Purchase Originations
632
Ranked #546 nationally
Median Total Costs
$4,239
−36.5% vs national ($6,680)
↑ $263 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,118
Median Lender Credits
$355
Cost Rank (500+ vol.)
#128
among lenders with 500+ originations
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 614 | 6.250% | $4,149 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 502 | 6.250% | $4,044 | #47 |
| Pennsylvania | 96 | 6.000% | $4,897 | #164 |
| Connecticut | 12 | 6.188% | $5,300 | — |
| Massachusetts | 8 | 5.812% | $5,147 | — |
| New Hampshire | 8 | 5.875% | $5,229 | — |
| Vermont | 5 | 6.000% | $5,094 | — |
| Maine | 1 | 5.250% | $7,658 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,470 | 6.125% | — | 19 | −$769 | |
| 2 | $3,621 | 6.125% | — | 11 | −$618 | |
| 3 | $3,760 | 6.250% | — | 15 | −$479 | |
| 4 | $3,761 | 6.125% | — | 13 | −$478 | |
| 5 | $3,775 | 6.375% | — | 78 | −$464 | |
| 6 | $3,816 | 6.062% | — | 44 | −$423 | |
| 7 | $3,861 | 6.312% | — | 10 | −$378 | |
| 8 | $3,918 | 6.375% | — | 29 | −$321 | |
| 9 | $3,967 | 6.375% | — | 17 | −$272 | |
| 10 | $3,977 | 6.188% | — | 18 | −$262 | |
| 11 | $4,039 | 6.125% | — | 53 | −$200 | |
| 12 | $4,070 | 6.000% | — | 15 | −$169 | |
| 13 | $4,475 | 6.312% | — | 38 | +$236 | |
| 14 | $4,614 | 6.375% | — | 15 | +$375 | |
| 15 | $4,754 | 6.000% | — | 25 | +$515 | |
| 16 | $4,965 | 6.000% | — | 39 | +$726 | |
| 17 | $4,989 | 6.188% | — | 10 | +$750 | |
| 18 | $5,502 | 6.125% | — | 9 | +$1,263 | |
| 19 | $5,707 | 6.125% | — | 9 | +$1,468 | |
| 20 | $6,417 | 6.250% | — | 21 | +$2,178 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | NBT Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,239 | $7,127 | −$2,888 (−40.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.