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NBT Bank, National Association
Bank|Norwich, NY|Multi-Region
Loans Originated
648
Applications
841
Volume
$185 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.086%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,035
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 8.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
NBT Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$285,664
Average Borrower Income
$161,469
Average Property Value
$385,926
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 613 | 94.6% | -0.088% | $1,033 |
FHA Loans | Acceptable | Acceptable | N/A | Acceptable | 10 | 1.5% | +0.410% | $1,029 |
Jumbo Loans | Strong | Strong | N/A | Strong | 25 | 3.9% | -0.382% | $1,149 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 598 | 92.3% | -0.115% | $1,007 |
Refinance | Sound | Sound | Strong | Sound | 50 | 7.7% | +0.226% | $1,336 |
Geographic Coverage
Metro Areas
8
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTFLMAMENHNYPAVT
Top Metro Areas by Place Specialization Score
1
Syracuse, NY, NYMSA
Volume: 121Mix: 18.67%
Place Specialization
Strong
2
Utica, NYMSA
Volume: 55Mix: 8.49%
Place Specialization
Strong
3
Scranton, PAMSA
Volume: 67Mix: 10.34%
Place Specialization
Strong
4
Binghamton, NY, NYMSA
Volume: 25Mix: 3.86%
Place Specialization
Sound
5
Albany, NYMSA
Volume: 38Mix: 5.86%
Place Specialization
Sound
6
Rockingham County, NHMSA
Volume: 21Mix: 3.24%
Place Specialization
Sound
7
Glens Falls, NY, NYMSA
Volume: 17Mix: 2.62%
Place Specialization
Sound
8
Manchester, NHMSA
Volume: 13Mix: 2.01%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 450Mix: 69.44%
Place Specialization
Exceptional
2
PAState
Volume: 121Mix: 18.67%
Place Specialization
Strong
3
NHState
Volume: 40Mix: 6.17%
Place Specialization
Sound
4
CTState
Volume: 15Mix: 2.31%
Place Specialization
Sound
5
MAState
Volume: 10Mix: 1.54%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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