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NATIONAL COOPERATIVE BANK, N.A.
Bank|Hillsboro, OH|Multi-Region
Loans Originated
352
Applications
490
Volume
$129 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.251%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,304
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.8%
Percentage of applications that result in closed loans
Report Card
NATIONAL COOPERATIVE BANK, N.A. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$367,415
Average Borrower Income
$181,574
Average Property Value
$524,886
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 349 | 99.1% | +0.251% | $1,306 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 334 | 94.9% | +0.244% | $1,323 |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 18 | 5.1% | +0.367% | $963 |
Geographic Coverage
Metro Areas
8
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKCADCGAILMAMDMIMNNJNYOHVAWA
Top Metro Areas by Place Specialization Score
1
San Francisco, CAMSA
Volume: 65Mix: 18.47%
Place Specialization
Strong
2
Washington, DC, DC-MDMSA
Volume: 43Mix: 12.22%
Place Specialization
Strong
3
New York, NY-NJMSA
Volume: 73Mix: 20.74%
Place Specialization
Strong
4
Los Angeles, CAMSA
Volume: 50Mix: 14.20%
Place Specialization
Strong
5
Warren, MIMSA
Volume: 32Mix: 9.09%
Place Specialization
Sound
6
Detroit, MIMSA
Volume: 20Mix: 5.68%
Place Specialization
Sound
7
Seattle, WAMSA
Volume: 15Mix: 4.26%
Place Specialization
Sound
8
Frederick, MDMSA
Volume: 10Mix: 2.84%
Place Specialization
Sound
Top States by Place Specialization Score
1
DCState
Volume: 34Mix: 9.66%
Place Specialization
Strong
2
CAState
Volume: 128Mix: 36.36%
Place Specialization
Strong
3
NYState
Volume: 74Mix: 21.02%
Place Specialization
Strong
4
MIState
Volume: 54Mix: 15.34%
Place Specialization
Sound
5
MDState
Volume: 23Mix: 6.53%
Place Specialization
Sound
6
WAState
Volume: 17Mix: 4.83%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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