NBT Bank, National Association received 4,231 applications in 2025 and made
2,740 mortgages, in 107 counties across 8 states.
The median rate its borrowers got was 5.000% on a median loan of $125,000.
Of 3,896 decisions, 912 were denials — 23.4%, most often for debt-to-income ratio.
When NBT Bank, National Association’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.