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Tompkins Community Bank
Bank|Ithaca, NY|Regional
Loans Originated
508
Applications
596
Volume
$147 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.015%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,139
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Report Card
Tompkins Community Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Regional · 9 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$290,335
Average Borrower Income
$165,939
Average Property Value
$383,819
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Strong | Exceptional | Exceptional | 498 | 98.0% | +0.017% | $1,154 |
Jumbo Loans | Sound | Sound | N/A | N/A | 10 | 2.0% | -0.140% | -$70 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 481 | 94.7% | +0.014% | $1,099 |
Refinance | Sound | Acceptable | Exceptional | Acceptable | 27 | 5.3% | +0.037% | $1,743 |
Geographic Coverage
Metro Areas
8
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTDENJNYPA
Top Metro Areas by Place Specialization Score
1
Ithaca, NY, NYMSA
Volume: 131Mix: 25.79%
Place Specialization
Exceptional
2
Binghamton, NY, NYMSA
Volume: 43Mix: 8.46%
Place Specialization
Strong
3
Rochester, NY, NYMSA
Volume: 44Mix: 8.66%
Place Specialization
Sound
4
Syracuse, NY, NYMSA
Volume: 35Mix: 6.89%
Place Specialization
Sound
5
Reading, PA, PAMSA
Volume: 26Mix: 5.12%
Place Specialization
Sound
6
New York, NY-NJMSA
Volume: 33Mix: 6.50%
Place Specialization
Sound
7
Buffalo, NYMSA
Volume: 14Mix: 2.76%
Place Specialization
Sound
8
Montgomery County, PAMSA
Volume: 10Mix: 1.97%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 446Mix: 87.80%
Place Specialization
Exceptional
2
PAState
Volume: 56Mix: 11.02%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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