National Cooperative Bank, N.A. mortgage approval rate & lending review
National Cooperative Bank, N.A. decided 1,286 mortgage applications and funded 1,105 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions National Cooperative Bank, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
National Cooperative Bank, N.A. at a glance
Approval is 1.3 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 985 / 1,089 | 99% | $285K | 971 |
| Cash-out refinance | 58% | 38 / 65 | 100% | $165K | 38 |
| Refinance | 67% | 28 / 42 | 100% | $515K | 28 |
| Investment property purchase | 82% | 47 / 57 | 100% | $335K | 47 |
National Cooperative Bank, N.A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 95% | $655K | 380 | 356 |
| New York | 79% | $345K | 355 | 273 |
| Michigan | 84% | $55K | 222 | 185 |
| District of Columbia | 93% | $285K | 107 | 98 |
| Maryland | 91% | $165K | 99 | 90 |
| Washington | 98% | $265K | 60 | 59 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where National Cooperative Bank, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Francisco County, CA | Mortgage lenders | 99% | 174 | 171 |
| New York County, NY | Mortgage lenders | 90% | 105 | 90 |
| Macomb County, MI | Mortgage lenders | 90% | 96 | 85 |
| Bronx County, NY | Mortgage lenders | 69% | 39 | 26 |
The county markets where National Cooperative Bank, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about National Cooperative Bank, N.A.
What is National Cooperative Bank, N.A.'s mortgage approval rate?
National Cooperative Bank, N.A. approved 87.1% of the 1,286 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.3 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan National Cooperative Bank, N.A. offers?
Borrowers accepted 99% of the loans National Cooperative Bank, N.A. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does National Cooperative Bank, N.A. make?
The typical home purchase mortgage loan National Cooperative Bank, N.A. made was $285K; across all loan types its typical loan ran from $165K to $515K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does National Cooperative Bank, N.A. lend?
National Cooperative Bank, N.A. decided applications in 15 of the states Fat Boy Data covers, most of them in California, New York and Michigan.
Can I apply to National Cooperative Bank, N.A. directly?
Yes. National Cooperative Bank, N.A. is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show National Cooperative Bank, N.A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how National Cooperative Bank, N.A. treats applications, then get a rate quote from the lender.