# Tompkins Community Bank

> **Canonical URL:** https://saferate.com/lenders/tompkins-community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Tompkins Community Bank is a bank, headquartered in Ithaca, NY, serving borrowers across 5 states, with 508 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900Q6YS0NMCYAH669
- **Headquarters:** Ithaca, NY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CT, DE, NJ, NY, PA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.015%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,139
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 508
- **Dollar Volume:** $147 million
- **Applications Received:** 596
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,335
- **Average Borrower Income:** $165,939
- **Average Property Value:** $383,819

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 498 | +0.017% | $1,154 | Strong 😀 |
| Jumbo | 40/100 | 10 | -0.140% | $-70 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 471 loans, Score: 76/100 (Strong)
- Refinance: 27 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 481 | $141M | +0.014% | Strong 😀 |
| Refinance | 33/100 | 27 | $6M | +0.037% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 446 | 0.39% | 81/100 |
| PA | 56 | 0.05% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 141 | 60/100 |
| Ithaca, NY | NY | 131 | 98/100 |
| Rochester, NY | NY | 44 | 59/100 |
| Binghamton, NY | NY | 43 | 69/100 |
| Syracuse, NY | NY | 35 | 58/100 |
| New York | NY-NJ | 33 | 54/100 |
| Reading, PA | PA | 26 | 58/100 |
| Buffalo | NY | 14 | 45/100 |
| Montgomery County | PA | 10 | 41/100 |

## Where This Lender Ranks

Tompkins Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks)
- 🥇 **#1** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Ithaca, NY
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders)
- 🥇 **#1** in Ithaca, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Ithaca, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Rochester, NY Banks
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks)
- 🥇 **#1** in Binghamton, NY Banks
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks)
- 🥇 **#1** in Binghamton, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in New York
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders)
- 🥈 **#2** in Rochester, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Binghamton, NY
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders)
- 🥈 **#2** in Reading, PA Banks
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in Rochester, NY
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders)
- 🥉 **#3** in Reading, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Binghamton, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Syracuse, NY Banks
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks)
- 🏆 **#4** in Syracuse, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Reading, PA
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders)
- 🏆 **#4** in Reading, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Rochester, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Tompkins Community Bank offer?

Tompkins Community Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Tompkins Community Bank offer mortgages?

Tompkins Community Bank offers mortgages in 5 states: CT, DE, NJ, NY, PA.

### How competitive are Tompkins Community Bank's mortgage rates?

Tompkins Community Bank has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.015% above market average.

### What type of lender is Tompkins Community Bank?

Tompkins Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ithaca, NY.

### What is Tompkins Community Bank's loan approval success rate?

Tompkins Community Bank has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tompkins-community-bank

### How to Cite

> "Tompkins Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tompkins-community-bank

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