Lenders › Nbt Bank NA › New York
Nbt Bank NA in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Nbt Bank NA's 2024 HMDA record for New York covers 2,015 applications, 1,279 of them originated, worth $324m.
Its denial rate in the state was 25.1%, close to the New York rate of 25.4% across all lenders and compared with the lender's national rate of 23.9%.
The median rate spread on its New York originations was -2.6 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Nbt Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.1% | 25.4% | 23.9% | 24.3% |
| Median rate spread, pp | -2.6 | 0.3 | -2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.3% | 15.0% | 0.4% | 15.6% |
| Average originated loan | $254k | $446k | $309k | $329k |
| Home purchase share | 40.6% | 55.3% | 41.0% | 57.0% |
| FHA-insured share | 0.5% | 7.4% | 0.5% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 41% (519)Home improvement 17% (219)Refinancing 20% (257)Cash-out refinancing 2% (31)Other purpose 20% (253)
By type
Conventional 99% (1,272)FHA 1% (7)
Denial reasons as coded
Share of 460 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Onondaga County | 214 | 146 | $25m | 23.0% |
| Oneida County | 178 | 129 | $21m | 16.2% |
| Chenango County | 147 | 105 | $10m | 18.1% |
| Madison County | 143 | 105 | $18m | 13.6% |
| Otsego County | 119 | 70 | $9.3m | 29.1% |
| Broome County | 103 | 69 | $9.0m | 24.2% |
| Fulton County | 114 | 61 | $9.2m | 35.6% |
| Oswego County | 90 | 60 | $7.5m | 28.7% |
| Cortland County | 90 | 57 | $6.5m | 31.0% |
| Montgomery County | 94 | 53 | $6.6m | 28.0% |
| Saratoga County | 86 | 44 | $13m | 32.1% |
| Warren County | 46 | 35 | $9.4m | 13.3% |
| Delaware County | 53 | 33 | $5.1m | 26.1% |
| Albany County | 45 | 30 | $17m | 20.0% |
| St. Lawrence County | 54 | 29 | $3.1m | 34.7% |
| Essex County | 37 | 25 | $17m | 15.6% |
| Clinton County | 40 | 23 | $5.5m | 39.5% |
| Dutchess County | 38 | 22 | $6.5m | 29.7% |
| Greene County | 38 | 21 | $7.5m | 33.3% |
| Schenectady County | 33 | 20 | $46m | 29.0% |
| Schoharie County | 32 | 19 | $1.9m | 33.3% |
| Franklin County | 37 | 16 | $2.3m | 28.1% |
| Herkimer County | 34 | 16 | $2.2m | 37.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Nbt Bank NA originate in New York in 2024?
1,279 loans totalling $324m, from 2,015 applications reported for properties in New York.
What is Nbt Bank NA's denial rate in New York?
25.1% of decided applications in New York were denied, against 25.4% for all lenders in the state and 23.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does Nbt Bank NA lend in most?
By originations: Onondaga County (146), Oneida County (129), Chenango County (105), Madison County (105), Otsego County (70).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.