Purchase Originations
846
Ranked #427 nationally
Median Total Costs
$3,949
−40.9% vs national ($6,680)
↓ $286 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,694
Median Lender Credits
$299
Cost Rank (500+ vol.)
#105
among lenders with 500+ originations
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 846 | 6.375% | $3,949 | $1,694 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 604 | 6.375% | $3,602 | #38 |
| Florida | 232 | 6.250% | $4,846 | #146 |
| New Jersey | 6 | 6.375% | $5,656 | — |
| Massachusetts | 2 | 6.438% | $2,878 | — |
| Vermont | 2 | 5.933% | $1,723 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,709 | 6.500% | — | 9 | −$1,240 | |
| 2 | $3,031 | 6.375% | — | 104 | −$918 | |
| 3 | $3,081 | 6.250% | — | 11 | −$868 | |
| 4 | $3,197 | 6.375% | — | 14 | −$752 | |
| 5 | $3,432 | 6.312% | — | 10 | −$517 | |
| 6 | $3,442 | 6.375% | — | 145 | −$507 | |
| 7 | $3,663 | 6.375% | — | 59 | −$286 | |
| 8 | $3,830 | 6.250% | — | 17 | −$119 | |
| 9 | $3,931 | 6.375% | — | 29 | −$18 | |
| 10 | $3,962 | 6.250% | — | 9 | +$13 | |
| 11 | $4,221 | 6.375% | — | 136 | +$272 | |
| 12 | $4,374 | 6.250% | — | 28 | +$425 | |
| 13 | $4,432 | 6.250% | — | 14 | +$483 | |
| 14 | $4,546 | 6.250% | — | 11 | +$597 | |
| 15 | $4,644 | 6.250% | — | 38 | +$695 | |
| 16 | $4,717 | 6.250% | — | 30 | +$768 | |
| 17 | $4,872 | 6.375% | — | 21 | +$923 | |
| 18 | $5,089 | 6.250% | — | 29 | +$1,140 | |
| 19 | $5,362 | 6.250% | — | 15 | +$1,413 | |
| 20 | $6,521 | 6.250% | — | 19 | +$2,572 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | TrustCo Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $3,949 | $7,127 | −$3,178 (−44.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.