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Multifamily record
Tompkins Bank & Trust: multifamily loans made
Tompkins Bank & Trust, a bank based in Ithaca, NY, made 126 multifamily loans in 2024 and 2025, $428.2M in all, in 3 states. The typical loan was about $1.1M, and the largest about $26M. Most were in Erie County, NY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 126
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $428M
- HMDA,
- Rounded amounts
- Typical loan
- $1.1M
- HMDA,
- Largest loan
- $26M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, Tompkins Bank & Trust: multifamily loans made, https://lender.report/lender/tompkins-bank-and-trust-ny/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Erie County, NY | Refinance, 150 or more units | $26M | 5.92% | 2 yr | 72% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 100 to 149 units | $25M | 6.23% | 5 yr | 70% | HMDA 2025 |
| 2025 | Tompkins County, NY | Refinance, 50 to 99 units | $21M | 7.06% | 12 yr | 66% | HMDA 2025 |
| 2025 | Lebanon County, PA | Purchase, 100 to 149 units | $16M | 6.57% | 10 yr | 66% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 50 to 99 units | $14M | 6.71% | 5 yr | 72% | HMDA 2025 |
| 2025 | Broome County, NY | Purchase, 50 to 99 units | $12M | 6.83% | 27 yr | 80% | HMDA 2025 |
| 2025 | Westchester County, NY | Purchase, 50 to 99 units | $12M | 6.09% | 10 yr | 77% | HMDA 2025 |
| 2025 | Broome County, NY | Purchase, 50 to 99 units | $10M | 7.1% | 12 yr | 75% | HMDA 2025 |
| 2025 | Niagara County, NY | Purchase, 5 to 24 units | $8.5M | 6.96% | 7 yr | 74% | HMDA 2025 |
| 2025 | New York County, NY | Refinance, 5 to 24 units | $6.6M | 6.35% | 10 yr | 43% | HMDA 2025 |
| 2025 | Westchester County, NY | Refinance, 5 to 24 units | $6.4M | 6.5% | 8 yr | 68% | HMDA 2025 |
| 2025 | Erie County, NY | Refinance, 25 to 49 units | $6.1M | 7.06% | 5 yr | 65% | HMDA 2025 |
| 2025 | New York County, NY | Refinance, 5 to 24 units | $5M | 6.35% | 10 yr | 38% | HMDA 2025 |
| 2025 | New York County, NY | Refinance, 5 to 24 units | $5M | 6.35% | 10 yr | 39% | HMDA 2025 |
| 2025 | Queens County, NY | Purchase, 25 to 49 units | $4.8M | 6.5% | 30 yr | 67% | HMDA 2025 |
| 2025 | Erie County, NY | Refinance, 25 to 49 units | $4.2M | 6.5% | 10.5 yr | 78% | HMDA 2025 |
| 2025 | Onondaga County, NY | Refinance, 5 to 24 units | $3.1M | 6.5% | 30 yr | 70% | HMDA 2025 |
| 2025 | Erie County, NY | Purchase, 5 to 24 units | $2.8M | 6.82% | 10 yr | 79% | HMDA 2025 |
| 2025 | Genesee County, NY | Purchase, 25 to 49 units | $2.7M | 7.5% | 22 yr | 48% | HMDA 2025 |
| 2025 | Bronx County, NY | Purchase, 5 to 24 units | $2.6M | 6.25% | 5 yr | 75% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Refinance, 5 to 24 units | $2.6M | 6.25% | 10 yr | 47% | HMDA 2025 |
| 2025 | Erie County, NY | Improvement, 5 to 24 units | $2.1M | 6.82% | 12.5 yr | 94% | HMDA 2025 |
| 2025 | Onondaga County, NY | Purchase, 25 to 49 units | $2M | 6.49% | 26 yr | 73% | HMDA 2025 |
| 2025 | Westchester County, NY | Purchase, 5 to 24 units | $2M | 6.75% | 35 yr | 45% | HMDA 2025 |
| 2025 | Berks County, PA | Improvement, 5 to 24 units | $1.9M | 7.75% | 10 yr | 43% | HMDA 2025 |
| 126 multifamily loans made in 2024 and 2025 | $428M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Erie County, NY | County | 30 | $118M |
| Onondaga County, NY | County | 15 | $28.4M |
| Tompkins County, NY | County | 12 | $47.2M |
| Westchester County, NY | County | 11 | $48.5M |
| Bronx County, NY | County | 8 | $20.4M |
| Niagara County, NY | County | 6 | $11.6M |
| Chautauqua County, NY | County | 4 | $3.94M |
| New York | State | 4 | $1.68M |
| New York County, NY | County | 4 | $17.8M |
| Philadelphia County, PA | County | 4 | $29.9M |
| Dutchess County, NY | County | 3 | $7.70M |
| Genesee County, NY | County | 3 | $3.52M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 58 | $30.8M |
| $1M to $2.5M | 31 | $45.0M |
| $2.5M to $5M | 12 | $41.9M |
| $5M to $10M | 10 | $67.5M |
| $10M or more | 15 | $243M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 52 | $183M | $980K |
| 2025 | 74 | $245M | $1.2M |
| Purpose | Loans |
|---|---|
| Purchase | 69 |
| Refinance | 48 |
| Improvement | 9 |
| Units | Loans |
|---|---|
| 5 to 24 units | 92 |
| 25 to 49 units | 14 |
| 50 to 99 units | 12 |
| 100 to 149 units | 6 |
| 150 or more units | 2 |
- Tompkins Bank & Trust made 126 multifamily loans totaling $428.2M in 2024 and 2025, in 27 named places across 3 states. HMDA,
- It made 74 of them in 2025 and 52 in 2024. HMDA,
- The typical loan was about $1.1M, with the middle half between $540K and $3.1M. HMDA,
- The largest was about $26M. Every amount is rounded to 2 significant figures. HMDA,
- 58 loans were under $1M, and 25 were $5M or more. HMDA,
- It reported a median rate of 7.00% on 126 loans, with the middle half between 6.55% and 7.47%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 67%. HMDA,
- 38% of the loans were refinancings and 55% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 92 loans. HMDA,
- Its loans were most often in Erie County, NY (30), Onondaga County, NY (15) and Tompkins County, NY (12). HMDA,
What we don't know
- Whether Tompkins Bank & Trust is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.