Nbt Bank, National Association
Mortgage Loan Application
Totals and Details
for 2015
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for Nbt Bank, National Association.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| Mortgage Company & Address | Nbt Bank, National Association 52 S Broad St Norwich, NY 13815 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,630 |
| Total Mortgage Loan Application Amount | $518,005,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $29,935,000 |
| Average Applicant Income | $76,666 |
| Highest Applicant Income | $2,355,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chenango County New York | 242 | $ 16,611,000 | $ 68,000 | $ 59,000 |
| Lackawanna County Pennsylvania | 217 | $ 25,860,000 | $ 119,000 | $ 77,000 |
| Oneida County New York | 214 | $ 24,065,000 | $ 112,000 | $ 83,000 |
| Onondaga County New York | 200 | $ 37,662,000 | $ 188,000 | $ 104,000 |
| Otsego County New York | 194 | $ 16,431,000 | $ 84,000 | $ 65,000 |
| Broome County New York | 178 | $ 16,060,000 | $ 90,000 | $ 77,000 |
| Madison County New York | 165 | $ 18,572,000 | $ 112,000 | $ 70,000 |
| Fulton County New York | 143 | $ 7,167,000 | $ 50,000 | $ 48,000 |
| Cortland County New York | 132 | $ 12,537,000 | $ 94,000 | $ 68,000 |
| Oswego County New York | 127 | $ 9,549,000 | $ 75,000 | $ 63,000 |
| Saratoga County New York | 114 | $ 27,025,000 | $ 237,000 | $ 108,000 |
| Delaware County New York | 109 | $ 8,861,000 | $ 81,000 | $ 65,000 |
| St. Lawrence County New York | 91 | $ 7,907,000 | $ 86,000 | $ 70,000 |
| Clinton County New York | 86 | $ 10,939,000 | $ 127,000 | $ 66,000 |
| Montgomery County New York | 84 | $ 5,195,000 | $ 61,000 | $ 50,000 |
| Schoharie County New York | 71 | $ 5,232,000 | $ 73,000 | $ 57,000 |
| Herkimer County New York | 70 | $ 5,959,000 | $ 85,000 | $ 68,000 |
| Essex County New York | 63 | $ 10,468,000 | $ 166,000 | $ 120,000 |
| Warren County New York | 58 | $ 12,114,000 | $ 208,000 | $ 127,000 |
| Susquehanna County Pennsylvania | 58 | $ 6,278,000 | $ 108,000 | $ 71,000 |
| Chittenden County Vermont | 55 | $ 21,135,000 | $ 384,000 | $ 138,000 |
| Franklin County New York | 53 | $ 4,863,000 | $ 91,000 | $ 92,000 |
| Luzerne County Pennsylvania | 53 | $ 4,536,000 | $ 85,000 | $ 58,000 |
| Wayne County Pennsylvania | 47 | $ 3,705,000 | $ 78,000 | $ 78,000 |
| Berkshire County Massachusetts | 45 | $ 7,585,000 | $ 168,000 | $ 77,000 |
| Albany County New York | 45 | $ 15,618,000 | $ 347,000 | $ 84,000 |
| Pike County Pennsylvania | 43 | $ 6,436,000 | $ 149,000 | $ 109,000 |
| Schenectady County New York | 37 | $ 5,156,000 | $ 139,000 | $ 63,000 |
| Tioga County New York | 30 | $ 1,890,000 | $ 63,000 | $ 59,000 |
| Washington County New York | 30 | $ 8,433,000 | $ 281,000 | $ 63,000 |
| Greene County New York | 28 | $ 3,350,000 | $ 119,000 | $ 111,000 |
| Monroe County Pennsylvania | 27 | $ 3,313,000 | $ 122,000 | $ 65,000 |
| Cayuga County New York | 25 | $ 2,229,000 | $ 89,000 | $ 113,000 |
| Rensselaer County New York | 23 | $ 7,428,000 | $ 322,000 | $ 79,000 |
| Rutland County Vermont | 21 | $ 2,825,000 | $ 134,000 | $ 101,000 |
| Columbia County New York | 16 | $ 1,096,000 | $ 68,000 | $ 46,000 |
| Ontario County New York | 16 | $ 722,000 | $ 45,000 | $ 46,000 |
| Hillsborough County New Hampshire | 15 | $ 16,564,000 | $ 1,104,000 | $ 128,000 |
| Hamilton County New York | 15 | $ 2,342,000 | $ 156,000 | $ 113,000 |
| Tompkins County New York | 15 | $ 4,578,000 | $ 305,000 | $ 187,000 |
| Cheshire County New Hampshire | 13 | $ 1,796,000 | $ 138,000 | $ 83,000 |
| Erie County New York | 13 | $ 616,000 | $ 47,000 | $ 57,000 |
| Wayne County New York | 13 | $ 775,000 | $ 59,000 | $ 54,000 |
| Jefferson County New York | 11 | $ 980,000 | $ 89,000 | $ 71,000 |
| Sullivan County New York | 10 | $ 561,000 | $ 56,000 | $ 58,000 |
| Lebanon County Pennsylvania | 10 | $ 488,000 | $ 48,000 | $ 46,000 |
| Cumberland County Maine | 9 | $ 49,255,000 | $ 5,472,000 | $ 28,000 |
| Monroe County New York | 8 | $ 668,000 | $ 83,000 | $ 74,000 |
| Ulster County New York | 8 | $ 837,000 | $ 104,000 | $ 68,000 |
| Merrimack County New Hampshire | 7 | $ 4,405,000 | $ 629,000 | $ 204,000 |
| Rockingham County New Hampshire | 7 | $ 1,623,000 | $ 231,000 | $ 422,000 |
| Lancaster County Pennsylvania | 7 | $ 467,000 | $ 66,000 | $ 56,000 |
| Wyoming County Pennsylvania | 7 | $ 1,353,000 | $ 193,000 | $ 116,000 |
| Orleans County New York | 6 | $ 207,000 | $ 34,000 | $ 40,000 |
| Seneca County New York | 6 | $ 275,000 | $ 45,000 | $ 51,000 |
| Berks County Pennsylvania | 6 | $ 238,000 | $ 39,000 | $ 36,000 |
| Franklin County Vermont | 6 | $ 1,425,000 | $ 237,000 | $ 57,000 |
| Lewis County New York | 5 | $ 937,000 | $ 187,000 | $ 190,000 |
| Grand Isle County Vermont | 5 | $ 1,072,000 | $ 214,000 | $ 113,000 |
| Chemung County New York | 4 | $ 672,000 | $ 168,000 | $ 93,000 |
| Genesee County New York | 4 | $ 179,000 | $ 44,000 | $ 55,000 |
| Bradford County Pennsylvania | 4 | $ 261,000 | $ 65,000 | $ 60,000 |
| Lehigh County Pennsylvania | 4 | $ 122,000 | $ 30,000 | $ 66,000 |
| Northampton County Pennsylvania | 4 | $ 219,000 | $ 54,000 | $ 49,000 |
| Dutchess County New York | 3 | $ 199,000 | $ 66,000 | $ 70,000 |
| Steuben County New York | 3 | $ 89,000 | $ 29,000 | $ 65,000 |
| Addison County Vermont | 3 | $ 375,000 | $ 125,000 | $ 119,000 |
| Bennington County Vermont | 3 | $ 278,000 | $ 92,000 | $ 70,000 |
| Washington County Vermont | 3 | $ 1,012,000 | $ 337,000 | $ 121,000 |
| York County Maine | 2 | $ 12,828,000 | $ 6,414,000 | $ 176,000 |
| Middlesex County Massachusetts | 2 | $ 3,174,000 | $ 1,587,000 | $ 54,000 |
| Livingston County New York | 2 | $ 74,000 | $ 37,000 | $ 36,000 |
| Niagara County New York | 2 | $ 102,000 | $ 51,000 | $ 50,000 |
| Wyoming County New York | 2 | $ 184,000 | $ 92,000 | $ 59,000 |
| Yates County New York | 2 | $ 458,000 | $ 229,000 | $ 92,000 |
| Butler County Pennsylvania | 2 | $ 118,000 | $ 59,000 | $ 34,000 |
| Carbon County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 109,000 |
| Cumberland County Pennsylvania | 2 | $ 85,000 | $ 42,000 | $ 33,000 |
| Dauphin County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 54,000 |
| Erie County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 52,000 |
| Indiana County Pennsylvania | 2 | $ 132,000 | $ 66,000 | $ 44,000 |
| Washington County Pennsylvania | 2 | $ 102,000 | $ 51,000 | $ 41,000 |
| Indian River County Florida | 1 | $ 162,000 | $ 162,000 | $ 258,000 |
| Manatee County Florida | 1 | $ 220,000 | $ 220,000 | $ 187,000 |
| Cook County Illinois | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Androscoggin County Maine | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Strafford County New Hampshire | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Otero County New Mexico | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| New York County New York | 1 | $ 704,000 | $ 704,000 | $ 126,000 |
| Orange County New York | 1 | $ 176,000 | $ 176,000 | $ 86,000 |
| Rockland County New York | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Schuyler County New York | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Suffolk County New York | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| Armstrong County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Chester County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 43,000 |
| Franklin County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 66,000 |
| Perry County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 107,000 |
| Beaufort County South Carolina | 1 | $ 1,070,000 | $ 1,070,000 | $ 1,950,000 |
| Greenville County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 88,000 |
| Lamoille County Vermont | 1 | $ 139,000 | $ 139,000 | $ 29,000 |
| Windsor County Vermont | 1 | $ 154,000 | $ 154,000 | $ 37,000 |
| Chesapeake County Virginia | 1 | $ 14,000 | $ 14,000 | $ 74,000 |
| Fairfax County Virginia | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Northampton County Virginia | 1 | $ 750,000 | $ 750,000 | $ 833,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Nbt Bank, National Association in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,674 | $308,375,000 | $184,000 | $29,935,000 | $87,000 | $2,355,000 |
| Home Improvement | 1,147 | $59,266,000 | $51,000 | $4,520,000 | $61,000 | $1,232,000 |
| Refinancing | 809 | $150,364,000 | $185,000 | $6,000,000 | $82,000 | $1,950,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,231 | $337,455,000 | $104,000 | $6,876,000 | $78,000 | $1,985,000 |
| Not Provided | 163 | $26,040,000 | $159,000 | $1,520,000 | $119,000 | $2,355,000 |
| Not applicable | 122 | $140,649,000 | $1,152,000 | $29,935,000 | $0 | $0 |
| Hispanic | 41 | $2,982,000 | $72,000 | $250,000 | $52,000 | $136,000 |
| Asian | 34 | $6,843,000 | $201,000 | $444,000 | $136,000 | $429,000 |
| Black or African American | 24 | $2,684,000 | $111,000 | $460,000 | $82,000 | $260,000 |
| American Indian or Alaskan Native | 14 | $1,219,000 | $87,000 | $313,000 | $83,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $133,000 | $133,000 | $133,000 | $113,000 | $113,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,541 | $506,795,000 | $143,000 | $29,935,000 | $78,000 | $2,355,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $11,210,000 | $125,000 | $657,000 | $59,000 | $742,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,974 | $356,182,000 | $180,000 | $29,935,000 | $90,000 | $2,355,000 |
| Application Denied By Financial Institution | 1,077 | $83,928,000 | $77,000 | $4,500,000 | $56,000 | $1,452,000 |
| Application Approved But Not Accepted | 254 | $24,933,000 | $98,000 | $999,000 | $73,000 | $1,058,000 |
| Preapproval Denied by Financial Institution | 135 | $16,279,000 | $120,000 | $800,000 | $65,000 | $639,000 |
| Application Withdrawn By Applicant | 125 | $27,675,000 | $221,000 | $6,876,000 | $99,000 | $505,000 |
| File Closed For Incompleteness | 65 | $9,008,000 | $138,000 | $414,000 | $85,000 | $250,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 444 | $21,094,000 | $47,000 | $675,000 | $53,000 | $621,000 |
| Debt-To-Income Ratio | 352 | $23,331,000 | $66,000 | $800,000 | $44,000 | $639,000 |
| Other | 213 | $29,553,000 | $138,000 | $3,564,000 | $81,000 | $1,452,000 |
| Collateral | 96 | $13,392,000 | $139,000 | $580,000 | $82,000 | $961,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 43 | $9,137,000 | $212,000 | $4,500,000 | $62,000 | $318,000 |
| Employment History | 42 | $1,260,000 | $30,000 | $195,000 | $38,000 | $88,000 |
| Unverifiable Information | 15 | $1,089,000 | $72,000 | $195,000 | $54,000 | $189,000 |
| Mortgage Insurance Denied | 4 | $745,000 | $186,000 | $305,000 | $62,000 | $129,000 |
| Credit Application Incomplete | 3 | $606,000 | $202,000 | $272,000 | $2,000 | $6,000 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New York, and search similar information at your convenience.