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NBT Bank

Bank•Norwich, NYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from NBT Bank — 648 loans across 841 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 8 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

NBT Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.6 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume613
Mix94.6%
Spread
-0.088%Below
Fees
$1,033Fees
FHA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume10
Mix1.5%
Spread
+0.410%Above
Fees
$1,029Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume25
Mix3.9%
Spread
-0.382%Below
Fees
$1,149Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume598
Mix92.3%
Spread
-0.115%Below
Fees
$1,007Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume50
Mix7.7%
Spread
+0.226%Above
Fees
$1,336Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
648
Applications
841
Volume
$185 million
Pricing & Closing
Avg Rate Spread
-0.086%
vs. market APOR
Avg Net Fees
$1,035
Origination − Credits
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$285,664
Avg Borrower Income
$161,469
Avg Property Value
$385,926

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast7
CTMEMANHNYPAVT
South1
FL

Top Metro Areas by Place Specialization Score

1© Stilfehler · CC BY-SA 3.0
Syracuse, NYMetro
Volume 121Mix 18.67% of portfolio
75/100
Strong
2© Andrey Volk · CC BY-SA 4.0
Utica, NYMetro
Volume 55Mix 8.49% of portfolio
74/100
Strong
3© David Chesek · Public domain
Scranton, PAMetro
Volume 67Mix 10.34% of portfolio
73/100
Strong
4© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 25Mix 3.86% of portfolio
58/100
Sound
5© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 38Mix 5.86% of portfolio
57/100
Sound
6© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 21Mix 3.24% of portfolio
54/100
Sound
7© Quintin Soloviev · CC BY 4.0
Glens Falls, NYMetro
Volume 17Mix 2.62% of portfolio
52/100
Sound
8© Quintin Soloviev · CC BY 4.0
Manchester, NHMetro
Volume 13Mix 2.01% of portfolio
47/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 450Mix 69.44% of portfolio
81/100
Exceptional
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 121Mix 18.67% of portfolio
66/100
Strong
New Hampshire
New Hampshire
3
New HampshireState
Volume 40Mix 6.17% of portfolio
59/100
Sound
Connecticut
Connecticut
4
ConnecticutState
Volume 15Mix 2.31% of portfolio
44/100
Sound
Massachusetts
Massachusetts
5
MassachusettsState
Volume 10Mix 1.54% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.