Nbt Bank, National Association
Mortgage Loan Application
Totals and Details
for 2019
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 | 5,135 |
| Total Mortgage Loan Application Amount | $799,135,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $17,665,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $6,204,000 |
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 |
|---|---|---|---|---|
| Onondaga County New York | 412 | $ 65,190,000 | $ 158,000 | $ 123,000 |
| Oneida County New York | 309 | $ 38,125,000 | $ 123,000 | $ 97,000 |
| Lackawanna County Pennsylvania | 292 | $ 29,630,000 | $ 101,000 | $ 74,000 |
| Chenango County New York | 260 | $ 23,140,000 | $ 89,000 | $ 74,000 |
| Broome County New York | 203 | $ 19,775,000 | $ 97,000 | $ 84,000 |
| Fulton County New York | 194 | $ 18,460,000 | $ 95,000 | $ 80,000 |
| Otsego County New York | 194 | $ 22,040,000 | $ 113,000 | $ 90,000 |
| Madison County New York | 182 | $ 26,240,000 | $ 144,000 | $ 110,000 |
| Saratoga County New York | 182 | $ 43,730,000 | $ 240,000 | $ 122,000 |
| Cortland County New York | 175 | $ 16,375,000 | $ 93,000 | $ 84,000 |
| Delaware County New York | 143 | $ 14,225,000 | $ 99,000 | $ 84,000 |
| Oswego County New York | 139 | $ 12,105,000 | $ 87,000 | $ 88,000 |
| Montgomery County New York | 127 | $ 8,605,000 | $ 67,000 | $ 73,000 |
| St. Lawrence County New York | 121 | $ 10,225,000 | $ 84,000 | $ 87,000 |
| Hillsborough County New Hampshire | 106 | $ 46,640,000 | $ 440,000 | $ 173,000 |
| Pike County Pennsylvania | 100 | $ 12,140,000 | $ 121,000 | $ 91,000 |
| Warren County New York | 99 | $ 23,715,000 | $ 239,000 | $ 154,000 |
| Susquehanna County Pennsylvania | 98 | $ 10,130,000 | $ 103,000 | $ 77,000 |
| Wayne County Pennsylvania | 95 | $ 9,705,000 | $ 102,000 | $ 82,000 |
| Albany County New York | 94 | $ 16,570,000 | $ 176,000 | $ 119,000 |
| Luzerne County Pennsylvania | 92 | $ 8,340,000 | $ 90,000 | $ 72,000 |
| Chittenden County Vermont | 92 | $ 33,720,000 | $ 366,000 | $ 280,000 |
| Berkshire County Massachusetts | 91 | $ 11,945,000 | $ 131,000 | $ 98,000 |
| Herkimer County New York | 89 | $ 9,935,000 | $ 111,000 | $ 99,000 |
| Clinton County New York | 82 | $ 11,330,000 | $ 138,000 | $ 90,000 |
| Schoharie County New York | 75 | $ 7,535,000 | $ 100,000 | $ 91,000 |
| Essex County New York | 69 | $ 11,695,000 | $ 169,000 | $ 127,000 |
| Franklin County New York | 69 | $ 8,665,000 | $ 125,000 | $ 196,000 |
| Schenectady County New York | 58 | $ 6,690,000 | $ 115,000 | $ 151,000 |
| Greene County New York | 50 | $ 9,450,000 | $ 189,000 | $ 264,000 |
| Rutland County Vermont | 49 | $ 7,225,000 | $ 147,000 | $ 105,000 |
| Tioga County New York | 47 | $ 3,845,000 | $ 81,000 | $ 62,000 |
| Rockingham County New Hampshire | 45 | $ 15,775,000 | $ 350,000 | $ 196,000 |
| Monroe County Pennsylvania | 45 | $ 5,535,000 | $ 123,000 | $ 86,000 |
| Rensselaer County New York | 41 | $ 17,705,000 | $ 431,000 | $ 100,000 |
| Strafford County New Hampshire | 35 | $ 10,285,000 | $ 293,000 | $ 85,000 |
| Ontario County New York | 35 | $ 2,455,000 | $ 70,000 | $ 65,000 |
| Hamilton County New York | 32 | $ 4,700,000 | $ 146,000 | $ 120,000 |
| Washington County New York | 30 | $ 3,670,000 | $ 122,000 | $ 97,000 |
| Cumberland County Maine | 25 | $ 20,475,000 | $ 819,000 | $ 72,000 |
| Cayuga County New York | 25 | $ 3,985,000 | $ 159,000 | $ 109,000 |
| York County Maine | 23 | $ 28,595,000 | $ 1,243,000 | $ 66,000 |
| Tompkins County New York | 18 | $ 1,760,000 | $ 97,000 | $ 118,000 |
| Niagara County New York | 17 | $ 1,085,000 | $ 63,000 | $ 59,000 |
| Cheshire County New Hampshire | 13 | $ 2,045,000 | $ 157,000 | $ 125,000 |
| Sullivan County New York | 13 | $ 815,000 | $ 62,000 | $ 61,000 |
| Belknap County New Hampshire | 11 | $ 2,335,000 | $ 212,000 | $ 119,000 |
| Columbia County New York | 11 | $ 1,775,000 | $ 161,000 | $ 77,000 |
| Erie County New York | 11 | $ 865,000 | $ 78,000 | $ 49,000 |
| Orleans County New York | 11 | $ 435,000 | $ 39,000 | $ 42,000 |
| Berks County Pennsylvania | 11 | $ 615,000 | $ 55,000 | $ 47,000 |
| Merrimack County New Hampshire | 10 | $ 3,490,000 | $ 349,000 | $ 73,000 |
| Jefferson County New York | 10 | $ 1,430,000 | $ 143,000 | $ 125,000 |
| Franklin County Vermont | 10 | $ 2,310,000 | $ 231,000 | $ 60,000 |
| Wyoming County Pennsylvania | 9 | $ 925,000 | $ 102,000 | $ 60,000 |
| Monroe County New York | 8 | $ 750,000 | $ 93,000 | $ 71,000 |
| Lebanon County Pennsylvania | 8 | $ 470,000 | $ 58,000 | $ 49,000 |
| Lehigh County Pennsylvania | 8 | $ 450,000 | $ 56,000 | $ 46,000 |
| Lancaster County Pennsylvania | 7 | $ 685,000 | $ 97,000 | $ 72,000 |
| Windsor County Vermont | 7 | $ 1,325,000 | $ 189,000 | $ 110,000 |
| Dutchess County New York | 6 | $ 630,000 | $ 105,000 | $ 51,000 |
| Lewis County New York | 6 | $ 540,000 | $ 90,000 | $ 127,000 |
| Livingston County New York | 6 | $ 250,000 | $ 41,000 | $ 63,000 |
| Ulster County New York | 6 | $ 1,340,000 | $ 223,000 | $ 121,000 |
| Wayne County New York | 6 | $ 460,000 | $ 76,000 | $ 61,000 |
| Centre County Pennsylvania | 6 | $ 260,000 | $ 43,000 | $ 44,000 |
| Northampton County Pennsylvania | 6 | $ 620,000 | $ 103,000 | $ 54,000 |
| Bennington County Vermont | 6 | $ 1,160,000 | $ 193,000 | $ 167,000 |
| Grand Isle County Vermont | 6 | $ 1,510,000 | $ 251,000 | $ 446,000 |
| Middlesex County Massachusetts | 5 | $ 6,895,000 | $ 1,379,000 | $ 748,000 |
| Worcester County Massachusetts | 5 | $ 9,935,000 | $ 1,987,000 | $ 84,000 |
| Grafton County New Hampshire | 5 | $ 1,285,000 | $ 257,000 | $ 150,000 |
| Sullivan County New Hampshire | 5 | $ 4,935,000 | $ 987,000 | $ 361,000 |
| Genesee County New York | 5 | $ 235,000 | $ 47,000 | $ 67,000 |
| Seneca County New York | 5 | $ 495,000 | $ 99,000 | $ 127,000 |
| Chemung County New York | 4 | $ 290,000 | $ 72,000 | $ 82,000 |
| Orange County New York | 4 | $ 730,000 | $ 182,000 | $ 130,000 |
| Rockland County New York | 4 | $ 290,000 | $ 72,000 | $ 58,000 |
| Bradford County Pennsylvania | 4 | $ 180,000 | $ 45,000 | $ 32,000 |
| York County Pennsylvania | 4 | $ 190,000 | $ 47,000 | $ 55,000 |
| Windham County Vermont | 4 | $ 890,000 | $ 222,000 | $ 207,000 |
| Essex County Massachusetts | 3 | $ 10,205,000 | $ 3,401,000 | $ 253,000 |
| Cumberland County Pennsylvania | 3 | $ 195,000 | $ 65,000 | $ 85,000 |
| Westmoreland County Pennsylvania | 3 | $ 265,000 | $ 88,000 | $ 82,000 |
| Addison County Vermont | 3 | $ 4,345,000 | $ 1,448,000 | $ 0 |
| Allegany County New York | 2 | $ 110,000 | $ 55,000 | $ 119,000 |
| Steuben County New York | 2 | $ 80,000 | $ 40,000 | $ 33,000 |
| Wyoming County New York | 2 | $ 60,000 | $ 30,000 | $ 67,000 |
| Cambria County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 67,000 |
| Chester County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 64,000 |
| Columbia County Pennsylvania | 2 | $ 1,670,000 | $ 835,000 | $ 960,000 |
| Dauphin County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| Franklin County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Perry County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 53,000 |
| Lamoille County Vermont | 2 | $ 660,000 | $ 330,000 | $ 1,200,000 |
| Los Angeles County California | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Collier County Florida | 1 | $ 355,000 | $ 355,000 | $ 444,000 |
| Hillsborough County Florida | 1 | $ 285,000 | $ 285,000 | $ 363,000 |
| Lee County Florida | 1 | $ 165,000 | $ 165,000 | $ 238,000 |
| Manatee County Florida | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Hancock County Maine | 1 | $ 365,000 | $ 365,000 | $ 818,000 |
| Oxford County Maine | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Sagadahoc County Maine | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Somerset County Maine | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Franklin County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 465,000 | $ 465,000 | $ 134,000 |
| Suffolk County Massachusetts | 1 | $ 615,000 | $ 615,000 | $ 138,000 |
| Carroll County New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Coos County New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cattaraugus County New York | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Nassau County New York | 1 | $ 485,000 | $ 485,000 | $ 2,710,000 |
| Richmond County New York | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Suffolk County New York | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Yates County New York | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Butler County Ohio | 1 | $ 165,000 | $ 165,000 | $ 10,000 |
| Armstrong County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Carbon County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Clarion County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Indiana County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Juniata County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Johnson County Texas | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Essex County Vermont | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Washington County Vermont | 1 | $ 155,000 | $ 155,000 | $ 250,000 |
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 2019
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 | 2,067 | $397,055,000 | $192,000 | $17,665,000 | $115,000 | $6,204,000 |
| Refinancing | 1,098 | $211,700,000 | $192,000 | $15,485,000 | $99,000 | $2,710,000 |
| Home Improvement | 867 | $57,905,000 | $66,000 | $3,205,000 | $89,000 | $3,120,000 |
| Other Purpose | 564 | $37,850,000 | $67,000 | $505,000 | $96,000 | $1,876,000 |
| Cash-out Refinancing | 515 | $92,905,000 | $180,000 | $1,445,000 | $114,000 | $4,138,000 |
| Not Applicable | 24 | $1,720,000 | $71,000 | $95,000 | $41,000 | $88,000 |
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 | 4,145 | $475,495,000 | $114,000 | $3,255,000 | $99,000 | $6,204,000 |
| Not Provided | 529 | $100,735,000 | $190,000 | $2,835,000 | $153,000 | $3,600,000 |
| Not applicable | 245 | $192,075,000 | $783,000 | $17,665,000 | $41,000 | $88,000 |
| Hispanic | 72 | $6,080,000 | $84,000 | $315,000 | $58,000 | $259,000 |
| Asian | 57 | $13,565,000 | $237,000 | $2,435,000 | $162,000 | $1,134,000 |
| Black or African American | 50 | $5,730,000 | $114,000 | $985,000 | $74,000 | $215,000 |
| American Indian or Alaskan Native | 21 | $2,095,000 | $99,000 | $415,000 | $62,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $105,000 | $99,000 | $115,000 |
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) | 4,976 | $777,600,000 | $156,000 | $17,665,000 | $106,000 | $6,204,000 |
| FHA-insured (Federal Housing Administration) | 106 | $14,140,000 | $133,000 | $315,000 | $68,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $5,450,000 | $123,000 | $265,000 | $52,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,945,000 | $216,000 | $255,000 | $99,000 | $158,000 |
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 | 2,908 | $563,640,000 | $193,000 | $17,665,000 | $124,000 | $4,138,000 |
| Application Denied By Financial Institution | 1,319 | $119,045,000 | $90,000 | $805,000 | $73,000 | $3,600,000 |
| Application Approved But Not Accepted | 319 | $34,905,000 | $109,000 | $1,155,000 | $92,000 | $976,000 |
| Loan Purchased By The Institution | 259 | $36,605,000 | $141,000 | $365,000 | $55,000 | $285,000 |
| Application Withdrawn By Applicant | 228 | $33,400,000 | $146,000 | $655,000 | $146,000 | $6,204,000 |
| File Closed For Incompleteness | 57 | $6,425,000 | $112,000 | $325,000 | $83,000 | $438,000 |
| Preapproval Denied by Financial Institution | 34 | $4,080,000 | $120,000 | $305,000 | $55,000 | $116,000 |
| Preapproval Approved but not Accepted | 11 | $1,035,000 | $94,000 | $155,000 | $61,000 | $141,000 |
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 | 3,782 | $676,010,000 | $178,000 | $17,665,000 | $117,000 | $6,204,000 |
| Debt-To-Income Ratio | 616 | $56,840,000 | $92,000 | $635,000 | $52,000 | $389,000 |
| Credit History | 316 | $21,040,000 | $66,000 | $495,000 | $78,000 | $3,120,000 |
| Collateral | 189 | $19,415,000 | $102,000 | $755,000 | $92,000 | $376,000 |
| Other | 103 | $13,135,000 | $127,000 | $805,000 | $164,000 | $3,600,000 |
| Employment History | 51 | $2,635,000 | $51,000 | $175,000 | $45,000 | $127,000 |
| Credit Application Incomplete | 31 | $3,245,000 | $104,000 | $565,000 | $82,000 | $338,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $3,670,000 | $166,000 | $465,000 | $77,000 | $365,000 |
| Unverifiable Information | 14 | $1,790,000 | $127,000 | $775,000 | $54,000 | $83,000 |
| Mortgage Insurance Denied | 11 | $1,355,000 | $123,000 | $275,000 | $75,000 | $243,000 |
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.