NBT Bank, National Association closing costs and rates (2024)
In 2024, NBT Bank, National Association originated 516 purchase mortgages at a median interest rate of 6.25% and median total closing costs of $3,976. That ranks #624 nationally by origination volume. For total closing costs among lenders with 500+ originations, NBT Bank, National Association ranks #113. That is $2,765 below the national median of $6,741. NBT Bank, National Association is most active in New York with 367 originations there.
Purchase Originations
516
Ranked #624 nationally
Median Total Costs
$3,976
−41.0% vs national ($6,741)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,011
Median Lender Credits
$355
Cost Rank (500+ vol.)
#113
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 506 | 6.250% | $3,911 | $969 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 367 | 6.250% | $3,736 | #59 |
| Pennsylvania | 101 | 6.250% | $4,734 | #158 |
| New Hampshire | 23 | 5.875% | $4,380 | — |
| Connecticut | 8 | 6.375% | $4,488 | — |
| Massachusetts | 8 | 6.375% | $4,780 | — |
| Vermont | 6 | 5.938% | $4,912 | — |
| Maine | 3 | 6.000% | $3,815 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,037 | 6.062% | — | 20 | −$939 | |
| 2 | $3,268 | 6.375% | — | 15 | −$708 | |
| 3 | $3,287 | 6.000% | — | 53 | −$689 | |
| 4 | $3,322 | 6.375% | — | 27 | −$654 | |
| 5 | $3,374 | 6.500% | — | 14 | −$602 | |
| 6 | $3,405 | 6.375% | — | 15 | −$571 | |
| 7 | $3,522 | 6.250% | — | 16 | −$454 | |
| 8 | $3,547 | 6.500% | — | 22 | −$429 | |
| 9 | $3,560 | 6.125% | — | 15 | −$416 | |
| 10 | $3,692 | 5.875% | — | 11 | −$284 | |
| 11 | $3,731 | 6.438% | — | 44 | −$245 | |
| 12 | $3,840 | 6.125% | — | 38 | −$136 | |
| 13 | $3,934 | 6.062% | — | 12 | −$42 | |
| 14 | $4,381 | 5.875% | — | 17 | +$405 | |
| 15 | $4,409 | 6.125% | — | 8 | +$433 | |
| 16 | $4,634 | 6.875% | — | 6 | +$658 | |
| 17 | $4,669 | 6.250% | — | 42 | +$693 | |
| 18 | $5,892 | 6.125% | — | 12 | +$1,916 | |
| 19 | $6,229 | 6.438% | — | 12 | +$2,253 | |
| 20 | $6,276 | 6.188% | — | 14 | +$2,300 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.