National Cooperative Bank N.A. Mortgage Lending & HMDA Data, 2014
In 2014, National Cooperative Bank N.A. of Hillsboro, OH reported 1,368 mortgage applications totaling $638.5 million, down 39% from 2013. The average application was for $466,749, and applicants reported an average income of $100,886. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (476), Anaheim-Santa Ana-Irvine, CA (166) and Oakland-Hayward-Berkeley, CA (117) (applications in parentheses).
| Mortgage Company & Address | National Cooperative Bank N.A. 139 High Street Hillsboro, OH 45133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,368 |
| Total Mortgage Loan Application Amount | $638,513,000 |
| Average Mortgage Loan Application Amount | $466,749 |
| Highest Mortgage Loan Application Amount | $8,100,000 |
| Average Applicant Income | $100,886 |
| Highest Applicant Income | $1,579,000 |
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records National Cooperative Bank N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York, New York | 256 | $ 240,513,000 | $ 939,503 | $ 136,000 |
| Orange, California | 166 | $ 23,072,000 | $ 138,987 | $ 94,000 |
| Contra Costa, California | 97 | $ 16,999,000 | $ 175,247 | $ 100,000 |
| San Francisco, California | 92 | $ 49,887,000 | $ 542,250 | $ 193,000 |
| District of Columbia, District Of Columbia | 80 | $ 17,005,000 | $ 212,562 | $ 113,000 |
| Queens, New York | 78 | $ 55,425,000 | $ 710,576 | $ 86,000 |
| Los Angeles, California | 76 | $ 14,502,000 | $ 190,815 | $ 81,000 |
| Kings, New York | 71 | $ 33,895,000 | $ 477,394 | $ 117,000 |
| King, Washington | 69 | $ 11,020,000 | $ 159,710 | $ 64,000 |
| Highland, Ohio | 37 | $ 3,471,000 | $ 93,810 | $ 66,000 |
| Westchester, New York | 35 | $ 36,321,000 | $ 1,037,742 | $ 66,000 |
| Cook, Illinois | 29 | $ 3,564,000 | $ 122,896 | $ 66,000 |
| Fairfield, Connecticut | 24 | $ 2,202,000 | $ 91,750 | $ 58,000 |
| Bronx, New York | 23 | $ 25,733,000 | $ 1,118,826 | $ 31,000 |
| Prince George's, Maryland | 21 | $ 2,666,000 | $ 126,952 | $ 85,000 |
| Alameda, California | 20 | $ 4,500,000 | $ 225,000 | $ 96,000 |
| Montgomery, Maryland | 18 | $ 9,307,000 | $ 517,055 | $ 80,000 |
| Nassau, New York | 17 | $ 12,678,000 | $ 745,764 | $ 100,000 |
| Macomb, Michigan | 15 | $ 332,000 | $ 22,133 | $ 41,000 |
| Hennepin, Minnesota | 15 | $ 1,620,000 | $ 108,000 | $ 85,000 |
| Washtenaw, Michigan | 14 | $ 8,551,000 | $ 610,785 | $ 50,000 |
| Suffolk, New York | 14 | $ 12,297,000 | $ 878,357 | $ 102,000 |
| Wayne, Michigan | 7 | $ 635,000 | $ 90,714 | $ 103,000 |
| Oakland, Michigan | 6 | $ 482,000 | $ 80,333 | $ 30,000 |
| Brown, Ohio | 6 | $ 598,000 | $ 99,666 | $ 64,000 |
| Anchorage, Alaska | 5 | $ 450,000 | $ 90,000 | $ 82,000 |
| Santa Clara, California | 5 | $ 1,980,000 | $ 396,000 | $ 159,000 |
| Baltimore City, Maryland | 5 | $ 509,000 | $ 101,800 | $ 96,000 |
| Hampden, Massachusetts | 5 | $ 131,000 | $ 26,200 | $ 57,000 |
| Hudson, New Jersey | 5 | $ 4,655,000 | $ 931,000 | $ 45,000 |
| Marin, California | 3 | $ 469,000 | $ 156,333 | $ 81,000 |
| San Mateo, California | 3 | $ 1,054,000 | $ 351,333 | $ 158,000 |
| Howard, Maryland | 3 | $ 3,987,000 | $ 1,329,000 | $ 0 |
| Dakota, Minnesota | 3 | $ 229,000 | $ 76,333 | $ 48,000 |
| Bergen, New Jersey | 3 | $ 419,000 | $ 139,666 | $ 116,000 |
| Clermont, Ohio | 3 | $ 408,000 | $ 136,000 | $ 68,000 |
| Miami-Dade, Florida | 2 | $ 152,000 | $ 76,000 | $ 35,000 |
| Richmond, New York | 2 | $ 6,000,000 | $ 3,000,000 | $ 0 |
| Rockland, New York | 2 | $ 8,340,000 | $ 4,170,000 | $ 39,000 |
| Adams, Ohio | 2 | $ 191,000 | $ 95,500 | $ 24,000 |
| Clinton, Ohio | 2 | $ 108,000 | $ 54,000 | $ 47,000 |
| Montgomery, Pennsylvania | 2 | $ 2,900,000 | $ 1,450,000 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 3,370,000 | $ 1,685,000 | $ 0 |
| Norfolk, Virginia | 2 | $ 131,000 | $ 65,500 | $ 51,000 |
| Kitsap, Washington | 2 | $ 482,000 | $ 241,000 | $ 121,000 |
| Boulder, Colorado | 1 | $ 300,000 | $ 300,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 80,000 | $ 80,000 | $ 139,000 |
| Palm Beach, Florida | 1 | $ 52,000 | $ 52,000 | $ 39,000 |
| Cobb, Georgia | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Fulton, Georgia | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 2,725,000 | $ 2,725,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 208,000 | $ 208,000 | $ 173,000 |
| Morris, New Jersey | 1 | $ 140,000 | $ 140,000 | $ 99,000 |
| Union, New Jersey | 1 | $ 230,000 | $ 230,000 | $ 49,000 |
| Fayette, Ohio | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Hamilton, Ohio | 1 | $ 3,400,000 | $ 3,400,000 | $ 0 |
| Ross, Ohio | 1 | $ 250,000 | $ 250,000 | $ 50,000 |
| Bucks, Pennsylvania | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Dallas, Texas | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 72,000 | $ 72,000 | $ 12,000 |
| Nelson, Virginia | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Prince William, Virginia | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for National Cooperative Bank N.A. in 2014
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 | 719 | $179,832,000 | $250,000 | $2,500,000 | $131,000 | $1,500,000 |
| Refinancing | 561 | $403,676,000 | $719,000 | $8,100,000 | $64,000 | $1,579,000 |
| Home Improvement | 88 | $55,005,000 | $625,000 | $4,200,000 | $90,000 | $1,575,000 |
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 |
|---|---|---|---|---|---|---|
| White | 742 | $176,413,000 | $237,000 | $2,750,000 | $124,000 | $1,579,000 |
| Not applicable | 279 | $378,149,000 | $1,355,000 | $8,100,000 | $0 | $0 |
| Not Provided | 158 | $40,668,000 | $257,000 | $1,883,000 | $144,000 | $1,500,000 |
| Asian | 103 | $27,598,000 | $267,000 | $1,260,000 | $151,000 | $1,334,000 |
| Hispanic | 47 | $8,653,000 | $184,000 | $480,000 | $106,000 | $321,000 |
| Black or African American | 34 | $5,589,000 | $164,000 | $920,000 | $85,000 | $320,000 |
| American Indian or Alaskan Native | 4 | $343,000 | $85,000 | $119,000 | $52,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,100,000 | $1,100,000 | $1,100,000 | $250,000 | $250,000 |
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) | 1,368 | $638,513,000 | $466,000 | $8,100,000 | $101,000 | $1,579,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $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 | 1,017 | $546,851,000 | $537,000 | $8,100,000 | $100,000 | $1,579,000 |
| Application Denied By Financial Institution | 162 | $32,967,000 | $203,000 | $1,500,000 | $96,000 | $521,000 |
| Application Withdrawn By Applicant | 83 | $19,206,000 | $231,000 | $1,313,000 | $125,000 | $730,000 |
| Application Approved But Not Accepted | 63 | $32,994,000 | $523,000 | $8,000,000 | $104,000 | $478,000 |
| File Closed For Incompleteness | 43 | $6,495,000 | $151,000 | $375,000 | $99,000 | $440,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 74 | $15,193,000 | $205,000 | $1,500,000 | $83,000 | $521,000 |
| Credit History | 38 | $6,438,000 | $169,000 | $1,260,000 | $84,000 | $322,000 |
| Collateral | 34 | $7,201,000 | $211,000 | $1,200,000 | $130,000 | $412,000 |
| Employment History | 7 | $1,573,000 | $224,000 | $365,000 | $98,000 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,214,000 | $404,000 | $800,000 | $153,000 | $250,000 |
| Mortgage Insurance Denied | 3 | $716,000 | $238,000 | $351,000 | $89,000 | $149,000 |
| Unverifiable Information | 3 | $632,000 | $210,000 | $360,000 | $99,000 | $200,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Cooperative Bank N.A.'s 2014 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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