National Cooperative Bank in California vs the state
6.6%Denial rate-10.87 pts vs state
8.0%Decision denial rate-14.43 pts vs state
74.4%Origination rate+18.20 pts vs state
6.50%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$202kMedian applicant income
125Loans originated
11Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 105 | 4.4% | 6.38% | #380 |
| 2024 | 167 | 129 | 6.0% | 6.63% | #368 |
| 2025 | 168 | 125 | 6.6% | 6.50% | #386 |
What National Cooperative Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most National Cooperative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Francisco County | 87 | 77 | 1 | 1.1% |
| Los Angeles County | 65 | 38 | 7 | 10.8% |
| Alameda County | 10 | 6 | 1 | 10.0% |
| Marin County | 4 | 3 | 1 | 25.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 168 applications in 2025, of which 125 were originated and 11 denied.
6.6% of all applications, or 8.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans National Cooperative Bank originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are National Cooperative Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology