We analyzed every closed loan from NBT Bank — 648 loans across 841 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 8.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
NBT Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.6 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
613 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
FHA
10 loans · 0.41% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
25 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
598 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
Refinance
50 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 613 | 94.6% | -0.088%Below | $1,033Fees | ||||
FHA Loans | — | 10 | 1.5% | +0.410%Above | $1,029Fees | |||
Jumbo Loans | — | 25 | 3.9% | -0.382%Below | $1,149Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume613
Mix94.6%
Spread
-0.088%Below
Fees
$1,033Fees
FHA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume10
Mix1.5%
Spread
+0.410%Above
Fees
$1,029Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume25
Mix3.9%
Spread
-0.382%Below
Fees
$1,149Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 598 | 92.3% | -0.115%Below | $1,007Fees | ||||
Refinance | 50 | 7.7% | +0.226%Above | $1,336Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume598
Mix92.3%
Spread
-0.115%Below
Fees
$1,007Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume50
Mix7.7%
Spread
+0.226%Above
Fees
$1,336Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
648
Applications
841
Volume
$185 million
Pricing & Closing
Avg Rate Spread
-0.086%
vs. market APOR
Avg Net Fees
$1,035
Origination − Credits
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$285,664
Avg Borrower Income
$161,469
Avg Property Value
$385,926
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast7
CTMEMANHNYPAVT
South1
FL
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.