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National Cooperative Bank

Bank•Hillsboro, OHHQ•Direct•Reviews near you on Google

National Cooperative Bank has 352 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 8 mkts

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Report Card

National Cooperative Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume349
Mix99.1%
Spread
+0.251%Above
Fees
$1,306Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume334
Mix94.9%
Spread
+0.244%Above
Fees
$1,323Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume18
Mix5.1%
Spread
+0.367%Above
Fees
$963Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
352
Applications
490
Volume
$129 million
Pricing & Closing
Avg Rate Spread
+0.251%
vs. market APOR
Avg Net Fees
$1,304
Origination − Credits
Pullthrough Rate
71.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$367,415
Avg Borrower Income
$181,574
Avg Property Value
$524,886

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MANJNY
Midwest4
ILMIMNOH
South4
DCGAMDVA
West3
AKCAWA

Top Metro Areas by Place Specialization Score

1© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 65Mix 18.47% of portfolio
74/100
Strong
2© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 43Mix 12.22% of portfolio
66/100
Strong
3© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 73Mix 20.74% of portfolio
65/100
Strong
4© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 50Mix 14.20% of portfolio
60/100
Strong
5© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 32Mix 9.09% of portfolio
56/100
Sound
6© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 20Mix 5.68% of portfolio
52/100
Sound
7© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 15Mix 4.26% of portfolio
48/100
Sound
8© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 10Mix 2.84% of portfolio
43/100
Sound

Top States by Place Specialization Score

Washington, DC
Washington, DC
1
Washington, DCState
Volume 34Mix 9.66% of portfolio
63/100
Strong
California
California
2
CaliforniaState
Volume 128Mix 36.36% of portfolio
63/100
Strong
New York
New York
3
New YorkState
Volume 74Mix 21.02% of portfolio
62/100
Strong
Michigan
Michigan
4
MichiganState
Volume 54Mix 15.34% of portfolio
58/100
Sound
Maryland
Maryland
5
MarylandState
Volume 23Mix 6.53% of portfolio
49/100
Sound
Washington
Washington
6
WashingtonState
Volume 17Mix 4.83% of portfolio
46/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.