Applications / Mortgage Analytics / Lenders / New York / NBT Bank
NBT Bank
Norwich, NY · National bank · OCC · $15.9 billion assets · 2,741 loans in 2025
2,741
loans originated, 2025
4,238
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
FIG. 1 — LOANS ORIGINATED, 2018–2025
2,741 loans in 2025, against a peak of 3,078 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NBT Bank took 4,238 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
32.4% of its 2025 loans were purchase loans; 99.3% were Conventional.
Purchase 32.4% · Refinance 28.9% · Other 22.4% · Home improvement 16.3%
Conventional 99.3% · FHA 0.6% · USDA (RHS or FSA) 0.0% · of 2,741 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
8 states, 30 metros, 99 counties
| State | Loans | Share |
|---|---|---|
| New York | 1,922 | 70.1% |
| Pennsylvania | 480 | 17.5% |
| Connecticut | 113 | 4.1% |
| Massachusetts | 85 | 3.1% |
| New Hampshire | 74 | 2.7% |
| Vermont | 57 | 2.1% |
| Maine | 7 | 0.3% |
| Florida | 2 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Syracuse | 376 |
| Scranton--Wilkes-Barre | 250 |
| Buffalo-Cheektowaga | 200 |
| Albany-Schenectady-Troy | 183 |
| Utica-Rome | 171 |
| Binghamton | 129 |
| Pittsfield | 70 |
| Glens Falls | 51 |
| Kiryas Joel-Poughkeepsie-Newburgh | 46 |
| Rochester | 46 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009BOQDC6PCFR785 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 702117 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11354 | 1990–2017 |
Established 3 March 1856. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: NBT Bank's data.