Nbt Financial Bank Mortgage Lending & HMDA Data, 2025
In 2025, Nbt Financial Bank of Fort Worth, TX reported 77 mortgage applications totaling $39.9 million. The average application was for $518,636, and applicants reported an average income of $282,909. 56% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Fort Worth-Arlington, TX (60), Dallas-Plano-Irving, TX (3) and College Station-Bryan, TX (1) (applications in parentheses).
| Mortgage Company & Address | Nbt Financial Bank 2535 Ne 28th St Fort Worth, TX 76111 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 77 |
| Total Mortgage Loan Application Amount | $39,935,000 |
| Average Mortgage Loan Application Amount | $518,636 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $282,909 |
| Highest Applicant Income | $2,775,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nbt Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Nbt Financial Bank in 2025
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 | 67 | $37,105,000 | $553,000 | $4,505,000 | $280,000 | $2,775,000 |
| Refinancing | 5 | $1,465,000 | $293,000 | $405,000 | $159,000 | $167,000 |
| Other Purpose | 3 | $1,015,000 | $338,000 | $455,000 | $681,000 | $1,608,000 |
| Home Improvement | 2 | $350,000 | $175,000 | $185,000 | $93,000 | $93,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 34 | $16,860,000 | $495,000 | $1,405,000 | $328,000 | $2,775,000 |
| Not applicable | 25 | $12,145,000 | $485,000 | $4,505,000 | $0 | $0 |
| Hispanic | 14 | $5,870,000 | $419,000 | $935,000 | $203,000 | $591,000 |
| Not Provided | 2 | $2,150,000 | $1,075,000 | $1,515,000 | $323,000 | $380,000 |
| American Indian or Alaskan Native | 1 | $305,000 | $305,000 | $305,000 | $111,000 | $111,000 |
| Asian | 1 | $2,605,000 | $2,605,000 | $2,605,000 | $648,000 | $648,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 77 | $39,935,000 | $518,000 | $4,505,000 | $295,000 | $2,775,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 43 | $20,865,000 | $485,000 | $4,505,000 | $351,000 | $2,775,000 |
| Application Denied By Financial Institution | 14 | $6,590,000 | $470,000 | $2,605,000 | $241,000 | $1,608,000 |
| File Closed For Incompleteness | 8 | $5,170,000 | $646,000 | $1,335,000 | $246,000 | $600,000 |
| Application Approved But Not Accepted | 6 | $3,180,000 | $530,000 | $655,000 | $282,000 | $566,000 |
| Application Withdrawn By Applicant | 6 | $4,130,000 | $688,000 | $1,515,000 | $293,000 | $420,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 77 | $39,935,000 | $518,000 | $4,505,000 | $295,000 | $2,775,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nbt Financial Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Nbt Financial Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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