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Tompkins Community Bank

Bank•Ithaca, NYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Tompkins Community Bank — 508 loans across 596 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Champion
Conventional
Champion
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Tompkins Community Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+1.5 bps above market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
498 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
Jumbo
10 loans · 0.14% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
481 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
Refinance
27 loans · 0.04% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 9 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume498
Mix98.0%
Spread
+0.017%Above
Fees
$1,154Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix2.0%
Spread
-0.140%Below
Fees
$70Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume481
Mix94.7%
Spread
+0.014%Above
Fees
$1,099Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume27
Mix5.3%
Spread
+0.037%Above
Fees
$1,743Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
508
Applications
596
Volume
$147 million
Pricing & Closing
Avg Rate Spread
+0.015%
vs. market APOR
Avg Net Fees
$1,139
Origination − Credits
Pullthrough Rate
85.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$290,335
Avg Borrower Income
$165,939
Avg Property Value
$383,819

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 5050+None
Northeast4
CTNJNYPA
South1
DE

Top Metro Areas by Place Specialization Score

1© Gülməmməd Talk · CC BY-SA 3.0
Ithaca, NYMetro
Volume 131Mix 25.79% of portfolio
98/100
Exceptional
2© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 43Mix 8.46% of portfolio
69/100
Strong
3© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 44Mix 8.66% of portfolio
59/100
Sound
4© Stilfehler · CC BY-SA 3.0
Syracuse, NYMetro
Volume 35Mix 6.89% of portfolio
58/100
Sound
5© Jack · CC BY-SA 2.0
Reading, PAMetro
Volume 26Mix 5.12% of portfolio
58/100
Sound
6© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 33Mix 6.50% of portfolio
54/100
Sound
7© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 14Mix 2.76% of portfolio
45/100
Sound
8© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 10Mix 1.97% of portfolio
41/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 446Mix 87.80% of portfolio
81/100
Exceptional
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 56Mix 11.02% of portfolio
57/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.