Refinance lenders in Tompkins County, New York
Fat Boy Data analyzed mortgage refinance activity in Tompkins County, New York, home to Ithaca, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 309 applications were decided by 43 lenders between 2023 and 2025.
Tompkins County at a glance
How Tompkins County compares
What the data shows
Tompkins Bank & Trust made the most mortgage refinances in Tompkins County, NY, 72 of them.
That is 31% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.
The First National Bank of Groton approved the highest share of applications among lenders with at least 20 decisions here, 90% of 21.
Lenders approved 77.7% of mortgage refinance applications in Tompkins County, NY, 6.6 percentage points above the New York rate of 71.0%.
The typical mortgage refinance here is $115K, 44% smaller than the New York typical of $205K.
Refinance lenders in Tompkins County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Tompkins Bank & Trust | 82% | 73 / 89 | 99% | $155K | 72 |
| 2 | Community Bank, National Association | 74% | 23 / 31 | 100% | $105K | 23 |
| 3 | Manufacturers and Traders Trust Company | 68% | 17 / 25 | 82% | $105K | 14 |
| 4 | The First National Bank of Groton | 90% | 19 / 21 | 100% | $85K | 19 |
| 5 | Citizens Bank, National AssociationLimited sample | 62% | 10 / 16 | 100% | $105K | 10 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 38 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Tompkins County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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