Lender in New York · HMDA 2025
Tompkins Community Bank mortgages in New York
Tompkins Community Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Tompkins Community Bank originated 539 owner-occupied single-family loans in New York from 573 completed applications.
Its median conventional purchase loan costs were $3,630 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
539
of 573 applications
Denial rate
3.3%
Purchase · NY 9.5%
Rate spread
+0.02 pts
Conv. · NY +0.07 pts
Loan amount
$215,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 540 | 516 | 3.3% | 6.500% | +0.02 pts | $3,630 | $215,000 |
| Refinance | 12 | 9 | — | — | — | — | — |
| Cash-out refinance | 21 | 14 | 28.6% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Tompkins Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tompkins County | 1 | 162 | 26.8% |
| Cortland County | 3 | 39 | 12.5% |
| Schuyler County | 3 | 11 | 9.2% |
| Wyoming County | 4 | 21 | 6.0% |
| Tioga County | 4 | 16 | 4.0% |
| Genesee County | 5 | 22 | 4.6% |
| Cayuga County | 6 | 26 | 4.7% |
| Broome County | 9 | 45 | 3.3% |
| Livingston County | 9 | 11 | 2.3% |
| Seneca County | 9 | 7 | 3.2% |
| Allegany County | 11 | 4 | 1.5% |
| Orleans County | 12 | 7 | 2.0% |
| Chemung County | 13 | 12 | 1.6% |
| Chenango County | 13 | 4 | 1.3% |
| Cattaraugus County | 19 | 4 | 0.9% |
| Putnam County | 24 | 10 | 1.0% |
| Steuben County | 24 | 7 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology