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Community Association Loans

Helping to Protect the Financial and Physical Health of Communities

Community associations—including condominium and homeowners associations—need access to capital to pay for large scale projects. With over two decades of experience in community association lending, NCB will work with the association to provide the best financing to meet the needs of the community.

Olive Park Condominium

Loan Products

  • Term Loans up to 15 years
  • Line of Credit/ Term Loan Combination

Loan Size and Purpose

  • $250,000 minimum
  • Capital improvements and repairs
  • Developer deficiencies

Key Requirements

  • Delinquency is <10% of annual income
  • Delinquent units are <15% of total units
  • Balance in reserves is ≥10% of gross income
  • At least 20 units and 50% owner occupied

We Serve the Basic Ingredients of Sustainable Communities

  • Alaska & Native

    Banking Solutions for Alaska Business and Native Corporations

  • Co-op Housing & HOA

    Banking Solutions for Housing Communities and Property Management Companies

  • Credit Unions

    Cooperative solutions for Credit Unions, Leagues and CUSOs

  • Energy

    Providing innovative renewable energy financing programs

  • Food

    Banking solutions for food co-ops and independent grocery retailers

  • Health Care

    Banking solutions for Senior Living, Aging services and Health Care

  • Non-Profit

    Banking solutions for non-profits and socially responsible organizations

  • Small Business

    Banking solutions for independent retailers, purchasing co-ops and worker-owned co-ops.

co op housing with solar panels


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When the board members of Kips Bay Towers Condominium decided their iconic property in New York City needed capital improvements, their work was only just beginning.
New Windows Work Wonders for Montello Condominiums
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A window replacement project helps Washington D.C.’s Monticello Condominium Association deliver modern benefits with a historic look.
Community Association Loans: What, Why & How
Featured Post
Community Association Loans: What, Why & How
Capital improvements in community associations are always needed.  These include but not limited to roof replacements, balconies, ...

Have questions about which loan is right for your association?

One of our banking specialists can guide you through the process.

Speak with a banking specialist today