Mortgage Lenders and Brokers in Troy, North Carolina
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, North Carolina mortgage lenders include The Fidelity BankThe Fidelity Bank315 Albemarle Rd, Troy, NC 27371A+5.0 ★Texas Ratio: 3.02%, First BankFirst Bank1040 Albemarle Rd, Troy, NC 27371A+5.0 ★Texas Ratio: 1.94%, State Employees' Credit UnionState Employees' Credit Union1058 ALBEMARLE RD, TROY, NC 27371A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, Uwharrie BankUwharrie Bank800 Highway 24 27 Bypass, Albemarle, NC 28001A+5.0 ★Texas Ratio: 0.72%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Pinnacle BankPinnacle Bank103 N 2nd St, Albemarle, NC 28001A+5.0 ★Texas Ratio: 3.04%, Rocket Mortgage, and Freedom Mortgage Corporation. 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, North Carolina 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 North Carolina, 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, North Carolina
Market share is the lender's share of all home loans closed in Troy, North Carolina. 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 315 Albemarle Rd, Troy, NC 27371 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 4 +1 HELOCs |
4.4% | 100% | $225,000 | View |
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1 office in Troy 1040 Albemarle Rd, Troy, NC 27371 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 3 +3 HELOCs |
3.3% | 75% | $225,000 | View |
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1058 ALBEMARLE RD, TROY, NC 27371 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 37 +17 HELOCs |
41.1% | 80.9% | $175,270 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 3 +1 HELOCs |
3.3% | 75% | $208,333 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional, FHA, USDA | 3 | 3.3% | 100% | $191,666 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $255,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 5.6% | 50% | $249,000 | |
Freedom Mortgage Corporation
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VA | 3 | 3.3% | 100% | $201,666 | |
Mortgage Research Center
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VA | 3 | 3.3% | 100% | $345,000 | |
United Wholesale Mortgage
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FHA, VA | 2 | 2.2% | 100% | $435,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 2.2% | 100% | $115,000 | |
Milend, Inc
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FHA | 2 | 2.2% | 100% | $160,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 2.2% | 100% | $240,000 | View |
21St Mortgage
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Conventional | 2 | 2.2% | 66.7% | $140,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1.1% | 100% | $175,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $55,000 | |
Atlantic Coast Mortgage, LLC
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USDA | 1 | 1.1% | 100% | $125,000 | |
Newrez LLC
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Conventional | 1 | 1.1% | 100% | $65,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 1.1% | 100% | $525,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.1% | 100% | $275,000 | |
loanDepot.com LLC
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FHA | 1 | 1.1% | 100% | $135,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $115,000 | |
Nfm, Inc
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VA | 1 | 1.1% | 100% | $345,000 | |
Castle & Cooke Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $285,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $245,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.1% | 100% | $185,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.1% | 33.3% | $115,000 | |
Reliance First Capital, LLC
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FHA | 1 | 1.1% | 100% | $215,000 | |
Village Capital & Investment
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VA | 1 | 1.1% | 33.3% | $615,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Troy Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Troy, North Carolina
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, NC
Use these to narrow the list above. Each category shows how many Troy, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, NC
Independent mortgage companies closed 37.8 percent of home loans in Troy, North Carolina in 2025, banks 16.7 percent and credit unions 45.6 percent. Rocket Mortgage was the largest mortgage company, The Fidelity Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, The Fidelity Bank led with 4 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.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Troy, NC
By home loans closed in 2025, The Fidelity Bank was the largest mortgage lender in Troy, North Carolina with 4 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Troy, North Carolina in 2025, led by Milend, Inc with 2. 8 lenders closed VA loans, led by Freedom Mortgage Corporation, and 2 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. 7 banks and 3 credit unions closed home loans in Troy, North Carolina in 2025, alongside 23 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, North Carolina 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, North Carolina 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.
