National Cooperative Bank in New York vs the state
13.2%Denial rate-6.54 pts vs state
15.2%Decision denial rate-8.82 pts vs state
72.2%Origination rate+12.62 pts vs state
6.54%Median rate-0.08 pts vs state
0.23Rate spread (pts)+0.02 pts vs state
$141kMedian applicant income
317Loans originated
58Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 312 | 201 | 18.3% | 6.33% | #159 |
| 2024 | 302 | 195 | 20.2% | 6.75% | #163 |
| 2025 | 439 | 317 | 13.2% | 6.54% | #148 |
What National Cooperative Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most National Cooperative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 181 | 135 | 17 | 9.4% |
| Queens County | 78 | 49 | 16 | 20.5% |
| Kings County | 51 | 36 | 8 | 15.7% |
| Westchester County | 45 | 32 | 7 | 15.6% |
| Bronx County | 40 | 27 | 6 | 15.0% |
| Nassau County | 26 | 24 | 1 | 3.8% |
| Suffolk County | 12 | 10 | 1 | 8.3% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Dutchess County | 1 | 0 | 1 | 100.0% |
| Richmond County | 1 | 0 | 1 | 100.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 439 applications in 2025, of which 317 were originated and 58 denied.
13.2% of all applications, or 15.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans National Cooperative Bank originated in New York in 2025 was 6.54%, against a statewide median of 6.63%.
About this data. Figures are National Cooperative Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology