NBT Bank, National Association: what its borrowers actually paid (2025)
NBT Bank, National Association reported 966 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 36 counties in 5 states, and 666 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
595 loans
across 32 counties with at least 5 such loans, 2025.
Refinance
371 loans
across 30 counties with at least 5 such loans, 2025.
Where NBT Bank, National Association stands
Statewide, NBT Bank, National Association ranks #39 of 281 lenders in New York by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Erie County, NY | 81 | #17 of 74 | #9 of 30 | #4 of 30 |
| Onondaga County, NY | 56 | #20 of 57 | #2 of 25 | #8 of 24 |
| Oneida County, NY | 44 | #13 of 37 | #2 of 15 | #6 of 15 |
| Chenango County, NY | 41 | #1 of 14 | #1 of 2 | #2 of 2 |
| Lackawanna County, PA | 40 | #10 of 52 | #1 of 12 | #3 of 12 |
| Broome County, NY | 30 | #11 of 31 | #2 of 11 | #7 of 11 |
| Susquehanna County, PA | 25 | #2 of 17 | under 30-loan floor | under 30-loan floor |
| Saratoga County, NY | 21 | #22 of 53 | under 30-loan floor | under 30-loan floor |
| Madison County, NY | 19 | #7 of 27 | under 30-loan floor | under 30-loan floor |
| Otsego County, NY | 19 | #4 of 18 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Erie County, NY | 81 | 6.375%county 6.5% | $3,775county $5,183 | $975 | $1,853 | $235,000county $245,000 |
| Onondaga County, NY | 56 | 6.062%county 6.49% | $4,039county $4,522 | $750 | $1,098 | $225,000county $235,000 |
| Oneida County, NY | 44 | 6.062%county 6.375% | $3,816county $4,581 | $779 | n/a | $185,000county $195,000 |
| Chenango County, NY | 41 | 6.25%county 6.625% | $4,475county $4,544 | $1,416 | $875 | $165,000county $165,000 |
| Lackawanna County, PA | 40 | 6%county 6.625% | $4,965county $6,418 | $1,550 | $800 | $235,000county $225,000 |
| Broome County, NY | 30 | 6.375%county 6.5% | $3,918county $4,178 | $1,500 | $380 | $150,000county $175,000 |
| Susquehanna County, PA | 25 | 6%county 6.5% | $4,754county $5,571 | $1,043 | n/a | $155,000county $205,000 |
| Saratoga County, NY | 21 | 6.25%county 6.375% | $6,417county $5,479 | $2,040 | $1,940 | $435,000county $355,000 |
| Madison County, NY | 19 | 6.375%county 6.5% | $3,977county $4,662 | $750 | $1,050 | $265,000county $215,000 |
| Otsego County, NY | 19 | 6.125%county 6.625% | $3,470county $4,455 | $750 | $350 | $155,000county $185,000 |
| Oswego County, NY | 17 | 6.375%county 6.5% | $3,967county $4,701 | $1,502 | $1,488 | $145,000county $175,000 |
| Luzerne County, PA | 16 | 5.938%county 6.625% | $4,070county $6,682 | $750 | $562 | $185,000county $215,000 |
| Fulton County, NY | 15 | 6.375%county 6.5% | $4,614county $4,614 | $1,484 | n/a | $175,000county $195,000 |
| St. Lawrence County, NY | 15 | 6.25%county 6.625% | $3,760county $4,109 | $1,059 | n/a | $145,000county $135,000 |
| Cortland County, NY | 14 | 5.938%county 6.625% | $3,761county $4,195 | $975 | n/a | $135,000county $175,000 |
| Montgomery County, NY | 12 | 6.188%county 6.5% | $3,861county $4,466 | $1,119 | n/a | $170,000county $195,000 |
| Albany County, NY | 11 | 6.125%county 6.375% | $3,621county $4,793 | $750 | n/a | $185,000county $295,000 |
| Niagara County, NY | 11 | 6.5%county 6.5% | $5,225county $5,278 | $1,668 | $1,500 | $205,000county $215,000 |
| FIPS 09160, | 10 | 6.062%county 6.5% | $5,502county $5,964 | $1,590 | n/a | $345,000county $305,000 |
| Pike County, PA | 10 | 6.188%county 6.6% | $4,989county $7,135 | $1,385 | $1,520 | $190,000county $265,000 |
| Delaware County, NY | 9 | 6.75%county 6.75% | $4,451county $5,052 | $1,125 | n/a | $135,000county $215,000 |
| Herkimer County, NY | 9 | 6%county 6.375% | $3,378county $4,754 | $395 | n/a | $165,000county $165,000 |
| Monroe County, NY | 9 | 6.5%county 6.625% | $3,659county $4,419 | $1,100 | $1,103 | $105,000county $225,000 |
| Warren County, NY | 9 | 6.125%county 6.49% | $5,707county $4,849 | $994 | n/a | $245,000county $255,000 |
| Berkshire County, MA | 8 | 5.75%county 6.5% | $4,752county $4,430 | $750 | n/a | $320,000county $275,000 |
| Clinton County, NY | 7 | 6.5%county 6.875% | $4,575county $4,858 | $1,528 | $343 | $255,000county $205,000 |
| Franklin County, NY | 7 | 6%county 6.75% | $4,475county $4,667 | $1,356 | $1,475 | $245,000county $175,000 |
| Schoharie County, NY | 7 | 6%county 6.5% | $5,515county $4,725 | $1,671 | n/a | $195,000county $205,000 |
| Cayuga County, NY | 6 | 6.438%county 6.5% | $5,287county $4,526 | $1,665 | n/a | $275,000county $185,000 |
| Schenectady County, NY | 6 | 5.875%county 6.375% | $3,637county $4,749 | $750 | n/a | $255,000county $265,000 |
| Ulster County, NY | 6 | 6.438%county 6.5% | $5,469county $5,499 | $1,200 | n/a | $390,000county $345,000 |
| Dutchess County, NY | 5 | 6.125%county 6.5% | $5,298county $5,964 | $750 | n/a | $375,000county $385,000 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did NBT Bank, National Association borrowers get in 2025?
Across the counties where NBT Bank, National Association closed the most home-purchase loans in 2025, its county median rates ran from 5.75% to 6.75%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from NBT Bank, National Association today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might NBT Bank, National Association's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.