Tompkins Bank & Trust mortgage approval rate & lending review
Tompkins Bank & Trust decided 2,765 mortgage applications and funded 2,298 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tompkins Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to tompkinsbank.com.
Tompkins Bank & Trust at a glance
Approval is 6.4 points above the 78.4% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Tompkins Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tompkins County, NY | Mortgage lenders | 96% | 431 | 401 |
| Tompkins County, NY | Home improvement loans | 74% | 194 | 143 |
| Berks County, PA | Mortgage lenders | 91% | 152 | 137 |
| Berks County, PA | Home improvement loans | 69% | 203 | 137 |
| Berks County, PA | Refinance | 77% | 167 | 128 |
| Broome County, NY | Mortgage lenders | 97% | 99 | 93 |
| Onondaga County, NY | Mortgage lenders | 97% | 93 | 90 |
| Monroe County, NY | Mortgage lenders | 95% | 79 | 75 |
| Tompkins County, NY | Refinance | 82% | 89 | 72 |
| Westchester County, NY | Mortgage lenders | 96% | 74 | 69 |
| Berks County, PA | Investment property purchase | 96% | 53 | 48 |
| Erie County, NY | Mortgage lenders | 94% | 49 | 46 |
The county markets where Tompkins Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Tompkins Bank & Trust
What is Tompkins Bank & Trust's mortgage approval rate?
Tompkins Bank & Trust approved 84.8% of the 2,765 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Tompkins Bank & Trust offers?
Borrowers accepted 98% of the loans Tompkins Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tompkins Bank & Trust make?
The typical home purchase mortgage loan Tompkins Bank & Trust made was $275K; across all loan types its typical loan ran from $105K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tompkins Bank & Trust lend?
Tompkins Bank & Trust decided applications in 5 of the states Fat Boy Data covers, most of them in New York, Pennsylvania and Connecticut.
Can I apply to Tompkins Bank & Trust directly?
Yes. Tompkins Bank & Trust reports as a direct lender that takes applications from borrowers. Its website is tompkinsbank.com.
Does this page show Tompkins Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Tompkins Bank & Trust treats applications, then get a rate quote from the lender.