Tompkins Community Bank received 2,096 applications in 2025 and made
1,564 mortgages, in 67 counties across 5 states.
The median rate its borrowers got was 6.185% on a median loan of $185,000.
Of 1,992 decisions, 396 were denials — 19.9%, most often for debt-to-income ratio.
Legal Entity Identifier
254900Q6YS0NMCYAH669
Applications received
2,096
Mortgages made
1,564
Denied
396
Approved, not taken up
32
Withdrawn or incomplete
104
Loans bought from other lenders
0
Median rate spread over the prime offer rate
-0.2195 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
821
6.500%
$225,000
4.9%
Refinancing
245
3.250%
$175,000
22.1%
Cash-out refinancing
24
6.563%
$255,000
29.7%
Other purposes
474
3.250%
$105,000
35.8%
Where Tompkins Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Tompkins Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.