Lender profile · HMDA 2023–2025
NBT Bank, National Association mortgage approval rates & lending data
NBT Bank, National Association decided 3,670 mortgage applications and funded 2,727 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Maine | 84% | $495K | 19 | 16 |
| Florida | 80% | $155K | 5 | 4 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.