Mortgage Lenders and Brokers in Troy, Missouri
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, Missouri mortgage lenders include The Bank of Old MonroeThe Bank of Old Monroe100 Market Place Dr, Troy, MO 63379A+5.0 ★Texas Ratio: 0.03%, Peoples Bank & Trust Co.Peoples Bank & Trust Co.430 E Wood St, Troy, MO 63379A-5.0 ★Texas Ratio: 14.19%, US Bank, N.A.US Bank, N.A.100 N Lincoln Dr, Troy, MO 63379A+5.0 ★Texas Ratio: 2.85%, HNB National BankHNB National Bank114 N Lincoln Dr, Troy, MO 63379A+5.0 ★Texas Ratio: 0.35%, Peoples Savings BankPeoples Savings Bank115 N Lincoln Dr, Troy, MO 63379A+5.0 ★Texas Ratio: 2.68%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, First Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, Vantage Credit UnionVantage Credit Union11915 Saint Charles Rock Rd, Bridgeton, MO 63044A+5.0 ★Texas Ratio: 4.97%, Stifel Bank & TrustStifel Bank & Trust501 N Broadway, Saint Louis, MO 63102A-4.8 ★Texas Ratio: 12.33%, and The Missouri BankThe Missouri Bank2500 Range Line St, Columbia, MO 65202A+5.0 ★Texas Ratio: 0.69%. 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, Missouri 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 Missouri, 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, Missouri
Market share is the lender's share of all home loans closed in Troy, Missouri. 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 100 Market Place Dr, Troy, MO 63379 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 33 | 4.9% | 94.3% | $228,939 | View |
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2 offices in Troy 430 E Wood St, Troy, MO 63379 A-5.0 ★Texas Ratio: 14.19% |
Conventional | 22 | 3.3% | 96.3% | $183,636 | View |
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1 office in Troy 100 N Lincoln Dr, Troy, MO 63379 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 15 +7 HELOCs |
2.2% | 71.4% | $233,000 | View |
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1 office in Troy 114 N Lincoln Dr, Troy, MO 63379 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 5 | 0.7% | 100% | $313,000 | View |
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1 office in Troy 115 N Lincoln Dr, Troy, MO 63379 A+5.0 ★Texas Ratio: 2.68% |
Conventional | 3 | 0.4% | 100% | $185,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA | 24 | 3.6% | 100% | $277,916 | View |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
Conventional, HELOC | 17 +10 HELOCs |
2.5% | 81% | $128,529 | View |
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11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97% |
Conventional, HELOC | 11 +2 HELOCs |
1.6% | 78.6% | $157,727 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional, FHA, HELOC | 10 +1 HELOCs |
1.5% | 100% | $273,000 | View |
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2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69% |
Conventional | 9 | 1.3% | 100% | $188,333 | View |
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2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 7 | 1% | 80% | $195,000 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 100% | $195,000 | View |
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3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06% |
Conventional | 4 | 0.6% | 100% | $145,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.4% | 75% | $185,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.4% | 75% | $348,333 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 3 | 0.4% | 100% | $418,333 | |
United Credit Union
200 Main St, Troy, MO 63379 |
Conventional | 3 | 0.4% | 75% | $95,000 | |
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217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 3 | 0.4% | 100% | $101,666 | View |
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101 Community Bank Plz, Troy, MO 63379 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 3 | 0.4% | 100% | $78,333 | View |
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★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $315,000 | View |
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101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68% |
Conventional | 2 | 0.3% | 100% | $370,000 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional, FHA | 2 | 0.3% | 100% | $275,000 | View |
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1 Front St, Troy, MO 63379 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $205,000 | View |
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308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 50% | $335,000 | View |
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1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $295,000 | View |
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1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $315,000 | View |
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804 Highway 28 W, Belle, MO 65013 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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169 Long Rd, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 1 | 0.1% | 100% | $685,000 | View |
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15495 Clayton Rd, Ballwin, MO 63011 A5.0 ★Texas Ratio: 12.84% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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9201 Ward Pkwy, Kansas City, MO 64114 A+5.0 ★Texas Ratio: 2.38% |
FHA | 1 | 0.1% | 100% | $95,000 | View |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
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7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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1108 S Business Highway 61, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.67% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
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74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95% |
FHA | 1 | 0.1% | 50% | $375,000 | View |
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619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First State Bank of St Charles
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Conventional, FHA, VA, USDA | 27 | 4% | 100% | $274,259 | |
Das Acquisition Company, LLC
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Conventional, FHA, VA | 25 | 3.7% | 93.5% | $271,800 | |
Gershman Investment Corp.
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Conventional, FHA | 13 | 1.9% | 100% | $205,000 | |
Jlb Corporation dba Golden Oak Lending
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Conventional, FHA | 11 | 1.6% | 100% | $253,181 | |
Mortgage Research Center
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VA | 11 | 1.6% | 84.6% | $358,636 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA | 5 | 0.7% | 100% | $233,000 | View |
Endeavor Capital, LLC
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Conventional, FHA, VA | 4 | 0.6% | 100% | $270,000 | |
Frontier Financial, Inc. DBA Frontier Mortgage
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Conventional | 2 | 0.3% | 100% | $250,000 | |
Family Finance Mortgage LLC
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Conventional | 2 | 0.3% | 100% | $310,000 | |
Access Capital Funding LLC
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FHA | 2 | 0.3% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
Mortgage Solutions, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
FCS Financial FLCA
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 56 | 8.4% | 100% | $251,428 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 45 | 6.7% | 97.9% | $182,555 | View |
New American Funding, LLC.
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Conventional, FHA, VA, USDA, HELOC | 29 +3 HELOCs |
4.3% | 100% | $242,241 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 23 +1 HELOCs |
3.4% | 95.8% | $260,217 | |
Freedom Mortgage Corporation
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FHA, VA | 23 | 3.4% | 87.1% | $292,826 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 1.8% | 80% | $213,333 | |
Newrez LLC
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Conventional, FHA, VA | 11 | 1.6% | 91.7% | $172,272 | |
Geneva Financial LLC
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Conventional, FHA, USDA | 11 | 1.6% | 100% | $257,727 | |
Nations Lending Corporation
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Conventional, FHA, VA | 10 | 1.5% | 100% | $359,000 | |
Nationstar Mortgage
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Conventional, VA | 10 | 1.5% | 90.9% | $114,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 7 +1 HELOCs |
1% | 100% | $319,285 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 6 | 0.9% | 85.7% | $230,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 0.9% | 85.7% | $173,333 | |
American Pacific Mortgage Corporation
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Conventional, VA | 6 | 0.9% | 85.7% | $406,666 | |
Fairway Independent Mort Corp
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Conventional, USDA | 6 | 0.9% | 85.7% | $311,666 | |
Planet Home Lending, LLC
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FHA | 5 | 0.7% | 100% | $301,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +2 HELOCs |
0.6% | 80% | $267,500 | |
Envoy Mortgage, Ltd
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Conventional, FHA, VA | 4 | 0.6% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 4 | 0.6% | 100% | $305,000 | View |
Thompson Kane & Company, Inc
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Conventional, USDA | 4 | 0.6% | 100% | $180,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 4 | 0.6% | 100% | $335,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $61,666 | |
AmeriHome Mortgage Company, LLC
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FHA | 3 | 0.4% | 100% | $281,666 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 3 | 0.4% | 50% | $75,000 | View |
Discover Bank
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Conventional | 3 | 0.4% | 30% | $71,666 | |
Mutual of Omaha Mortgage
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Conventional, VA | 3 | 0.4% | 75% | $281,666 | |
Everett Financial, Inc.
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Conventional | 2 | 0.3% | 100% | $285,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.3% | 50% | $205,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.3% | 50% | $190,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.3% | 66.7% | $205,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 0.3% | 100% | $240,000 | |
Scott Credit Union
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Conventional | 2 | 0.3% | 100% | $365,000 | |
New Day Financial, LLC.
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VA | 2 | 0.3% | 100% | $295,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.3% | 50% | $385,000 | View |
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A4.5 ★Texas Ratio: 2.64% |
Conventional | 2 | 0.3% | 100% | $275,000 | View |
Lower, LLC
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Conventional | 2 | 0.3% | 100% | $170,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional, VA | 2 | 0.3% | 100% | $220,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, USDA | 2 | 0.3% | 100% | $265,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.3% | 100% | $235,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.3% | 50% | $125,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.3% | 60% | $70,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.3% | 75% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 3.14% |
VA | 1 | 0.1% | 100% | $495,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
VA | 1 | 0.1% | 100% | $505,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.1% | 50% | $225,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Goodleap, LLC
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FHA | 1 | 0.1% | 100% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.1% | 100% | $245,000 | View |
Golden Empire Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $445,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.1% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
American Financing Corporation
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VA | 1 | 0.1% | 25% | $505,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.1% | 100% | $255,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.1% | 100% | $215,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.1% | 100% | $355,000 | View |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.1% | 100% | $235,000 | View |
Empeople Credit Union
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $285,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 50% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 50% | $105,000 | |
Texana Bank
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VA | 1 | 0.1% | 100% | $575,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Tammac Holdings Corporation
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Conventional | 1 | 0.1% | 40% | $55,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 60% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-5.0 ★Texas Ratio: 14.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
Troy Mortgage Rate Trends
Daily average mortgage rates for Missouri compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Troy, Missouri
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, MO
Use these to narrow the list above. Each category shows how many Troy, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, MO
Independent mortgage companies closed 64 percent of home loans in Troy, Missouri in 2025, banks 28.3 percent and credit unions 7.8 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Bank of Old Monroe the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Missouri, The Bank of Old Monroe led with 33 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.
Title or escrow companies usually handle closings in Missouri. None; Missouri has no real estate transfer tax or mortgage recording tax, only recording fees.
More Missouri Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Troy, MO
By home loans closed in 2025, The Bank of Old Monroe was the largest mortgage lender in Troy, Missouri with 33 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Troy, Missouri, Guild Mortgage Company approved the highest share of completed applications in 2025 at 100 percent, against a 89.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
40 lenders closed FHA loans in Troy, Missouri in 2025, led by Freedom Mortgage Corporation with 14. 32 lenders closed VA loans, led by Mortgage Research Center, and 10 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. 49 banks and 15 credit unions closed home loans in Troy, Missouri in 2025, alongside 63 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, Missouri 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, Missouri 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.
