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The home of your dreams is closer than you think.

Get your low-rate co-op mortgage today!

Get Started

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About NCB

We're a bank on a mission to build local communities. Whether you're buying a new home or refinancing, with more than 40 years of cooperative lending experience, NCB is THE co-op lending expert you can trust.

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NCB makes purchasing a unit or refinancing a loan simple

Mortgage

  • Calculator

    Get a low fixed or adjustable-rate mortgage

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    Close with less money down

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    Pre-qualify on the day you apply

Refinancing

  • safe

    Secure a better rate for your loan

  • lower-payments

    Lower your monthly payments

  • home

    Get cash for the equity in your home

Testimonials

“I do not think I could have done this without you!! Your patience and kindness you showed me was greatly appreciated.”

-Janice P.

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“We appreciate your clear and simple process! We did a refinance a few years ago with another bank and the documentation was a nightmare. Thanks for a painless process!”

-Tom A.

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"WOW! That was unexpectedly fast! Thanks so much for being so great to work with, especially during this exceptionally unusual time."

-Danielle B.

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Meet Brittney

While other banks talk about personalized service, NCB delivers. With over 15 years at the bank, Brittney will be with you every step of the way.

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Nothing makes me happier than building relationships with our clients. People can’t believe that I’m still here for them when they come to refinance a mortgage they got from NCB 10 years ago.

How it Works

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Step 1

Fill out our simple application in about 5 minutes.

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Step 2

Our dedicated team will process your application

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Step 3

Secure your new loan

Stats the other banks can't match

40years

of lending experience for
cooperative owners

95%

of customers satisfied or extremely satisfied with the NCB team

5,500

current co-op customers

About Co-op and Mortgage Refinancing

Cooperative units are a popular choice for homeownership in New York. For anyone looking to buy a co-op or refinance their loan, an important step is finding a loan or mortgage, often called a share loan This is because cooperative mortgages are different from traditional loans for single family homes. With more than 40 years of cooperative experience NCB is the co-op lending expert you can trust.