NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | NBT Wealth Connection | NBT 401(k) Daily Services | NBT Remote Deposit | LPL Account View Online

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.

Home Equity Loan Process

You may ask yourself, "What do I need to start my Home Equity Line of Credit application process?" At NBT Bank, we understand that your time is important. That's why we created this easy to follow page to help guide you through the process of applying for a Home Equity Line of Credit.

Step 1: Prior to Applying

Step 2: Apply

The loan application process should take approximately 10 minutes.  Having the following items available for reference will assist you with the application process:

  • Driver’s License, Passport, Military ID or State ID
  • U.S. Social Security Number
  • U.S. Citizenship or Resident Alien Status
  • A current paycheck stub and/or employment information
  • Download the full application checklist.

Step 3: Send Documents

Once you complete the application information and submit your application, you will receive a confirmation e-mail.

An NBT Bank Home Lending Specialist will contact you within one business day of your application submission.  We will contact you via the preferred method you provided within the loan application process.

Step 4: Before You Close

During the application process, a team of experts will be working together to ensure that your Home Equity request is processed seamlessly.

  • Your NBT Bank Home Lending Specialist will place orders for a property appraisal or evaluation report, a flood determination, a title search, and title insurance (if applicable).
  • Once we have reviewed and approved all of your documentation and information, a final approval will be granted on your loan.

Step 5: Closing

Once final approval is granted and your NBT Bank Home Lending Specialist has cleared your file for closing; they will work with you to schedule your loan closing.  Loan closings will take place at an NBT Bank Branch location nearest you. 

  • A closing package will be prepared, each borrower will need to sign the documents and your home equity account will be established.
Apply Online

chevron right image Apply Online
Loan Rates

chevron right image Learn More
Help Me Decide

chevron right image Learn More

This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No