NBT Bank in New Hampshire vs the state
18.0%Denial rate+1.53 pts vs state
19.8%Decision denial rate-0.47 pts vs state
66.7%Origination rate+4.96 pts vs state
5.68%Median rate-1.14 pts vs state
-2.22Rate spread (pts)-2.46 pts vs state
$150kMedian applicant income
74Loans originated
20Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 73 | 15.6% | 5.38% | #79 |
| 2024 | 113 | 78 | 14.2% | 6.06% | #71 |
| 2025 | 111 | 74 | 18.0% | 5.68% | #81 |
What NBT Bank lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 46 | 31 | 10 | 21.7% |
| Cheshire County | 19 | 10 | 4 | 21.1% |
| Rockingham County | 19 | 10 | 3 | 15.8% |
| Merrimack County | 16 | 15 | 1 | 6.3% |
| Carroll County | 3 | 2 | 1 | 33.3% |
| Grafton County | 2 | 1 | 0 | 0.0% |
| Strafford County | 2 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 1 | 1 | 50.0% |
| Belknap County | 2 | 2 | 0 | 0.0% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 4,969 | 24.3% | 7.40% |
| CMG Mortgage | A | 3,499 | 2.5% | 6.63% |
| Rocket Mortgage | C | 3,090 | 17.0% | 6.75% |
| United Shore Financial Services | B | 2,488 | 8.8% | 6.50% |
| Service Federal Credit Union | C | 2,300 | 25.5% | 6.49% |
| TD Bank | D | 1,811 | 22.5% | 7.54% |
| St. Mary's Bank Credit Union | B | 1,514 | 21.2% | 7.25% |
| Lighthouse Federal Credit Union | D | 1,311 | 34.3% | 7.49% |
| Digital | D | 1,129 | 20.3% | 7.74% |
| Bank of America | F | 1,068 | 28.9% | 5.99% |
Frequently asked questions
New Hampshire: 111 applications in 2025, of which 74 were originated and 20 denied.
18.0% of all applications, or 19.8% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans NBT Bank originated in New Hampshire in 2025 was 5.68%, against a statewide median of 6.82%.
About this data. Figures are NBT Bank's own HMDA filing for properties located in New Hampshire, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology