Mortgage Lenders and Brokers in Troy, Illinois
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Troy, Illinois mortgage lenders include Fcb BanksFcb Banks504 Edwardsville Rd, Troy, IL 62294A5.0 ★Texas Ratio: 7.31%, Busey BankBusey Bank507 Edwardsville Rd, Troy, IL 62294A+5.0 ★Texas Ratio: 2.31%, Scott Credit UnionScott Credit Union501 Edwardsville Rd, Troy, IL 62294 1353A+5.0 ★Texas Ratio: 3.36%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Carrollton BankCarrollton Bank120 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 3.58%, Revity Credit UnionRevity Credit Union4105 Humbert Rd, Alton, IL 62002A+5.0 ★Texas Ratio: 2.35%, Collinsville Building and Loan AssociationCollinsville Building and Loan Association701 Belt Line Rd, Collinsville, IL 62234A+5.0 ★Texas Ratio: 0.23%, Bank of O'FallonBank of O'Fallon901 S Lincoln Ave, OFallon, IL 62269A+5.0 ★Texas Ratio: 5.16%, and First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA101 W Washington Ave, Altamont, IL 62411A+5.0 ★Texas Ratio: 3.88%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Troy, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Troy are listed first, then lenders elsewhere in Illinois, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Troy, Illinois
Market share is the lender's share of all home loans closed in Troy, Illinois. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Troy 504 Edwardsville Rd, Troy, IL 62294 A5.0 ★Texas Ratio: 7.31% |
Conventional, FHA, VA, HELOC | 47 +20 HELOCs |
15% | 95.9% | $275,000 | View |
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1 office in Troy 507 Edwardsville Rd, Troy, IL 62294 A+5.0 ★Texas Ratio: 2.31% |
Conventional, HELOC | 3 +6 HELOCs |
1% | 100% | $195,000 | View |
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501 Edwardsville Rd, Troy, IL 62294 1353 A+5.0 ★Texas Ratio: 3.36% |
Conventional, VA, HELOC | 18 +5 HELOCs |
5.7% | 100% | $278,333 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 7 +7 HELOCs |
2.2% | 81.8% | $163,571 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +6 HELOCs |
1.9% | 75% | $223,333 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, VA, HELOC | 5 +3 HELOCs |
1.6% | 85.7% | $259,000 | View |
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4105 Humbert Rd, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 5 | 1.6% | 100% | $173,000 | View |
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701 Belt Line Rd, Collinsville, IL 62234 A+5.0 ★Texas Ratio: 0.23% |
Conventional | 4 | 1.3% | 100% | $147,500 | View |
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901 S Lincoln Ave, OFallon, IL 62269 A+5.0 ★Texas Ratio: 5.16% |
Conventional | 4 | 1.3% | 100% | $310,000 | View |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional, USDA, HELOC | 2 +2 HELOCs |
0.6% | 100% | $170,000 | View |
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1015 W Windsor Rd, Champaign, IL 61821 A5.0 ★Texas Ratio: 13.68% |
Conventional | 2 | 0.6% | 100% | $545,000 | View |
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692 N 4th Street, Breese, IL 62230 A5.0 ★Texas Ratio: 11.76% |
Conventional | 2 | 0.6% | 100% | $165,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 100% | $230,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.6% | 100% | $235,000 | View |
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100 McDonald Dr, Troy, IL 62294 A5.0 ★Texas Ratio: 11.80% |
Conventional | 2 | 0.6% | 60% | $125,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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550 N 2nd St, Breese, IL 62230 B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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215 S Illinois St, Belleville, IL 62220 B4.6 ★Texas Ratio: 19.57% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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115 S Madison St, Lebanon, IL 62254 B+4.8 ★Texas Ratio: 17.14% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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123 E Knoxville St, Brimfield, IL 61517 A+5.0 ★Texas Ratio: 5.41% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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285 Southwoods Ctr, Columbia, IL 62236 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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2400 Madison Ave, Granite City, IL 62040 A+5.0 ★Texas Ratio: 2.23% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
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100 E Clay St, Collinsville, IL 62234 A5.0 ★Texas Ratio: 8.07% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $265,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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350 Riverpark Dr, East Saint Louis, IL 62201 A+5.0 ★Texas Ratio: 2.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 7 | 2.2% | 100% | $297,857 | |
Guaranteed Rate, Inc.
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VA | 3 | 1% | 100% | $431,666 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 0.6% | 100% | $380,000 | |
Citizens Equity First Credit U
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $305,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
5.7% | 100% | $351,666 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 4.8% | 88.2% | $206,333 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA, VA | 15 | 4.8% | 100% | $329,000 | View |
Mortgage Research Center
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VA | 12 | 3.8% | 80% | $391,666 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 9 +1 HELOCs |
2.9% | 100% | $268,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.2% | 87.5% | $199,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 6 | 1.9% | 85.7% | $416,666 | |
American Pacific Mortgage Corporation
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Conventional, VA | 6 | 1.9% | 85.7% | $308,333 | |
Nationstar Mortgage
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Conventional | 6 | 1.9% | 100% | $73,333 | |
Endeavor Capital, LLC
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Conventional, VA | 6 | 1.9% | 100% | $368,333 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 1.6% | 100% | $381,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 1.6% | 55.6% | $117,000 | |
Guild Mortgage Company
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Conventional, VA | 5 | 1.6% | 100% | $367,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, USDA | 4 | 1.3% | 100% | $155,000 | |
Equity Prime Mortgage LLC
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Conventional, VA, USDA | 3 | 1% | 100% | $381,666 | |
loanDepot.com LLC
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Conventional, VA | 3 | 1% | 60% | $188,333 | |
Movement Mortgage, LLC
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Conventional | 3 | 1% | 100% | $215,000 | |
Jlb Corporation dba Golden Oak Lending
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FHA | 3 | 1% | 100% | $231,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 1% | 100% | $388,333 | View |
Planet Home Lending, LLC
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VA | 3 | 1% | 100% | $458,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1% | 75% | $251,666 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1% | 75% | $61,666 | View |
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A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 2 +4 HELOCs |
0.6% | 100% | $110,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.6% | 40% | $150,000 | |
Frontier Financial, Inc. DBA Frontier Mortgage
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Conventional | 2 | 0.6% | 100% | $260,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 5.66% |
Conventional, VA | 2 | 0.6% | 66.7% | $220,000 | View |
Lower, LLC
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Conventional, VA | 2 | 0.6% | 100% | $325,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.6% | 100% | $245,000 | |
Paramount Residential Mortgage
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FHA | 2 | 0.6% | 100% | $260,000 | |
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A5.0 ★Texas Ratio: 12.35% |
Conventional | 2 | 0.6% | 66.7% | $135,000 | View |
Greenstate Credit Union
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Newrez LLC
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VA | 1 | 0.3% | 50% | $425,000 | |
Royal Banks of Missouri
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Conventional | 1 | 0.3% | 100% | $465,000 | |
MortgageOne, Inc
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VA | 1 | 0.3% | 100% | $255,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
East Coast Capital Corp.
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Conventional | 1 | 0.3% | 100% | $55,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $225,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 4.97% |
Conventional | 1 | 0.3% | 50% | $425,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Mission Loans, LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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A5.0 ★Texas Ratio: 11.97% |
VA | 1 | 0.3% | 100% | $375,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 50% | $55,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Gershman Investment Corp.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
First Community Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Troy Mortgage Rate Trends
Daily average mortgage rates for Illinois compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Troy, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Troy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Troy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Troy, IL
Use these to narrow the list above. Each category shows how many Troy, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, IL
Independent mortgage companies closed 54.8 percent of home loans in Troy, Illinois in 2025, banks 34.4 percent and credit unions 10.8 percent. Mutual of Omaha Mortgage was the largest mortgage company, Fcb Banks the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Illinois, Fcb Banks led with 47 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Illinois. State transfer tax of $0.50 per $500 plus a county tax of $0.25 per $500, usually paid by the seller; Chicago adds $3.75 per $500 paid by the buyer and $1.50 per $500 paid by the seller, and many suburbs levy their own stamps. No mortgage recording tax.
More Illinois Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Troy, IL
By home loans closed in 2025, Fcb Banks was the largest mortgage lender in Troy, Illinois with 47 loans, about 15 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Troy, Illinois in 2025, led by Rocket Mortgage with 3. 28 lenders closed VA loans, led by Mortgage Research Center, and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 35 banks and 10 credit unions closed home loans in Troy, Illinois in 2025, alongside 44 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Troy, Illinois during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Troy, Illinois for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Troy. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
