National Cooperative Bank, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, National Cooperative Bank, N.A. of Hillsboro, OH reported 1,015 mortgage applications totaling $969.4 million, up 20% from 2024. The average application was for $955,049, and applicants reported an average income of $189,053. 61% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (413), San Francisco-Redwood City-South San Francisco, CA (87) and Los Angeles-Long Beach-Glendale, CA (66) (applications in parentheses).
| Mortgage Company & Address | National Cooperative Bank, N.A. 139 South High Street Hillsboro, OH 45133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,015 |
| Total Mortgage Loan Application Amount | $969,375,000 |
| Average Mortgage Loan Application Amount | $955,049 |
| Highest Mortgage Loan Application Amount | $42,005,000 |
| Average Applicant Income | $189,053 |
| Highest Applicant Income | $3,558,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Cooperative Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 413 | $ 702,785,000 | $ 1,701,658 | $ 172,394 |
| San Francisco-Redwood City-South San Francisco, CA | 87 | $ 59,695,000 | $ 686,149 | $ 285,000 |
| Los Angeles-Long Beach-Glendale, CA | 66 | $ 28,140,000 | $ 426,363 | $ 240,000 |
| Washington, DC-MD | 52 | $ 15,940,000 | $ 306,538 | $ 202,865 |
| Nassau County-Suffolk County, NY | 48 | $ 79,490,000 | $ 1,656,041 | $ 130,000 |
| Warren-Troy-Farmington Hills, MI | 40 | $ 2,770,000 | $ 69,250 | $ 65,000 |
| Detroit-Dearborn-Livonia, MI | 36 | $ 4,280,000 | $ 118,888 | $ 98,000 |
| Outside any metro area | 33 | $ 8,135,000 | $ 246,515 | $ 115,142 |
| Seattle-Bellevue-Everett, WA | 27 | $ 7,505,000 | $ 277,962 | $ 141,000 |
| Washington-Baltimore-Arlington, DC | 18 | $ 3,770,000 | $ 209,444 | $ 187,000 |
| Baltimore-Columbia-Towson, MD | 14 | $ 2,340,000 | $ 167,142 | $ 88,000 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 2,380,000 | $ 238,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 2,920,000 | $ 292,000 | $ 124,000 |
| Chicago-Naperville, IL | 9 | $ 12,945,000 | $ 1,438,333 | $ 86,000 |
| Albuquerque, NM | 7 | $ 785,000 | $ 112,142 | $ 0 |
| Ann Arbor, MI | 7 | $ 945,000 | $ 135,000 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 3,765,000 | $ 537,857 | $ 44,000 |
| Arlington-Alexandria-Reston, VA-WV | 6 | $ 1,370,000 | $ 228,333 | $ 187,000 |
| Newark, NJ-PA | 6 | $ 2,070,000 | $ 345,000 | $ 154,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,055,000 | $ 211,000 | $ 0 |
| Boston, MA | 5 | $ 2,285,000 | $ 457,000 | $ 134,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 775,000 | $ 155,000 | $ 10,000 |
| Tampa, FL | 5 | $ 1,285,000 | $ 257,000 | $ 144,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 760,000 | $ 190,000 | $ 0 |
| Dallas-Plano-Irving, TX | 4 | $ 1,120,000 | $ 280,000 | $ 0 |
| San Rafael, CA | 4 | $ 1,570,000 | $ 392,500 | $ 147,000 |
| Camden, NJ | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 865,000 | $ 288,333 | $ 159,000 |
| Philadelphia, PA | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Providence-Warwick, RI-MA | 3 | $ 685,000 | $ 228,333 | $ 0 |
| Springfield, MA | 3 | $ 375,000 | $ 125,000 | $ 52,000 |
| Amarillo, TX | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 260,000 | $ 130,000 | $ 53,000 |
| Columbus, OH | 2 | $ 380,000 | $ 190,000 | $ 218,000 |
| Gainesville, FL | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Jacksonville, FL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Lansing-East Lansing, MI | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 540,000 | $ 270,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,400,000 | $ 700,000 | $ 339,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Albany, OR | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Anchorage, AK | 1 | $ 215,000 | $ 215,000 | $ 291,000 |
| Bay City, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 135,000 | $ 135,000 | $ 163,000 |
| Cleveland, OH | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Columbia, SC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 285,000 | $ 285,000 | $ 25,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Kenosha, WI | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Lafayette, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lake Charles, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Las Cruces, NM | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lawrence, KS | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lincoln, NE | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Lubbock, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Marietta, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Midland, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Minot, ND | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Mobile, AL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Monroe, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 555,000 | $ 555,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Roanoke, VA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rochester, MN | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 375,000 | $ 375,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Williamsport, PA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for National Cooperative Bank, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 594 | $186,330,000 | $313,000 | $1,355,000 | $185,000 | $3,558,000 |
| Refinancing | 239 | $730,305,000 | $3,055,000 | $42,005,000 | $231,000 | $775,000 |
| Other Purpose | 88 | $12,990,000 | $147,000 | $1,255,000 | $135,000 | $674,000 |
| Cash-out Refinancing | 71 | $36,785,000 | $518,000 | $7,505,000 | $152,000 | $885,000 |
| Not Applicable | 18 | $1,780,000 | $98,000 | $205,000 | $0 | $0 |
| Home Improvement | 5 | $1,185,000 | $237,000 | $675,000 | $143,000 | $282,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 387 | $780,735,000 | $2,017,000 | $42,005,000 | $0 | $0 |
| White | 328 | $103,390,000 | $315,000 | $1,355,000 | $198,000 | $3,558,000 |
| Not Provided | 107 | $30,065,000 | $280,000 | $1,085,000 | $144,000 | $768,000 |
| Hispanic | 75 | $19,745,000 | $263,000 | $1,065,000 | $147,000 | $580,000 |
| Asian | 70 | $26,620,000 | $380,000 | $1,335,000 | $189,000 | $600,000 |
| Black or African American | 46 | $8,060,000 | $175,000 | $705,000 | $130,000 | $554,000 |
| American Indian or Alaskan Native | 2 | $760,000 | $380,000 | $625,000 | $210,000 | $221,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 852 | $930,270,000 | $1,091,000 | $42,005,000 | $177,000 | $3,558,000 |
| FHA-insured (Federal Housing Administration) | 163 | $39,105,000 | $239,000 | $625,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 615 | $816,545,000 | $1,327,000 | $42,005,000 | $184,000 | $775,000 |
| Loan Purchased By The Institution | 163 | $39,105,000 | $239,000 | $625,000 | $0 | $0 |
| Application Withdrawn By Applicant | 107 | $61,625,000 | $575,000 | $15,005,000 | $203,000 | $1,150,000 |
| Application Denied By Financial Institution | 98 | $33,930,000 | $346,000 | $5,305,000 | $91,000 | $885,000 |
| File Closed For Incompleteness | 23 | $13,105,000 | $569,000 | $3,505,000 | $157,000 | $300,000 |
| Application Approved But Not Accepted | 9 | $5,065,000 | $562,000 | $3,605,000 | $563,000 | $3,558,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 917 | $935,445,000 | $1,020,000 | $42,005,000 | $192,000 | $3,558,000 |
| Debt-To-Income Ratio | 30 | $8,220,000 | $274,000 | $3,005,000 | $98,000 | $400,000 |
| Credit Application Incomplete | 22 | $3,190,000 | $145,000 | $1,005,000 | $0 | $0 |
| Other | 22 | $19,380,000 | $880,000 | $5,305,000 | $153,000 | $885,000 |
| Credit History | 17 | $2,135,000 | $125,000 | $775,000 | $132,000 | $368,000 |
| Collateral | 6 | $910,000 | $151,000 | $245,000 | $94,000 | $194,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Cooperative Bank, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess National Cooperative Bank, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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