NBT Bank in Connecticut vs the state
22.2%Denial rate+4.82 pts vs state
24.2%Decision denial rate+2.61 pts vs state
66.1%Origination rate+5.70 pts vs state
4.99%Median rate-1.63 pts vs state
-3.35Rate spread (pts)-3.59 pts vs state
$144kMedian applicant income
113Loans originated
38Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 62 | 18.7% | 6.05% | #144 |
| 2024 | 131 | 80 | 20.6% | 6.00% | #132 |
| 2025 | 171 | 113 | 22.2% | 4.99% | #116 |
What NBT Bank lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09160 | 108 | 68 | 25 | 23.1% |
| 09110 | 46 | 32 | 10 | 21.7% |
| 09140 | 9 | 6 | 3 | 33.3% |
| 09170 | 3 | 3 | 0 | 0.0% |
| 09130 | 2 | 2 | 0 | 0.0% |
| 09190 | 1 | 0 | 0 | 0.0% |
| 09120 | 1 | 1 | 0 | 0.0% |
| 09180 | 1 | 1 | 0 | 0.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 171 applications in 2025, of which 113 were originated and 38 denied.
22.2% of all applications, or 24.2% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans NBT Bank originated in Connecticut in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are NBT Bank's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology