Lender in Florida · HMDA 2025
TrustCo Bank mortgages in Florida
TrustCo Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
TrustCo Bank originated 310 owner-occupied single-family loans in Florida from 416 completed applications.
Its median conventional purchase loan costs were $4,840 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.25% (Florida: 6.625%).
Loans in FL
310
of 416 applications
Denial rate
9.4%
Purchase · FL 12.8%
Rate spread
−0.29 pts
Conv. · FL +0.14 pts
Loan amount
$385,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 277 | 232 | 9.4% | 6.250% | −0.29 pts | $4,840 | $385,000 |
| Refinance | 73 | 35 | 45.2% | 6.250% | −0.30 pts | $1,980 | $505,000 |
| Cash-out refinance | 66 | 43 | 24.2% | 6.125% | −0.35 pts | $1,900 | $435,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology