Lender in New York · HMDA 2025
TrustCo Bank mortgages in New York
TrustCo Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
TrustCo Bank originated 711 owner-occupied single-family loans in New York from 844 completed applications.
Its median conventional purchase loan costs were $3,600 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
711
of 844 applications
Denial rate
7.0%
Purchase · NY 9.5%
Rate spread
−0.28 pts
Conv. · NY +0.07 pts
Loan amount
$335,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 691 | 604 | 7.0% | 6.375% | −0.28 pts | $3,600 | $335,000 |
| Refinance | 76 | 48 | 28.9% | 6.125% | −0.37 pts | $2,000 | $275,000 |
| Cash-out refinance | 77 | 59 | 18.2% | 6.125% | −0.32 pts | $2,000 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where TrustCo Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Albany County | 3 | 174 | 6.7% |
| Saratoga County | 3 | 164 | 6.8% |
| Schenectady County | 5 | 119 | 6.8% |
| Rensselaer County | 5 | 68 | 4.7% |
| Greene County | 6 | 11 | 2.9% |
| Warren County | 7 | 16 | 2.8% |
| Columbia County | 9 | 11 | 2.3% |
| Schoharie County | 9 | 7 | 2.8% |
| Washington County | 12 | 12 | 2.1% |
| Rockland County | 13 | 31 | 1.3% |
| Montgomery County | 14 | 7 | 1.7% |
| Westchester County | 23 | 48 | 0.7% |
| Putnam County | 25 | 10 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology