Applications / Mortgage Analytics / Lenders / New York / Tompkins Bank & Trust
Ithaca, NY · State non-member bank · FDIC · $8.7 billion assets · 1,564 loans in 2025
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1,564
loans originated, 2025
2,097
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tompkins Bank & Trust is an upstate New York bank that grew 17% in 2025 and leads its Ithaca home market, ranking 1 of 102 lenders.
It ranked 1 of 102 lenders in Ithaca, with 25.4% of lending. Its share was far lower a year before, but in so small a market, a few very large loans by other lenders can swing the total, so the rise may say less than its rank. Its share also rose 4.3 points to 6.2% in Binghamton and 1.6 points to 2.5% in Buffalo-Cheektowaga.
Originations rose 17% to 1,564, while similar lenders (state non-member banks making between half and twice as many loans) grew 11% and the whole market 10%. It made 684 loans in 2020 and 1,034 in 2022, the year it merged with three banks, which may account for part of the step up.
All its loans were conventional. Its typical rate, 6.18%, was lower than at more than four in five similar lenders, its higher-priced share (a rate well above the average for similar loans) was 0.1% against 1.4%, and it turned down 3.1% of home-purchase applications against 6.4%.
LMI (low- and moderate-income) borrowers took 27.6% of its loans, close to peers' 27.8% and up from 20.1% five years before. But LMI areas took 9.5%, among the lowest tenth of peers, and majority-minority areas 3.0%, against 8.8%; the make-up of the upstate New York markets it mainly serves is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tompkins Bank & Trust took 2,097 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.5% · Refinance 17.2% · Home improvement 17.1% · Other 13.2%
Conventional 100.0% · of 1,564 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 1,209 | 77.3% |
| Pennsylvania | 342 | 21.9% |
| Connecticut | 8 | 0.5% |
| New Jersey | 4 | 0.3% |
| Delaware | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ithaca | 303 |
| Reading | 222 |
| New York-Jersey City-White Plains | 141 |
| Rochester | 128 |
| Syracuse | 99 |
| Binghamton | 81 |
| Buffalo-Cheektowaga | 73 |
| Montgomery County-Bucks County-Chester County | 47 |
| Kiryas Joel-Poughkeepsie-Newburgh | 39 |
| Elmira | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q6YS0NMCYAH669 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 433608 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3609 | 2004–2017 |
Established 1 January 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Tompkins Bank & Trust's data.
Tompkins Bank & Trust's data
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Tompkins Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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