Key Questions:

1. Who are the leading lenders in Tompkins, New York?
   1. The leading lenders, by market share, are Cfcu Community Credit Union, Tompkins Trust Company and Elmira Savings Bank. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Tompkins, New York be in paying off their mortgage?
   1. Homeowners in Tompkins, New York borrowed an average of 1.44 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, a significantly lower risk that Tompkins, New York homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Tompkins, New York to actually live in them?
   1. 91.5% of home owners in Tompkins, New York that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
4. How at risk is Tompkins, New York to the subprime mortgage crisis?
   1. Loans taken out by home owners in Tompkins, New York are within a +/- 10 percent band of the national average. That is to say, Tompkins, New York will likely be affected by the subprime mortgage crisis just like the average county in the US.