4 | Under 10 loans | 0.0% |
| Marin County, CA | 3 | Under 10 loans | 25.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| Arlington County, VA | 3 | Under 10 loans | 0.0% |
| Suffolk County, MA | 2 | Under 10 loans | 33.3% |
| Oakland County, MI | 2 | Under 10 loans | 25.0% |
| Essex County, NJ | 2 | Under 10 loans | 0.0% |
| Anchorage Municipality, AK | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 66.7% |
| Bergen County, NJ | 1 | Under 10 loans | 0.0% |
| Putnam County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Brown County, OH | 1 | Under 10 loans | 0.0% |
| Kitsap County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Bradley County, AR | 0 | Under 10 loans | Not published |
| Greene County, AR | 0 | Under 10 loans | Not published |
| Orange County, CA | 0 | Under 10 loans | 100.0% |
| San Benito County, CA | 0 | Under 10 loans | Not published |
| Capitol Planning Region, CT | 0 | Under 10 loans | Not published |
| New Castle County, DE | 0 | Under 10 loans | Not published |
| Alachua County, FL | 0 | Under 10 loans | Not published |
| Bradford County, FL | 0 | Under 10 loans | Not published |
| Duval County, FL | 0 | Under 10 loans | Not published |
| Manatee County, FL | 0 | Under 10 loans | Not published |
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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.