Tompkins Community Bank in New York vs the state
17.4%Denial rate-2.35 pts vs state
18.4%Decision denial rate-5.68 pts vs state
75.9%Origination rate+16.35 pts vs state
6.25%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.35 pts vs state
$112kMedian applicant income
1,209Loans originated
277Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,185 | 911 | 15.5% | 5.88% | #65 |
| 2024 | 1,346 | 1,035 | 17.2% | 6.00% | #53 |
| 2025 | 1,592 | 1,209 | 17.4% | 6.25% | #54 |
What Tompkins Community Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Tompkins Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tompkins County | 385 | 303 | 57 | 14.8% |
| Westchester County | 123 | 86 | 24 | 19.5% |
| Onondaga County | 102 | 87 | 8 | 7.8% |
| Wyoming County | 96 | 67 | 27 | 28.1% |
| Genesee County | 90 | 69 | 19 | 21.1% |
| Cortland County | 88 | 67 | 17 | 19.3% |
| Erie County | 78 | 55 | 14 | 17.9% |
| Monroe County | 76 | 60 | 13 | 17.1% |
| Livingston County | 67 | 38 | 25 | 37.3% |
| Putnam County | 66 | 40 | 21 | 31.8% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,592 applications in 2025, of which 1,209 were originated and 277 denied.
17.4% of all applications, or 18.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Tompkins Community Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Tompkins Community Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology