Lender in New York · HMDA 2025
NBT Bank, N.A. mortgages in New York
NBT Bank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
NBT Bank, N.A. originated 534 owner-occupied single-family loans in New York from 651 completed applications.
Its median conventional purchase loan costs were $3,960 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
534
of 651 applications
Denial rate
4.6%
Purchase · NY 9.5%
Rate spread
−0.10 pts
Conv. · NY +0.07 pts
Loan amount
$215,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 570 | 489 | 4.6% | 6.375% | −0.10 pts | $3,960 | $215,000 |
| Refinance | 22 | 14 | 27.3% | — | — | — | — |
| Cash-out refinance | 59 | 31 | 33.9% | — | +0.33 pts | $4,130 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where NBT Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chenango County | 3 | 41 | 13.2% |
| Otsego County | 4 | 22 | 5.6% |
| Cortland County | 6 | 12 | 3.9% |
| Delaware County | 6 | 9 | 3.5% |
| Franklin County | 6 | 8 | 3.9% |
| Madison County | 7 | 19 | 3.2% |
| St. Lawrence County | 8 | 15 | 2.8% |
| Fulton County | 8 | 14 | 3.2% |
| Montgomery County | 9 | 14 | 3.3% |
| Clinton County | 10 | 7 | 1.4% |
| Broome County | 11 | 32 | 2.4% |
| Oneida County | 13 | 44 | 2.4% |
| Herkimer County | 13 | 10 | 2.2% |
| Warren County | 13 | 10 | 1.8% |
| Hamilton County | 13 | 1 | 2.3% |
| Greene County | 14 | 5 | 1.3% |
| Oswego County | 16 | 19 | 1.8% |
| Erie County | 20 | 83 | 0.9% |
| Onondaga County | 20 | 59 | 1.4% |
| Saratoga County | 21 | 23 | 0.9% |
| Schoharie County | 21 | 3 | 1.2% |
| Cayuga County | 22 | 6 | 1.1% |
| Yates County | 22 | 1 | 0.6% |
| Genesee County | 24 | 3 | 0.6% |
| Essex County | 25 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology