New York · HMDA 2025
Mortgage lenders in Tompkins County, NY
133 lenders reported 1,738 home-loan applications in Tompkins County in 2025. 1,122 closed as loans ($415.5M), 273 were denied — a 19.0% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 44% of applications, led by Tompkins Community Bank. 22 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,738
- Loans originated
- 1,122
- Purchase / refinance
- 640 / 192
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Tompkins County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Tompkins Community Bank 60 out of 100, Moderate | 385 | 22.2% | 19.9% |
| 2 | CFCU COMMUNITY Credit Union | 255 | 14.7% | — |
| 3 | Community Bank, National Association 62 out of 100, Moderate | 133 | 7.7% | 18.9% |
| 4 | Rocket Mortgage, LLC | 89 | 5.1% | — |
| 5 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 84 | 4.8% | 32.9% |
| 6 | 1ST PRIORITY MORTGAGE, INC. | 56 | 3.2% | — |
| 7 | Visions Federal Credit Union 64 out of 100, Moderate | 54 | 3.1% | 32.6% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 47 | 2.7% | 14.1% |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 38 | 2.2% | 32.5% |
| 10 | The First National Bank of Groton 78 out of 100, Strong | 35 | 2.0% | 9.3% |
| 11 | Tioga State Bank, N. A. | 28 | 1.6% | — |
| 12 | The First National Bank of Dryden | 24 | 1.4% | — |
| 13 | Alternatives Federal Credit Union 29 out of 100, Low | 24 | 1.4% | 8.9% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 22 | 1.3% | — |
| 15 | 21st Mortgage Corporation | 21 | 1.2% | — |
| 16 | Chemung Canal Trust Company 72 out of 100, Strong | 21 | 1.2% | 15.1% |
| 17 | Discover Bank | 19 | 1.1% | — |
| 18 | TRIAD FINANCIAL SERVICES, INC. | 16 | 0.9% | — |
| 19 | NEWREZ LLC | 14 | 0.8% | — |
| 20 | EVERETT FINANCIAL, INC. | 14 | 0.8% | — |
| 21 | KeyBank National Association 63 out of 100, Moderate | 13 | 0.7% | 32.8% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.7% | 32.9% |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 12 | 0.7% | 44.7% |
| 24 | AMERICU Credit Union 48 out of 100, Below average | 12 | 0.7% | 28.4% |
| 25 | CORNING CREDIT UNION | 12 | 0.7% | — |
| 26 | BETTER MORTGAGE CORPORATION | 12 | 0.7% | — |
| 27 | MOVEMENT MORTGAGE, LLC | 11 | 0.6% | — |
| 28 | Cayuga Lake National Bank 44 out of 100, Below average | 11 | 0.6% | 6.1% |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 11 | 0.6% | 37.2% |
| 30 | PREMIUM MORTGAGE CORPORATION | 10 | 0.6% | — |
| 31 | Citibank, National Association 60 out of 100, Moderate | 10 | 0.6% | 24.0% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 0.5% | 39.5% |
| 33 | Mortgage Research Center, LLC | 7 | 0.4% | — |
| 34 | TD Bank, National Association 63 out of 100, Moderate | 7 | 0.4% | 35.3% |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.3% | 22.2% |
| 36 | NBT Bank, National Association 64 out of 100, Moderate | 6 | 0.3% | 23.4% |
| 37 | NATIONSTAR MORTGAGE LLC | 6 | 0.3% | — |
| 38 | Empower Federal Credit Union 59 out of 100, Moderate | 6 | 0.3% | 17.2% |
| 39 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 6 | 0.3% | 4.9% |
| 40 | Loandepot.Com, LLC | 5 | 0.3% | — |
Top 40 of 133 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps