NBT Bank in New York vs the state
22.1%Denial rate+2.33 pts vs state
24.0%Decision denial rate-0.01 pts vs state
63.8%Origination rate+4.22 pts vs state
5.00%Median rate-1.63 pts vs state
-2.20Rate spread (pts)-2.41 pts vs state
$95kMedian applicant income
1,922Loans originated
665Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,065 | 1,298 | 21.6% | 3.50% | #35 |
| 2024 | 2,015 | 1,279 | 22.8% | 5.50% | #38 |
| 2025 | 3,012 | 1,922 | 22.1% | 5.00% | #29 |
What NBT Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 274 | 178 | 51 | 18.6% |
| Erie County | 269 | 178 | 57 | 21.2% |
| Chenango County | 189 | 134 | 37 | 19.6% |
| Oneida County | 185 | 138 | 30 | 16.2% |
| Broome County | 169 | 108 | 34 | 20.1% |
| Madison County | 162 | 114 | 28 | 17.3% |
| Otsego County | 159 | 89 | 36 | 22.6% |
| Fulton County | 131 | 82 | 37 | 28.2% |
| Oswego County | 121 | 84 | 20 | 16.5% |
| Cortland County | 115 | 71 | 26 | 22.6% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 3,012 applications in 2025, of which 1,922 were originated and 665 denied.
22.1% of all applications, or 24.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans NBT Bank originated in New York in 2025 was 5.00%, against a statewide median of 6.63%.
About this data. Figures are NBT Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology