NBT Bank, National Association
2,740 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,740
- Median rate
- 5.000%
- Median lender fees
- $4,301
- Median loan amount
- $125,000
- Median spread over APOR
- -2.210
- Paid discount points
- 1.9%
- Received lender credits
- 11.9%
- Purchases / refinances
- 32.4% / 28.9%
- Conventional / FHA / VA
- 99.3% / 0.6% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 31.2% of loans here — see methodology.
Where NBT Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 1,922 | $4,129 | 5.000% |
| Pennsylvania | 480 | $4,764 | 4.990% |
| Connecticut | 113 | — | 4.990% |
| Massachusetts | 85 | — | 4.990% |
| New Hampshire | 74 | — | 5.683% |
| Vermont | 57 | — | 5.250% |