Largest lenders in Tompkins County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Tompkins Community Bank | B | 385 | 303 | 14.8% | 6.27% |
| 2 | CFCU COMMUNITY Credit Union | B | 255 | 205 | 11.4% | 5.99% |
| 3 | Community Bank | D | 133 | 95 | 12.0% | 6.99% |
| 4 | Rocket Mortgage | C | 86 | 53 | 27.9% | 6.99% |
| 5 | Manufacturers and Traders Trust | C | 83 | 51 | 27.7% | 6.00% |
| 6 | 1st Priority Mortgage | A | 56 | 44 | 0.0% | 6.44% |
| 7 | Visions Federal Credit Union | C | 54 | 22 | 31.5% | 7.25% |
| 8 | The First National Bank of Groton | – | 35 | 29 | 14.3% | — |
| 9 | Tioga State Bank, N. A. | B | 28 | 23 | 10.7% | — |
| 10 | Alternatives Federal Credit Union | – | 24 | 21 | 8.3% | — |
| 11 | The First National Bank of Dryden | – | 24 | 21 | 8.3% | — |
| 12 | 21st Mortgage | F | 21 | 4 | 47.6% | 9.51% |
| 13 | Chemung Canal Trust | C | 21 | 18 | 0.0% | 6.74% |
| 14 | Discover Bank | F | 19 | 1 | 52.6% | 8.68% |
| 15 | Citizens Bank | C | 18 | 6 | 50.0% | 8.65% |
| 16 | JPMorgan Chase Bank | B | 18 | 8 | 11.1% | 6.37% |
| 17 | Triad Financial Services | D | 16 | 3 | 25.0% | 8.67% |
| 18 | Everett Financial | C | 14 | 11 | 14.3% | 6.75% |
| 19 | KeyBank | C | 13 | 9 | 23.1% | 6.50% |
| 20 | Bank of America | F | 12 | 4 | 25.0% | 6.37% |
| 21 | Better Mortgage | F | 12 | 3 | 33.3% | 8.75% |
| 22 | Corning Credit Union | A | 12 | 10 | 0.0% | 6.14% |
| 23 | Navy Federal Credit Union | D | 12 | 7 | 25.0% | 9.25% |
| 24 | AMERICU Credit Union | C | 12 | 5 | 50.0% | 6.49% |
| 25 | USAA Federal Savings Bank | C | 11 | 6 | 27.3% | 6.88% |
Best approval odds in Tompkins County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | CFCU COMMUNITY Credit Union | 244 | 11.9% |
| 2 | Community Bank | 111 | 14.4% |
| 3 | Tompkins Community Bank | 368 | 15.5% |
| 4 | Manufacturers and Traders Trust | 79 | 29.1% |
| 5 | Rocket Mortgage | 77 | 31.2% |
What Tompkins County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Tompkins County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,527 | 1,090 | 13.8% | 6.25% | $175,000 |
| 2024 | 1,529 | 1,049 | 16.2% | 6.50% | $185,000 |
| 2025 | 1,642 | 1,122 | 16.6% | 6.38% | $195,000 |
Frequently asked questions
16.6% of applications in Tompkins County were denied in 2025, against 19.8% statewide in New York.
Tompkins Community Bank, with 385 applications in 2025 and a denial rate of 14.8%.
The median mortgage application in Tompkins County in 2025 was for $195,000; the median property value on originated loans was $375,000.