At NBT Bank, we are here to make your mortgage application process as smooth as possible. Please take a moment to review our FAQs and Mortgage Products pages for answers to your questions. Most, if not all, of the answers to your questions are readily available on this website. If you are unable to find the answer to your question, please use the appropriate links below to better serve you.

Customer Service is available:
Monday - Friday 7:00AM - 7:00PM
Saturday 9:00AM - 12:00PM

Mortgage applications received after 3:00PM will be processed the next business day.

Questions or inquiries received during non-business hours will be processed on the next business day. Hours of operation exclude federal holidays.		 Mailing Address:
NBT Bank Residential Mortgage Department
Attn: Alternative Delivery
52 South Broad Street
Norwich, NY 13815

Telephone:
1-800-NBT-BANK (1-800-628-2265)

Mortgage Products and Options
Do you have questions about the types of products and programs we offer? Follow this link to learn more about what NBT Bank has to offer. There, you can gather details on the particulars of each product to help answer any questions you may have.

Frequently Asked Questions (FAQs)
Take a moment to review this section to find answers to the most commonly asked questions we receive.

Current Rates
Click here for our current rates.

Custom Rate Quote
Unable to find the product or rate you were looking for within our rates section? Click here to request a custom rate quote for properties such as Investment/1-4 units, Jumbo Loans, Camps, Excessive Acreage homes, etc.

Technical Questions
If you are having trouble navigating the site, or experiencing technical issues with the online application, contact us here. If you are currently in the middle of an application, please SAVE your application before closing your browser.

Loan Status
Wondering about the status of your mortgage loan application? Simply follow this link to view your loan status; remember to have your User Name and Password ready.

Request User Name or Password
If you’ve forgotten your User Name or Password for logging in to the Loan Status file, click here to fill out a request form.

Before-You-Apply Questions
See our FAQs or Mortgage Products pages to learn more, However, if you’re unable to find the answer to your question there, and you’re ready to apply, then click here for assistance.

Contact Us
If you are a current mortgage customer and have questions about your loan (such as escrow, payments, payoffs, balances, past due loans, abstract of title, etc.), or if you were unable to find the answer to your question or concern in our FAQ or Mortgage Products sections, please fill in this form with the appropriate information and a service representative will contact you.

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