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The home of your dreams is closer than you think.

Get your low-rate co-op mortgage today!

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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.


NCB makes purchasing a unit or refinancing a loan simple


  • Calculator

    Get a low fixed or adjustable-rate mortgage

  • hand-shaking

    Close with less money down

  • check-mark

    Pre-qualify on the day you apply


  • safe

    Secure a better rate for your loan

  • lower-payments

    Lower your monthly payments

  • home

    Get cash for the equity in your home


“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.


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

Secure your loan icon

Step 3

Secure your new loan

Stats the other banks can't match


of lending experience for
cooperative owners


of customers satisfied or extremely satisfied with the NCB team


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.