NBT Bank, National Association mortgage approval rate & lending review
NBT Bank, National Association decided 3,670 mortgage applications and funded 2,727 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions NBT Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
NBT Bank, National Association at a glance
Approval is 2.5 points above the 78.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,152 / 1,265 | 91% | $205K | 1,052 |
| Home improvement loans | 67% | 467 / 701 | 93% | $65K | 433 |
| Cash-out refinance | 71% | 74 / 104 | 86% | $175K | 64 |
| Refinance | 79% | 855 / 1,086 | 95% | $105K | 815 |
| Investment property purchase | 86% | 309 / 359 | 87% | $185K | 269 |
| Investment refinance | 64% | 51 / 80 | 96% | $205K | 49 |
| Investment home improvement | 67% | 36 / 54 | 92% | $115K | 33 |
NBT Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 80% | $165K | 2,331 | 1,710 |
| Pennsylvania | 82% | $85K | 678 | 508 |
| Massachusetts | 79% | $115K | 190 | 138 |
| Connecticut | 80% | $155K | 177 | 136 |
| New Hampshire | 85% | $435K | 163 | 130 |
| Vermont | 88% | $155K | 107 | 85 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where NBT Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Mortgage lenders | 92% | 196 | 170 |
| Lackawanna County, PA | Refinance | 86% | 169 | 143 |
| Oneida County, NY | Mortgage lenders | 93% | 148 | 126 |
| Lackawanna County, PA | Mortgage lenders | 96% | 143 | 119 |
| Onondaga County, NY | Refinance | 80% | 145 | 110 |
| Erie County, NY | Mortgage lenders | 93% | 94 | 83 |
| Broome County, NY | Mortgage lenders | 92% | 96 | 80 |
| Oswego County, NY | Refinance | 82% | 85 | 68 |
| Oneida County, NY | Refinance | 79% | 86 | 66 |
| Luzerne County, PA | Mortgage lenders | 92% | 64 | 56 |
| Saratoga County, NY | Mortgage lenders | 91% | 70 | 55 |
| Oneida County, NY | Home improvement loans | 82% | 72 | 54 |
The county markets where NBT Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about NBT Bank, National Association
What is NBT Bank, National Association's mortgage approval rate?
NBT Bank, National Association approved 80.7% of the 3,670 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 78.2% national rate for the same mix of loan types.
How often do borrowers take the loan NBT Bank, National Association offers?
Borrowers accepted 92% of the loans NBT Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does NBT Bank, National Association make?
The typical home purchase mortgage loan NBT Bank, National Association made was $205K; across all loan types its typical loan ran from $65K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does NBT Bank, National Association lend?
NBT Bank, National Association decided applications in 8 of the states Fat Boy Data covers, most of them in New York, Pennsylvania and Massachusetts.
Can I apply to NBT Bank, National Association directly?
Yes. NBT Bank, National Association is a bank or credit union with 175 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show NBT Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how NBT Bank, National Association treats applications, then get a rate quote from the lender.