NBT Bank in Pennsylvania vs the state
19.8%Denial rate+1.51 pts vs state
20.8%Decision denial rate-1.38 pts vs state
69.9%Origination rate+8.91 pts vs state
4.99%Median rate-1.63 pts vs state
-2.24Rate spread (pts)-2.48 pts vs state
$83kMedian applicant income
480Loans originated
136Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 569 | 369 | 23.4% | 3.50% | #126 |
| 2024 | 490 | 327 | 21.6% | 5.50% | #152 |
| 2025 | 687 | 480 | 19.8% | 4.99% | #127 |
What NBT Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 278 | 199 | 50 | 18.0% |
| Susquehanna County | 113 | 83 | 20 | 17.7% |
| Pike County | 90 | 66 | 16 | 17.8% |
| Wayne County | 73 | 46 | 20 | 27.4% |
| Luzerne County | 72 | 48 | 16 | 22.2% |
| Monroe County | 48 | 30 | 12 | 25.0% |
| Wyoming County | 4 | 3 | 0 | 0.0% |
| Columbia County | 3 | 3 | 0 | 0.0% |
| Bradford County | 2 | 1 | 1 | 50.0% |
| Northampton County | 2 | 1 | 1 | 50.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 687 applications in 2025, of which 480 were originated and 136 denied.
19.8% of all applications, or 20.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans NBT Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology