Michelle Raymond
Administrative Vice President
Michelle Raymond is a highly experienced professional in the mortgage banking industry with over 25 years of expertise in various areas such as origination, operations, secondary marketing, and servicing. Throughout her career, she has consistently demonstrated excellence and achieved outstanding results, making her a highly respected figure in the industry.


Nancy Brown
Assistant Vice President
Nancy has over 25 years of experience in Mortgage Compliance, Quality Control, and Auditing. Nancy has served on the board of the Mortgage Bankers Association of Northeastern New York and has received several certifications in mortgage compliance training. Nancy enjoys traveling, gardening, and spending time with her family.
Mike Curtis
Assistant Vice President
Mike has over 25 years of experience in mortgage originations and management. Mike has served on the boards of the Mortgage Bankers Association of Northeastern New York (MBANENY) as well as the Capital Region Builders and Remodelers Association (CRBRA). My business certifications include Accredited Mortgage Professional (AMP) and Certified Mortgage Banker (CMB), both from the National Mortgage Bankers Association (MBA). I enjoy spending time with my wife and two children, and I’m a big baseball fan!


Lori Lucarelli
Assistant Vice President
Lori has been a mortgage professional for the past 27 years. I began my career in 1993 as a Mortgage Loan Processor, where I was able to learn the mortgage process hands-on, and in 1998 I became a Mortgage Loan Originator. I look at the mortgage process as an opportunity to educate home buyers. I enjoy meeting people and working as a team, having open and honest conversations about their goals and objectives when purchasing a home. I strive to match the right mortgage loan to each client’s unique situation.
Scott Shapiro
Mortgage Processor
Scott is a Mortgage Processor at Trustco Bank with over 5 years’ of experience administrating loan applications and walking clients through the mortgage process. A graduate of SUNY Albany with a major in Communications, Scott specializes in conventional, Fannie Mae/Freddie Mac, FHA, USDA, and VA mortgages. During his time off from work, he enjoys live music shows, video games, and college basketball

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Call 866-999-3002 to contact one of our new mortgage originators today!
Your Home Town Bank
All loans Subject to Credit Approval. NMLS #474376