# NATIONAL COOPERATIVE BANK, N.A.

> **Canonical URL:** https://saferate.com/lenders/national-cooperative-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NATIONAL COOPERATIVE BANK, N.A. is a bank, headquartered in Hillsboro, OH, serving borrowers across 14 states, with 352 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001GAASLCSP1PB64
- **Headquarters:** Hillsboro, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AK, CA, DC, GA, IL, MA, MD, MI, MN, NJ, NY, OH, VA, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 87.8%
- **Brokered/Wholesale:** 12.2%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.251%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,304
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 352
- **Dollar Volume:** $129 million
- **Applications Received:** 490
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $367,415
- **Average Borrower Income:** $181,574
- **Average Property Value:** $524,886

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 349 | +0.251% | $1,306 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 331 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 334 | $125M | +0.244% | Sound ☺️ |
| Refinance | 26/100 | 18 | $4M | +0.367% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 128 | 0.04% | 63/100 |
| NY | 74 | 0.07% | 62/100 |
| MI | 54 | 0.05% | 58/100 |
| DC | 34 | 0.59% | 63/100 |
| MD | 23 | 0.03% | 49/100 |
| WA | 17 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 73 | 65/100 |
| San Francisco | CA | 65 | 74/100 |
| Los Angeles | CA | 50 | 60/100 |
| Washington, DC | DC-MD | 43 | 66/100 |
| Warren | MI | 32 | 56/100 |
| Detroit | MI | 20 | 52/100 |
| Seattle | WA | 15 | 48/100 |
| Frederick | MD | 10 | 43/100 |

## Where This Lender Ranks

NATIONAL COOPERATIVE BANK, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in San Francisco Banks
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks)
- 🏆 **#18** in San Francisco for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Washington DC Banks
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks)
- 🏆 **#20** in Washington DC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does NATIONAL COOPERATIVE BANK, N.A. offer?

NATIONAL COOPERATIVE BANK, N.A. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NATIONAL COOPERATIVE BANK, N.A. offer mortgages?

NATIONAL COOPERATIVE BANK, N.A. offers mortgages in 14 states: AK, CA, DC, GA, IL, MA, MD, MI, MN, NJ, NY, OH, VA, WA.

### How competitive are NATIONAL COOPERATIVE BANK, N.A.'s mortgage rates?

NATIONAL COOPERATIVE BANK, N.A. has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.251% above market average.

### What type of lender is NATIONAL COOPERATIVE BANK, N.A.?

NATIONAL COOPERATIVE BANK, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hillsboro, OH.

### What is NATIONAL COOPERATIVE BANK, N.A.'s loan approval success rate?

NATIONAL COOPERATIVE BANK, N.A. has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/national-cooperative-bank

### How to Cite

> "NATIONAL COOPERATIVE BANK, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/national-cooperative-bank

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