Tompkins Community Bank in Pennsylvania vs the state
24.1%Denial rate+5.79 pts vs state
25.2%Decision denial rate+2.95 pts vs state
69.8%Origination rate+8.84 pts vs state
3.25%Median rate-3.38 pts vs state
-3.94Rate spread (pts)-4.18 pts vs state
$113kMedian applicant income
342Loans originated
118Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 441 | 339 | 18.4% | 5.25% | #157 |
| 2024 | 386 | 283 | 22.3% | 3.25% | #176 |
| 2025 | 490 | 342 | 24.1% | 3.25% | #155 |
What Tompkins Community Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Tompkins Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 316 | 222 | 73 | 23.1% |
| Schuylkill County | 57 | 42 | 13 | 22.8% |
| Montgomery County | 42 | 30 | 11 | 26.2% |
| Chester County | 15 | 10 | 4 | 26.7% |
| Lebanon County | 12 | 9 | 1 | 8.3% |
| Bucks County | 11 | 7 | 4 | 36.4% |
| Delaware County | 10 | 6 | 3 | 30.0% |
| Philadelphia County | 9 | 4 | 5 | 55.6% |
| Lancaster County | 5 | 3 | 2 | 40.0% |
| Lehigh County | 4 | 4 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 490 applications in 2025, of which 342 were originated and 118 denied.
24.1% of all applications, or 25.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Tompkins Community Bank originated in Pennsylvania in 2025 was 3.25%, against a statewide median of 6.63%.
About this data. Figures are Tompkins Community Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology