NBT Bank in Massachusetts vs the state
21.8%Denial rate+5.62 pts vs state
24.8%Decision denial rate+4.85 pts vs state
59.9%Origination rate-2.74 pts vs state
4.99%Median rate-1.63 pts vs state
-2.41Rate spread (pts)-2.50 pts vs state
$142kMedian applicant income
85Loans originated
31Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 56 | 16.1% | 5.00% | #255 |
| 2024 | 79 | 55 | 19.0% | 5.50% | #268 |
| 2025 | 142 | 85 | 21.8% | 4.99% | #210 |
What NBT Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkshire County | 121 | 70 | 27 | 22.3% |
| Essex County | 7 | 4 | 2 | 28.6% |
| Middlesex County | 5 | 3 | 1 | 20.0% |
| Hampshire County | 3 | 2 | 1 | 33.3% |
| Worcester County | 3 | 3 | 0 | 0.0% |
| Hampden County | 2 | 2 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 142 applications in 2025, of which 85 were originated and 31 denied.
21.8% of all applications, or 24.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans NBT Bank originated in Massachusetts 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology