Unverified listing What this means
The Lender Report built this page from public records. NBT Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about NBT Bank, National Association itself. Each figure shows its source and date. Work at NBT Bank, National Association? You can claim this page for free.
Multifamily record
NBT Bank, National Association: multifamily loans made
NBT Bank, National Association, a bank based in Norwich, NY, made 152 multifamily loans in 2024 and 2025, $413.9M in all, in 7 states. The typical loan was about $760K, and the largest about $42M. Most were in Capitol Planning Region, CT.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 152
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $414M
- HMDA,
- Rounded amounts
- Typical loan
- $760K
- HMDA,
- Largest loan
- $42M
- HMDA,
- Rounded to 2 significant figures
- States
- 7
- HMDA,
Cite this
Source: The Lender Report, NBT Bank, National Association: multifamily loans made, https://lender.report/lender/nbt-bank-ny/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Capitol Planning Region, CT | Purchase, 150 or more units | $31M | 6.93% | 7 yr | 58% | HMDA 2025 |
| 2025 | Dutchess County, NY | Refinance, 150 or more units | $20M | 6.56% | 5 yr | 64% | HMDA 2025 |
| 2025 | Ulster County, NY | Purchase, 50 to 99 units | $16M | 6.82% | 4.9 yr | 72% | HMDA 2025 |
| 2025 | Northampton County, PA | Improvement, 50 to 99 units | $7.5M | 8% | 10 yr | 59% | HMDA 2025 |
| 2025 | Sagadahoc County, ME | Purchase, 50 to 99 units | $7.5M | 6.11% | 11.8 yr | 38% | HMDA 2025 |
| 2025 | Ulster County, NY | Refinance, 25 to 49 units | $7.5M | 5.75% | 10 yr | 68% | HMDA 2025 |
| 2025 | Cayuga County, NY | Purchase, 100 to 149 units | $5.4M | 6.14% | 10 yr | 79% | HMDA 2025 |
| 2025 | Capitol Planning Region, CT | Purchase, 50 to 99 units | $5.2M | 6.35% | 5 yr | 75% | HMDA 2025 |
| 2025 | Worcester County, MA | Purchase, 5 to 24 units | $4.2M | 6.72% | 10 yr | 69% | HMDA 2025 |
| 2025 | Hampden County, MA | Refinance, 50 to 99 units | $3.8M | 6.44% | 10 yr | 75% | HMDA 2025 |
| 2025 | Capitol Planning Region, CT | Refinance, 25 to 49 units | $3.5M | 6.17% | 10 yr | 74% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 25 to 49 units | $3.5M | 6.68% | 6.9 yr | 77% | HMDA 2025 |
| 2025 | Dutchess County, NY | Refinance, 5 to 24 units | $3.3M | 6.36% | 10 yr | 70% | HMDA 2025 |
| 2025 | Oneida County, NY | Refinance, 50 to 99 units | $3M | 6.65% | 10 yr | 73% | HMDA 2025 |
| 2025 | Rockingham County, NH | Purchase, 25 to 49 units | $2.7M | 6.07% | 10 yr | 65% | HMDA 2025 |
| 2025 | Hampden County, MA | Refinance, 25 to 49 units | $2.6M | 6.61% | 10 yr | 74% | HMDA 2025 |
| 2025 | Middlesex County, MA | Purchase, 5 to 24 units | $2.6M | 6.42% | 10 yr | 65% | HMDA 2025 |
| 2025 | Berkshire County, MA | Purchase, 25 to 49 units | $2.4M | 6.58% | 10 yr | 74% | HMDA 2025 |
| 2025 | Monroe County, NY | Purchase, 5 to 24 units | $2.4M | 7.75% | 7 yr | 60% | HMDA 2025 |
| 2025 | Essex County, MA | Purchase, 5 to 24 units | $2.2M | 6.36% | 5 yr | 75% | HMDA 2025 |
| 2025 | Hampshire County, MA | Purchase, 5 to 24 units | $2M | 6.82% | 10 yr | 70% | HMDA 2025 |
| 2025 | Onondaga County, NY | Purchase, 5 to 24 units | $1.8M | 7.5% | 11 yr | 57% | HMDA 2025 |
| 2025 | Lackawanna County, PA | Purchase, 5 to 24 units | $1.6M | 5.8% | 10 yr | 38% | HMDA 2025 |
| 2025 | Kennebec County, ME | Purchase, 5 to 24 units | $1.3M | 6.82% | 10 yr | 81% | HMDA 2025 |
| 2025 | South Central Connecticut Planning Region, CT | Purchase, 5 to 24 units | $1.3M | 6.83% | 10 yr | 75% | HMDA 2025 |
| 152 multifamily loans made in 2024 and 2025 | $414M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Capitol Planning Region, CT | County | 11 | $64.5M |
| Hampden County, MA | County | 8 | $19.4M |
| Hillsborough County, NH | County | 8 | $4.16M |
| New York | State | 7 | $1.61M |
| Oneida County, NY | County | 7 | $5.13M |
| Albany County, NY | County | 6 | $10.7M |
| Berkshire County, MA | County | 6 | $13.9M |
| Broome County, NY | County | 6 | $2.38M |
| Clinton County, NY | County | 4 | $3.68M |
| Dutchess County, NY | County | 4 | $24.9M |
| Northwest Hills Planning Region, CT | County | 4 | $6.28M |
| Onondaga County, NY | County | 4 | $2.98M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 86 | $38.4M |
| $1M to $2.5M | 30 | $49.1M |
| $2.5M to $5M | 13 | $44.0M |
| $5M to $10M | 14 | $96.4M |
| $10M or more | 9 | $186M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 77 | $246M | $1.1M |
| 2025 | 75 | $167M | $640K |
| Purpose | Loans |
|---|---|
| Purchase | 104 |
| Refinance | 38 |
| Improvement | 10 |
| Units | Loans |
|---|---|
| 5 to 24 units | 113 |
| 25 to 49 units | 15 |
| 50 to 99 units | 17 |
| 100 to 149 units | 3 |
| 150 or more units | 4 |
- NBT Bank, National Association made 152 multifamily loans totaling $413.9M in 2024 and 2025, in 55 named places across 7 states. HMDA,
- It made 75 of them in 2025 and 77 in 2024. HMDA,
- The typical loan was about $760K, with the middle half between $380K and $2.4M. HMDA,
- The largest was about $42M. Every amount is rounded to 2 significant figures. HMDA,
- 86 loans were under $1M, and 23 were $5M or more. HMDA,
- It reported a median rate of 6.69% on 152 loans, with the middle half between 6.37% and 6.88%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 70%. HMDA,
- 25% of the loans were refinancings and 68% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 113 loans. HMDA,
- Its loans were most often in Capitol Planning Region, CT (11), Hampden County, MA (8) and Hillsborough County, NH (8). HMDA,
What we don't know
- Whether NBT Bank, National Association is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.