Nbt Bank, National Association
Mortgage Loan Application
Totals and Details
for 2018
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 | 5,180 |
| Total Mortgage Loan Application Amount | $688,060,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $5,343,000 |
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 |
|---|---|---|---|---|
| Lackawanna County Pennsylvania | 357 | $ 30,125,000 | $ 84,000 | $ 73,000 |
| Oneida County New York | 340 | $ 37,100,000 | $ 109,000 | $ 96,000 |
| Onondaga County New York | 319 | $ 41,785,000 | $ 130,000 | $ 128,000 |
| Chenango County New York | 298 | $ 24,730,000 | $ 82,000 | $ 81,000 |
| Otsego County New York | 221 | $ 20,655,000 | $ 93,000 | $ 82,000 |
| Fulton County New York | 216 | $ 17,820,000 | $ 82,000 | $ 74,000 |
| Broome County New York | 213 | $ 20,635,000 | $ 96,000 | $ 81,000 |
| Madison County New York | 209 | $ 23,105,000 | $ 110,000 | $ 95,000 |
| Cortland County New York | 177 | $ 17,145,000 | $ 96,000 | $ 73,000 |
| Delaware County New York | 173 | $ 16,405,000 | $ 94,000 | $ 95,000 |
| Saratoga County New York | 170 | $ 52,240,000 | $ 307,000 | $ 103,000 |
| Oswego County New York | 149 | $ 10,545,000 | $ 70,000 | $ 76,000 |
| Montgomery County New York | 136 | $ 10,750,000 | $ 79,000 | $ 62,000 |
| St. Lawrence County New York | 133 | $ 13,055,000 | $ 98,000 | $ 97,000 |
| Clinton County New York | 108 | $ 13,330,000 | $ 123,000 | $ 83,000 |
| Susquehanna County Pennsylvania | 107 | $ 8,865,000 | $ 82,000 | $ 70,000 |
| Essex County New York | 106 | $ 13,660,000 | $ 128,000 | $ 118,000 |
| Luzerne County Pennsylvania | 103 | $ 9,605,000 | $ 93,000 | $ 77,000 |
| Schoharie County New York | 102 | $ 7,270,000 | $ 71,000 | $ 75,000 |
| Warren County New York | 100 | $ 22,420,000 | $ 224,000 | $ 152,000 |
| Herkimer County New York | 98 | $ 10,780,000 | $ 110,000 | $ 97,000 |
| Wayne County Pennsylvania | 89 | $ 8,135,000 | $ 91,000 | $ 81,000 |
| Monroe County Pennsylvania | 84 | $ 5,880,000 | $ 70,000 | $ 59,000 |
| Albany County New York | 83 | $ 19,645,000 | $ 236,000 | $ 142,000 |
| Berkshire County Massachusetts | 75 | $ 14,405,000 | $ 192,000 | $ 101,000 |
| Pike County Pennsylvania | 74 | $ 8,420,000 | $ 113,000 | $ 88,000 |
| Hillsborough County New Hampshire | 72 | $ 26,310,000 | $ 365,000 | $ 162,000 |
| Chittenden County Vermont | 72 | $ 29,720,000 | $ 412,000 | $ 197,000 |
| Franklin County New York | 59 | $ 5,175,000 | $ 87,000 | $ 97,000 |
| Schenectady County New York | 58 | $ 6,300,000 | $ 108,000 | $ 101,000 |
| Greene County New York | 46 | $ 7,160,000 | $ 155,000 | $ 352,000 |
| Rutland County Vermont | 40 | $ 5,110,000 | $ 127,000 | $ 86,000 |
| Washington County New York | 38 | $ 5,080,000 | $ 133,000 | $ 83,000 |
| Tioga County New York | 33 | $ 2,035,000 | $ 61,000 | $ 66,000 |
| Rockingham County New Hampshire | 30 | $ 10,800,000 | $ 360,000 | $ 193,000 |
| Rensselaer County New York | 27 | $ 4,125,000 | $ 152,000 | $ 110,000 |
| Hamilton County New York | 26 | $ 3,900,000 | $ 150,000 | $ 131,000 |
| Cayuga County New York | 25 | $ 3,275,000 | $ 131,000 | $ 90,000 |
| Ontario County New York | 20 | $ 1,080,000 | $ 54,000 | $ 52,000 |
| Tompkins County New York | 17 | $ 2,335,000 | $ 137,000 | $ 78,000 |
| Cheshire County New Hampshire | 15 | $ 2,235,000 | $ 149,000 | $ 204,000 |
| Wyoming County Pennsylvania | 13 | $ 1,775,000 | $ 136,000 | $ 66,000 |
| Middlesex County Massachusetts | 12 | $ 19,810,000 | $ 1,650,000 | $ 378,000 |
| Jefferson County New York | 12 | $ 1,630,000 | $ 135,000 | $ 139,000 |
| Sullivan County New York | 11 | $ 2,755,000 | $ 250,000 | $ 126,000 |
| Columbia County New York | 10 | $ 860,000 | $ 86,000 | $ 62,000 |
| Erie County New York | 10 | $ 620,000 | $ 62,000 | $ 80,000 |
| Ulster County New York | 10 | $ 930,000 | $ 93,000 | $ 95,000 |
| Merrimack County New Hampshire | 9 | $ 1,815,000 | $ 201,000 | $ 166,000 |
| Strafford County New Hampshire | 9 | $ 2,275,000 | $ 252,000 | $ 94,000 |
| Monroe County New York | 9 | $ 485,000 | $ 53,000 | $ 58,000 |
| Franklin County Vermont | 9 | $ 2,935,000 | $ 326,000 | $ 88,000 |
| Niagara County New York | 7 | $ 335,000 | $ 47,000 | $ 50,000 |
| Orleans County New York | 7 | $ 245,000 | $ 35,000 | $ 31,000 |
| Lebanon County Pennsylvania | 7 | $ 445,000 | $ 63,000 | $ 40,000 |
| York County Maine | 6 | $ 7,010,000 | $ 1,168,000 | $ 108,000 |
| Lewis County New York | 6 | $ 790,000 | $ 131,000 | $ 103,000 |
| Berks County Pennsylvania | 6 | $ 310,000 | $ 51,000 | $ 43,000 |
| Cumberland County Maine | 5 | $ 10,815,000 | $ 2,163,000 | $ 156,000 |
| Lancaster County Pennsylvania | 5 | $ 195,000 | $ 39,000 | $ 54,000 |
| Lehigh County Pennsylvania | 5 | $ 315,000 | $ 63,000 | $ 75,000 |
| Kennebec County Maine | 4 | $ 1,640,000 | $ 410,000 | $ 596,000 |
| Belknap County New Hampshire | 4 | $ 1,570,000 | $ 392,000 | $ 438,000 |
| Grafton County New Hampshire | 4 | $ 1,170,000 | $ 292,000 | $ 141,000 |
| Chemung County New York | 4 | $ 480,000 | $ 120,000 | $ 62,000 |
| Cumberland County Pennsylvania | 4 | $ 230,000 | $ 57,000 | $ 53,000 |
| Lamoille County Vermont | 4 | $ 620,000 | $ 155,000 | $ 427,000 |
| Essex County Massachusetts | 3 | $ 1,385,000 | $ 461,000 | $ 202,000 |
| Plymouth County Massachusetts | 3 | $ 1,875,000 | $ 625,000 | $ 229,000 |
| Dutchess County New York | 3 | $ 135,000 | $ 45,000 | $ 52,000 |
| Genesee County New York | 3 | $ 205,000 | $ 68,000 | $ 53,000 |
| Wyoming County New York | 3 | $ 205,000 | $ 68,000 | $ 37,000 |
| Bradford County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 52,000 |
| Grand Isle County Vermont | 3 | $ 555,000 | $ 185,000 | $ 231,000 |
| Windham County Vermont | 3 | $ 425,000 | $ 141,000 | $ 150,000 |
| Knox County Maine | 2 | $ 620,000 | $ 310,000 | $ 147,000 |
| Hampden County Massachusetts | 2 | $ 1,100,000 | $ 550,000 | $ 244,000 |
| Carroll County New Hampshire | 2 | $ 300,000 | $ 150,000 | $ 245,000 |
| Livingston County New York | 2 | $ 170,000 | $ 85,000 | $ 46,000 |
| Orange County New York | 2 | $ 280,000 | $ 140,000 | $ 133,000 |
| Schuyler County New York | 2 | $ 50,000 | $ 25,000 | $ 28,000 |
| Centre County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 47,000 |
| Columbia County Pennsylvania | 2 | $ 1,550,000 | $ 775,000 | $ 509,000 |
| Indiana County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Windsor County Vermont | 2 | $ 1,620,000 | $ 810,000 | $ 994,000 |
| Charlotte County Florida | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Collier County Florida | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Lee County Florida | 1 | $ 3,215,000 | $ 3,215,000 | $ 0 |
| Osceola County Florida | 1 | $ 85,000 | $ 85,000 | $ 8,000 |
| Pinellas County Florida | 1 | $ 765,000 | $ 765,000 | $ 2,093,000 |
| Sumter County Florida | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Bartow County Georgia | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Hancock County Maine | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Oxford County Maine | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Penobscot County Maine | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| Barnstable County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Franklin County Massachusetts | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 67,000 |
| Worcester County Massachusetts | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Coos County New Hampshire | 1 | $ 625,000 | $ 625,000 | $ 496,000 |
| Cattaraugus County New York | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Seneca County New York | 1 | $ 315,000 | $ 315,000 | $ 289,000 |
| Wayne County New York | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Yates County New York | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Armstrong County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Blair County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Butler County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Dauphin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Fayette County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Lawrence County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Northampton County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Philadelphia County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 68,000 |
| Tioga County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Westmoreland County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| York County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Denton County Texas | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Addison County Vermont | 1 | $ 605,000 | $ 605,000 | $ 359,000 |
| Bennington County Vermont | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Caledonia County Vermont | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Orleans County Vermont | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Washington County Vermont | 1 | $ 755,000 | $ 755,000 | $ 581,000 |
| Wirt County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
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 2018
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 | 2,036 | $377,850,000 | $185,000 | $10,805,000 | $105,000 | $2,093,000 |
| Refinancing | 1,206 | $165,790,000 | $137,000 | $20,005,000 | $95,000 | $1,710,000 |
| Home Improvement | 1,058 | $64,370,000 | $60,000 | $1,505,000 | $86,000 | $1,588,000 |
| Other Purpose | 643 | $42,765,000 | $66,000 | $1,185,000 | $95,000 | $5,343,000 |
| Cash-out Refinancing | 237 | $37,285,000 | $157,000 | $605,000 | $99,000 | $1,342,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,239 | $444,775,000 | $104,000 | $1,765,000 | $94,000 | $5,343,000 |
| Not Provided | 475 | $79,915,000 | $168,000 | $3,035,000 | $128,000 | $1,761,000 |
| Not applicable | 224 | $126,290,000 | $563,000 | $20,005,000 | $0 | $0 |
| Hispanic | 89 | $9,645,000 | $108,000 | $425,000 | $73,000 | $463,000 |
| Asian | 72 | $14,440,000 | $200,000 | $2,945,000 | $99,000 | $587,000 |
| Black or African American | 44 | $3,900,000 | $88,000 | $345,000 | $89,000 | $755,000 |
| American Indian or Alaskan Native | 20 | $1,700,000 | $85,000 | $325,000 | $73,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 5,030 | $672,190,000 | $133,000 | $20,005,000 | $98,000 | $5,343,000 |
| FHA-insured (Federal Housing Administration) | 92 | $10,370,000 | $112,000 | $275,000 | $62,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $5,500,000 | $94,000 | $195,000 | $45,000 | $84,000 |
| VA-guaranteed (Veterans 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 | 3,078 | $482,080,000 | $156,000 | $20,005,000 | $114,000 | $5,343,000 |
| Application Denied By Financial Institution | 1,510 | $129,320,000 | $85,000 | $2,945,000 | $67,000 | $1,761,000 |
| Application Approved But Not Accepted | 277 | $34,735,000 | $125,000 | $2,175,000 | $87,000 | $960,000 |
| Application Withdrawn By Applicant | 193 | $27,145,000 | $140,000 | $2,805,000 | $108,000 | $1,588,000 |
| Preapproval Denied by Financial Institution | 69 | $8,315,000 | $120,000 | $345,000 | $63,000 | $522,000 |
| File Closed For Incompleteness | 40 | $4,390,000 | $109,000 | $505,000 | $101,000 | $450,000 |
| Preapproval Approved but not Accepted | 13 | $2,075,000 | $159,000 | $695,000 | $64,000 | $145,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,601 | $550,425,000 | $152,000 | $20,005,000 | $111,000 | $5,343,000 |
| Debt-To-Income Ratio | 720 | $63,390,000 | $88,000 | $855,000 | $50,000 | $412,000 |
| Credit History | 351 | $21,865,000 | $62,000 | $455,000 | $63,000 | $265,000 |
| Collateral | 203 | $18,825,000 | $92,000 | $2,945,000 | $112,000 | $1,761,000 |
| Other | 156 | $20,240,000 | $129,000 | $1,105,000 | $104,000 | $1,342,000 |
| Credit Application Incomplete | 44 | $4,570,000 | $103,000 | $605,000 | $71,000 | $202,000 |
| Employment History | 42 | $1,790,000 | $42,000 | $165,000 | $46,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $3,165,000 | $102,000 | $205,000 | $58,000 | $216,000 |
| Unverifiable Information | 20 | $1,760,000 | $88,000 | $305,000 | $70,000 | $137,000 |
| Mortgage Insurance Denied | 12 | $2,030,000 | $169,000 | $505,000 | $52,000 | $195,000 |
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.