# NBT Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/nbt-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NBT Bank, National Association is a bank, headquartered in Norwich, NY, serving borrowers across 8 states, with 648 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493009BOQDC6PCFR785
- **Headquarters:** Norwich, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** CT, FL, MA, ME, NH, NY, PA, VT
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.086%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,035
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 648
- **Dollar Volume:** $185 million
- **Applications Received:** 841
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $285,664
- **Average Borrower Income:** $161,469
- **Average Property Value:** $385,926

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 613 | -0.088% | $1,033 | Strong 😀 |
| FHA | 34/100 | 10 | +0.410% | $1,029 | Acceptable 🙂 |
| Jumbo | 67/100 | 25 | -0.382% | $1,149 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 567 loans, Score: 70/100 (Strong)
- Refinance: 46 loans, Score: 44/100 (Sound)

**Jumbo:**
- Purchase: 21 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 598 | $170M | -0.115% | Strong 😀 |
| Refinance | 42/100 | 50 | $15M | +0.226% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 450 | 0.40% | 81/100 |
| PA | 121 | 0.10% | 66/100 |
| NH | 40 | 0.26% | 59/100 |
| CT | 15 | 0.04% | 44/100 |
| MA | 10 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 249 | 67/100 |
| Syracuse, NY | NY | 121 | 75/100 |
| Scranton | PA | 67 | 73/100 |
| Utica | NY | 55 | 74/100 |
| Albany | NY | 38 | 57/100 |
| Binghamton, NY | NY | 25 | 58/100 |
| Rockingham County | NH | 21 | 54/100 |
| Glens Falls, NY | NY | 17 | 52/100 |
| Manchester | NH | 13 | 47/100 |

## Where This Lender Ranks

NBT Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Utica Banks
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks)
- 🥈 **#2** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks)
- 🥈 **#2** in Syracuse, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Scranton
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders)
- 🥈 **#2** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🥈 **#2** in Scranton for Conventional Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Utica for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Albany for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Syracuse, NY Banks
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks)
- 🥉 **#3** in Albany for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Binghamton, NY Banks
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks)
- 🥉 **#3** in Glens Falls, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Binghamton, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🏆 **#5** in Rockingham County Banks
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks)
- 🏆 **#5** in Rockingham County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Manchester for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Utica for Conventional Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does NBT Bank, National Association offer?

NBT Bank, National Association offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NBT Bank, National Association offer mortgages?

NBT Bank, National Association offers mortgages in 8 states: CT, FL, MA, ME, NH, NY, PA, VT.

### How competitive are NBT Bank, National Association's mortgage rates?

NBT Bank, National Association has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.086% below market average.

### What type of lender is NBT Bank, National Association?

NBT Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Norwich, NY.

### What is NBT Bank, National Association's loan approval success rate?

NBT Bank, National Association has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nbt-bank-national-association

### How to Cite

> "NBT Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nbt-bank-national-association

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