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2024 data HMDA 2024 disclosure official source

Tompkins County

1,594 mortgage applications, 15.5% denial rate. Verify FIPS 36109 with U.S. Census Bureau →

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New York · FIPS 36109

Local mortgage market. Tompkins County, New York saw 1,594 HMDA-reported mortgage applications in 2024. Lenders originated 1,052 of those loans and denied 247, producing a denial rate of 15.5% and an approval (origination) rate of 66.0%. The average loan amount was $756,035 at an average note rate of 6.45%, with applicants self-reporting average annual income of $36K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 21.0x, meaning typical borrowers took on mortgages of about 21.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 36109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,594
Applications
1,052
Originated
15.5%
Denial Rate
66.0%
Approval Rate
$756,035
Avg Loan Amount
6.45%
Avg Interest Rate
$36K
Avg Applicant Income
21.0x
Loan-to-Income Ratio

Nearby Lenders in Tompkins County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Tompkins Community Bank 271 25.8%
2 Cfcu Community Credit Union 192 18.3%
3 Community Bank, N.A. 97 9.2%
4 M&T Bank 51 4.8%
5 Rocket Mortgage 44 4.2%
Compare Tompkins Community Bank vs Cfcu Community Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Tompkins County?
In the 2024 HMDA reporting year, 1,594 mortgage applications were filed in Tompkins County, New York. Of these, 1,052 were originated (approved and funded), while 247 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Tompkins County?
The mortgage denial rate in Tompkins County is 15.5%. The approval (origination) rate is 66.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Tompkins County?
The average mortgage loan amount in Tompkins County is $756,035. The average interest rate is 6.454%. The average applicant income is $36K.
What is the loan-to-income ratio in Tompkins County?
The average loan-to-income ratio in Tompkins County is 21.0x, meaning borrowers took on loans averaging 21.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Tompkins County?
The top mortgage lenders in Tompkins County by origination volume are Tompkins Community Bank, Cfcu Community Credit Union, Community Bank, N.A.. In total, 99 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.