Mortgage lending in Ithaca, NY
1,122 mortgages were originated in the Ithaca, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,122
- Median rate
- 6.375%
- Median lender fees
- $3,490
- Median loan amount
- $215,000
- Median spread over APOR
- -0.065
- Paid discount points
- 14.9%
- Received lender credits
- 13.9%
- Purchases / refinances
- 57% / 17.1%
- Conventional / FHA / VA
- 95.7% / 3.1% / 1.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Ithaca, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Tompkins Community Bank | 303 | $3,734 | 6.270% |
| CFCU COMMUNITY Credit Union | 205 | — | 5.990% |
| Community Bank, National Association | 95 | $30 | 6.990% |
| Rocket Mortgage, LLC | 53 | $5,974 | 6.990% |
| Manufacturers and Traders Trust Company | 51 | — | — |