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National Cooperative Bank, N.A.

HILLSBORO, OH

National Cooperative Bank, N.A. processed 845 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 492 loans with a 13.4% denial rate. Home Purchase was the primary loan purpose. Based in HILLSBORO, OH. The approval rate of 58.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. National Cooperative Bank, N.A.'s 58.2% origination rate tells you how often an application turned into funded money; the 13.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (727 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

845
Applications
492
Originated
13.4%
Denial Rate
$911,320
Avg Loan Amount
Avg Interest Rate: 6.691% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 727 492 113 $1,022,813
FHA 118 0 0 $224,407

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for National Cooperative Bank, N.A. (LEI: 5493001GAASLCSP1PB64) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
65
Debt-to-income ratio
41
Credit history
33
Credit application incomplete
10
Collateral
6
Employment history
3
Unverifiable information
3
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 554 337 $330,758
Refinancing 136 105 $3,870,441
Other 97 30 $440,052
Cash-out Refinancing 39 16 $364,487
Home Improvement 11 4 $111,364

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 330 65.8% 15.8%
Asian 62 79.0% 8.1%
Black or African American * 47 51.1% 29.8%
Joint * 23 82.6% 8.7%
2 or more minority races * 5 40.0% 20.0%
American Indian or Alaska Native * 2 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 417 66.7% 16.8%
Hispanic or Latino * 40 67.5% 12.5%
Joint * 24 66.7% 12.5%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in OH

Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.

Us Bank, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

Crosscountry Mortgage, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare National Cooperative Bank, N.A. vs Us Bank, N.A. →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did National Cooperative Bank, N.A. process?
National Cooperative Bank, N.A. processed 845 mortgage applications in the 2024 HMDA reporting year. Of these, 492 were originated (approved and funded), 97 were withdrawn by the applicant, and 113 were denied.
What is National Cooperative Bank, N.A.'s mortgage approval rate?
National Cooperative Bank, N.A. has an approval (origination) rate of 58.2%, meaning 58.2% of all applications resulted in a funded mortgage. The denial rate is 13.4%.
What is the average loan amount at National Cooperative Bank, N.A.?
The average mortgage loan amount at National Cooperative Bank, N.A. is $911,320. The average interest rate is 6.691%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at National Cooperative Bank, N.A.?
The most common reasons for mortgage denial at National Cooperative Bank, N.A. are: Other, Debt-to-income ratio, Credit history. In total, 113 applications were denied out of 845 total applications.
What types of mortgage loans does National Cooperative Bank, N.A. offer?
National Cooperative Bank, N.A. processes Conventional, FHA loans. The most common type is Conventional with 727 applications and an average loan amount of $1,022,813.
What loan purposes does National Cooperative Bank, N.A. serve?
National Cooperative Bank, N.A. serves the following loan purposes: Home Purchase (554 applications), Refinancing (136 applications), Other (97 applications), Cash-out Refinancing (39 applications), Home Improvement (11 applications). Home Purchase is the most common purpose.
Where is National Cooperative Bank, N.A. located?
National Cooperative Bank, N.A. is headquartered in HILLSBORO, OH. The lender is identified by LEI 5493001GAASLCSP1PB64 in HMDA data.
How does National Cooperative Bank, N.A. compare in lending across racial demographics?
National Cooperative Bank, N.A. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 65.8% and denial rate of 15.8%; Asian applicants have an approval rate of 79.0% and denial rate of 8.1%; Black or African American applicants have an approval rate of 51.1% and denial rate of 29.8%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.