HMDA records
4,999
2025
Public institution profile · Bank · Not a recommendation
TrustCo Bank
BankGlenville, NYActive
FDIC certificate 31945
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 31945
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 677176
- OCC charter number
- 707635
- Not published — no verified match
- Official website
- https://www.trustcobank.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Glenville, NY
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 134
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 1 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Glenville, NY
- activity
- Published activity year 2025
- Listed branch locations
- 134
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 1 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
4,999reported records
2,788reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
2,788
2025
Denials
1,188
2025
Withdrawals
476
2025
Denial rate among decisioned applications
28.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 4,999 | 2,788 | 192 | 1,188 | 476 | 28.5% |
| 2024 | 4,516 | 2,453 | 102 | 1,160 | 625 | 31.2% |
| 2023 | 5,719 | 3,210 | 186 | 1,530 | 612 | 31.1% |
| 2022 | 7,281 | 4,262 | 245 | 1,781 | 801 | 28.3% |
| 2021 | 9,397 | 5,968 | 373 | 1,918 | 843 | 23.2% |
| 2020 | 8,888 | 5,456 | 376 | 1,959 | 806 | 25.1% |
| 2019 | 6,459 | 3,878 | 297 | 1,631 | 524 | 28.1% |
| 2018 | 5,726 | 3,675 | 336 | 1,242 | 410 | 23.6% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 4,999 |
| FHA | 0 |
| VA | 0 |
| RHS / FSA | 0 |
| Home purchase | 1,409 |
| Home improvement | 502 |
| Refinancing | 542 |
| Cash-out refinancing | 452 |
State reporting
6 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- TrustCo Bank
- Display name
- TrustCo Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- August 9, 1989
- Established date
- January 1, 1925
- Charter class
- Federal savings bank
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Glenville, NY, 12302, United States
- Website
- https://www.trustcobank.com
- FDIC certificate number
- 31945
- Federal Reserve
- 677176
- OCC charter number
- 707635
- Domestic location count
- 134
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- Federal Savings Bank
- Primary activity
- NAICS 52218
- FDIC certificate
- 31945
- Federal Reserve
- 677176
- 549300GCEP3NM7A1X491
- Headquarters
- 5 Sarnowski Drive, Glenville, NY, 12302, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
3
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | TRUSTCO INSURANCE AGENCY, INC | Domestic Entity Other | Glenville, NY |
| Direct relationship | TRUSTCO REALTY CORP. | Domestic Entity Other | Glenville, NY |
| ROOT_INSTITUTION | TRUSTCO BANK | Federal Savings Bank | Glenville, NY |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured federal savings bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
134
Showing 1 through 50 of 134 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| LAKE BRANTLEY BRANCH | 909 North State Road 434 | Altamonte Springs | FL | 32714 |
| APOPKA BRANCH | 1134 North Rock Springs Road | Apopka | FL | 32712 |
| BRADENTON BRANCH | 5858 Cortez Road West | Bradenton | FL | 34210 |
| NORTH CLERMONT BRANCH | 12302 Roper Boulevard Unit 108 | Clermont | FL | 34711 |
| SOUTH CLERMONT BRANCH | 16908 High Grove Boulevard | Clermont | FL | 34714 |
| DAVENPORT BRANCH | 2300 Deer Creek Commerce Lane | Davenport | FL | 33837 |
| ENGLEWOOD BRANCH | 2930 South Mccall Road | Englewood | FL | 34224 |
| JUNO BEACH BRANCH | 14051 US Highway 1 | Juno Beach | FL | 33408 |
| GATEWAY COMMONS BRANCH | 1525 East Osceola Parkway, Suite 120 | Kissimmee | FL | 34744 |
| PLEASANT HILL COMMONS BRANCH | 3307 South Orange Blossom Trail | Kissimmee | FL | 34746 |
| LADY LAKE BRANCH | 873 North US Highway 27/441 | Lady Lake | FL | 32159 |
| LAKE SQUARE BRANCH | 10105 Route 441 | Leesburg | FL | 34788 |
| LEESBURG BRANCH | 1330 Citzens Blvd Ste 101 | Leesburg | FL | 34748 |
| SWEETWATER BRANCH | 671 North Hunt Club Road | Longwood | FL | 32779 |
| MAITLAND BRANCH | 9400 South US Highway 17/92 Suite F | Maitland | FL | 32751 |
| MELBOURNE BRANCH | 2481 Croton Road | Melbourne | FL | 32935 |
| NAPLES LOAN OFFICE | 2390 9th Street | Naples | FL | 34103 |
| ORANGE CITY BRANCH | 902 Saxon Boulevard Suite 101 | Orange City | FL | 32763 |
| AVALON PARK BRANCH | 3662 Avalon Parks East Boulevard | Orlando | FL | 32828 |
| BAY HILL BRANCH | 6084 Apopka Vineland Road | Orlando | FL | 32819 |
| BEELINE CENTER BRANCH | 10249 South John Young Parkway Suite 101 | Orlando | FL | 32837 |
| COLONIAL DRIVE BRANCH | 4301 East Colonial Drive | Orlando | FL | 32803 |
| CURRY FORD ROAD WEST BRANCH | 2838 West Curry Ford Road | Orlando | FL | 32806 |
| DEAN ROAD BRANCH | 3920 North Dean Road | Orlando | FL | 32817 |
| DOWNTOWN ORLANDO BRANCH | 415 East Pine Street | Orlando | FL | 32801 |
| EAST COLONIAL BRANCH | 12901 East Colonial Drive | Orlando | FL | 32826 |
| LAKE NONA BRANCH | 9360 Narcoossee Road | Orlando | FL | 32827 |
| LEE VISTA BRANCH | 8288 Lee Vista Boulevard | Orlando | FL | 32829 |
| METRO WEST BRANCH | 2619 South Hiawassee Road | Orlando | FL | 32835 |
| ORMOND BEACH BRANCH | 115 North Nova Road | Ormond Beach | FL | 32174 |
| OSPREY BRANCH | 1300 South Tamiami Trail | Osprey | FL | 34229 |
| ALAFAYA WOODS BRANCH | 1500 Alafaya Trail | Oviedo | FL | 32765 |
| OVIEDO BRANCH | 1875 West County Road 419 Suite 600 | Oviedo | FL | 32766 |
| PALM COAST BRANCH | 120 Belle Terre Pkwy, Suite 28 | Palm Coast | FL | 32164 |
| PORT ORANGE BRANCH | 3751 Clyde Morris Boulevard | Port Orange | FL | 32129 |
| LAKE MARY BLVD BRANCH | 350 West Lake Mary Boulevard | Sanford | FL | 32773 |
| RINEHART ROAD BRANCH | 1185 Rinehart Road | Sanford | FL | 32771 |
| WESTWOOD PLAZA BRANCH | 4942 SR 46 | Sanford | FL | 32771 |
| BENEVA BRANCH | 5950 South Beneva Road | Sarasota | FL | 34238 |
| SARASOTA BRANCH | 2704 Bee Ridge Road | Sarasota | FL | 34239 |
| STUART BRANCH | 951 SE Federal Highway | Stuart | FL | 34994 |
| SUN CITY CENTER BRANCH | 4441 Sun City Center | Sun City Center | FL | 33573 |
| VENICE BRANCH | 2057 South Tamiami Trail | Venice | FL | 34293 |
| VERO BEACH BRANCH | 4125 20th Street | Vero Beach | FL | 12302 |
| WINDERMERE BRANCH | 2899 Maguire Road | Windermere | FL | 34786 |
| WINTER GARDEN BRANCH | 16118 Marsh Road | Winter Garden | FL | 34787 |
| WINTER HAVEN BRANCH | 7476 Cypress Gardens Boulevard Southeast | Winter Haven | FL | 33884 |
| ALOMA PARK CENTER BRANCH | 4070 Aloma Avenue Suite 1000 | Winter Park | FL | 32792 |
| WINTER PARK | 1211 North Orange Avenue | Winter Park | FL | 32789 |
| TUSKAWILLA BRANCH | 1295 Tuskawilla Road Suite 10 | Winter Springs | FL | 32708 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
1
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| November 16, 2002 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.