Lender profile · HMDA 2023–2025
Tompkins Bank & Trust mortgage approval rates & lending data
Tompkins Bank & Trust decided 2,765 mortgage applications and funded 2,298 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 1,101 / 1,171 | 98% | $275K | 1,082 |
| Home improvement loans | 70% | 487 / 692 | 98% | $105K | 479 |
| Cash-out refinance | 80% | 43 / 54 | 98% | $215K | 42 |
| Refinance | 78% | 352 / 452 | 99% | $125K | 347 |
| Investment property purchase | 96% | 255 / 267 | 96% | $205K | 246 |
| Investment cash-out refinance | 76% | 31 / 41 | 94% | $115K | 29 |
| Investment refinance | 88% | 56 / 64 | 96% | $225K | 54 |
Tompkins Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 87% | $275K | 1,800 | 1,533 |
| Pennsylvania | 81% | $125K | 938 | 742 |
| Connecticut | 92% | $555K | 13 | 12 |
| New Jersey | 82% | $845K | 11 | 9 |
| Delaware | 67% | $295K | 3 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.