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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Troy, Ohio

Troy, Ohio mortgage lenders include US Bank, N.A.US Bank, N.A.910 W Main St, Troy, OH 45373A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association825 W Market St, Troy, OH 45373A+5.0 ★Texas Ratio: 3.22%, Greenville FederalGreenville Federal948 N Market St, Troy, OH 45373A+5.0 ★Texas Ratio: 5.18%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1011 W Main St, Troy, OH 45373A+5.0 ★Texas Ratio: 3.68%, Greenville National BankGreenville National Bank846 W Main St, Troy, OH 45373A+5.0 ★Texas Ratio: 0.92%, The Park National BankThe Park National Bank1314 W Main St, Troy, OH 45373A5.0 ★Texas Ratio: 6.62%, PNC Bank N.A.PNC Bank N.A.10 S Dorset Rd, Troy, OH 45373A+5.0 ★Texas Ratio: 4.24%, First Bank RichmondFirst Bank Richmond1867 W Main St, Troy, OH 45373A-4.9 ★Texas Ratio: 16.01%, First Financial BankFirst Financial Bank635 S Market St, Troy, OH 45373A+5.0 ★Texas Ratio: 3.21%, and Wright Patt Credit Union IncWright Patt Credit Union Inc2501 W Main St, Troy, OH 45373 8444A5.0 ★Texas Ratio: 6.22%. 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, Ohio 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 Ohio, 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, Ohio

Market share is the lender's share of all home loans closed in Troy, Ohio. 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
1 office in Troy
910 W Main St, Troy, OH 45373
A+5.0 ★Texas Ratio: 2.85%
Conventional, HELOC 27
+12 HELOCs
4% 90.6% $203,148 View
2 offices in Troy
825 W Market St, Troy, OH 45373
A+5.0 ★Texas Ratio: 3.22%
Conventional, FHA, VA, HELOC 21
+54 HELOCs
3.1% 84.6% $195,952 View
2 offices in Troy
948 N Market St, Troy, OH 45373
A+5.0 ★Texas Ratio: 5.18%
Conventional 14 2.1% 93.3% $226,428 View
1 office in Troy
1011 W Main St, Troy, OH 45373
A+5.0 ★Texas Ratio: 3.68%
Conventional 9 1.3% 90% $256,111 View
1 office in Troy
846 W Main St, Troy, OH 45373
A+5.0 ★Texas Ratio: 0.92%
Conventional 9 1.3% 90.9% $289,444 View
1 office in Troy
1314 W Main St, Troy, OH 45373
A5.0 ★Texas Ratio: 6.62%
Conventional, VA, HELOC 6
+5 HELOCs
0.9% 85.7% $218,333 View
★ 1.7 stars, 3 reviews
1 office in Troy
10 S Dorset Rd, Troy, OH 45373
A+5.0 ★Texas Ratio: 4.24%
Conventional, HELOC 5
+17 HELOCs
0.7% 100% $243,000 View
1 office in Troy
1867 W Main St, Troy, OH 45373
A-4.9 ★Texas Ratio: 16.01%
Conventional 4 0.6% 100% $205,000 View
1 office in Troy
635 S Market St, Troy, OH 45373
A+5.0 ★Texas Ratio: 3.21%
Conventional, HELOC 3
+15 HELOCs
0.4% 100% $201,666 View
2501 W Main St, Troy, OH 45373 8444
A5.0 ★Texas Ratio: 6.22%
Conventional, FHA, HELOC 76
+41 HELOCs
11.4% 78.3% $168,289 View
Union Savings Bank
14 S Weston Rd, Troy, OH 45373
Conventional, FHA, VA, HELOC 72
+16 HELOCs
10.8% 97.4% $266,388
3421 Ridgewood Rd, Akron, OH 44333
A+5.0 ★Texas Ratio: 3.66%
Conventional, FHA, VA, HELOC 11
+6 HELOCs
1.6% 92.3% $249,545 View
8512 N Dixie Dr, Dayton, OH 45414
A+5.0 ★Texas Ratio: 2.24%
Conventional 5 0.7% 100% $449,000 View
2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156
A+5.0 ★Texas Ratio: 4.81%
Conventional 5 0.7% 83.3% $251,000 View
2450 Esquire Dr, Beavercreek, OH 45431 2573
A+5.0 ★Texas Ratio: 5.33%
Conventional 4 0.6% 100% $105,000 View
1107 Sweitzer St, Greenville, OH 45331
A+5.0 ★Texas Ratio: 1.79%
Conventional, Jumbo 4 0.6% 100% $535,000 View
1280 Experiment Farm Rd, Troy, OH 45373
A+5.0 ★Texas Ratio: 0.90%
Conventional 4 0.6% 100% $217,500 View
35592 Detroit Rd, Avon, OH 44011
A+5.0 ★Texas Ratio: 2.32%
Conventional, HELOC 3
+1 HELOCs
0.4% 100% $205,000 View
39 Oak St, Amelia, OH 45102
A+5.0 ★Texas Ratio: 0.82%
Conventional, HELOC 2
+5 HELOCs
0.3% 75% $420,000 View
225 Upper Lewisburg Salem Rd, Brookville, OH 45309
A+5.0 ★Texas Ratio: 2.05%
Conventional, FHA 2 0.3% 100% $235,000 View
891 W Market St, Troy, OH 45373
A5.0 ★Texas Ratio: 13.11%
Conventional 2 0.3% 100% $115,000 View
3927 Indian Ripple Rd, Dayton, OH 45440 3449
A+5.0 ★Texas Ratio: 2.96%
Conventional 2 0.3% 100% $70,000 View
New Carlisle Federal Savings Bank
400 N Main St, New Carlisle, OH 45344
Conventional 2 0.3% 100% $440,000
4737 Us Highway 62, Berlin, OH 44610
A+5.0 ★Texas Ratio: 0.68%
Conventional 2 0.3% 100% $95,000 View
Honda Federal Credit Union
12500 Meranda Rd, Anna, OH 45302 9604
Conventional, HELOC 1
+1 HELOCs
0.1% 50% $285,000
4030 Smith Rd, Cincinnati, OH 45209
A+5.0 ★Texas Ratio: 2.91%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $265,000 View
4916 National Rd, Clayton, OH 45315
A+5.0 ★Texas Ratio: 4.49%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $175,000 View
1 N Hawkins Ave, Akron, OH 44313
D3.3 ★Texas Ratio: 35.11%
FHA 1 0.1% 100% $165,000 View
223 N Miami Ave, Bradford, OH 45308
A+5.0 ★Texas Ratio: 0.00%
Conventional 1 0.1% 100% $125,000 View
2147 East Ave, Akron, OH 44314
A+5.0 ★Texas Ratio: 5.44%
Conventional 1 0.1% 100% $135,000 View
3451 Center Rd, Brunswick, OH 44212
A+5.0 ★Texas Ratio: 4.14%
Conventional 1 0.1% 100% $155,000 View
36839 Detroit Rd, Avon, OH 44011
A+5.0 ★Texas Ratio: 4.66%
Conventional 1 0.1% 100% $175,000 View
529 N Cleveland Massillon Rd, Akron, OH 44333
A+5.0 ★Texas Ratio: 4.72%
Conventional 1 0.1% 100% $295,000 View
3983 Medina Rd, Akron, OH 44333
A+5.0 ★Texas Ratio: 4.81%
HELOC 0
+1 HELOCs
0% n/a View
1100 US Highway 52, Aberdeen, OH 45101 9377
A5.0 ★Texas Ratio: 6.10%
HELOC 0
+1 HELOCs
0% n/a View
760 Kinnear Rd, Columbus, OH 43212 1488
A+5.0 ★Texas Ratio: 3.12%
HELOC 0
+1 HELOCs
0% n/a View
425 Rona Pkwy, Brookville, OH 45309 1117
HELOC 0
+1 HELOCs
0% n/a View
1135 W Ohio Pike, Amelia, OH 45102 1240
A+5.0 ★Texas Ratio: 3.32%
HELOC 0
+1 HELOCs
0% n/a View
CrossCountry Mortgage, LLC
Conventional, FHA, VA 29 4.3% 90.9% $239,137
Union Home Mortgage Corp.
Conventional, FHA 8 1.2% 100% $172,500
The Equitable Mortgage Corporation
Conventional 3 0.4% 100% $278,333
Equity Resources Inc
FHA 2 0.3% 100% $135,000
T2 Financial LLC
Conventional, VA, Jumbo 2 0.3% 100% $510,000
Schumacher Mortgage LLC
Conventional 1 0.1% 100% $525,000
myCUmortgage
Conventional 1 0.1% 100% $175,000
SIRVA Mortgage, Inc.
Conventional 1 0.1% 100% $335,000
Liberty Home Mortgage Corp
FHA 1 0.1% 100% $235,000
loanDepot.com LLC
Conventional, FHA, VA, HELOC 38
+1 HELOCs
5.7% 92.9% $206,315
Rocket Mortgage
Conventional, FHA, VA 37 5.5% 79.6% $204,729
Cornerstone First Mortgage, LLC
Conventional, FHA, VA 31 4.6% 100% $249,838
United Wholesale Mortgage
Conventional, FHA, VA 19 2.8% 90.5% $305,526
Guaranteed Rate, Inc.
Conventional, FHA 11 1.6% 92.3% $218,636
Newrez LLC
Conventional, FHA, VA 11 1.6% 91.7% $208,636
Das Acquisition Company, LLC
Conventional, FHA, VA, Jumbo 11 1.6% 100% $365,000
Mortgage Research Center
Conventional, VA 11 1.6% 78.6% $297,727
Primelending
Conventional, FHA, VA 10 1.5% 100% $189,000
Nationstar Mortgage
Conventional, FHA, VA 10 1.5% 58.8% $154,000
A+5.0 ★Texas Ratio: 0.38%
Conventional, VA 6 0.9% 100% $346,666 View
Pennymac Loan Services LLC
Conventional, FHA, VA 6 0.9% 66.7% $175,000
Fairway Independent Mort Corp
Conventional, FHA 6 0.9% 100% $238,333
Freedom Mortgage Corporation
Conventional, FHA, VA 5 0.7% 80% $193,000
Nfm, Inc
Conventional, VA 5 0.7% 100% $265,000
A5.0 ★Texas Ratio: 8.14%
Conventional, VA 5 0.7% 100% $217,000
Howard Hanna Financial Services, Inc
Conventional 4 0.6% 100% $255,000
Lower, LLC
Conventional, FHA 4 0.6% 100% $212,500
A+5.0 ★Texas Ratio: 0.51%
Conventional 4 0.6% 100% $215,000 View
Goodleap, LLC
Conventional, VA, HELOC 3
+2 HELOCs
0.4% 66.7% $128,333
Spring Eq, LLC
Conventional, HELOC 3
+2 HELOCs
0.4% 75% $71,666
New American Funding, LLC.
Conventional, FHA, HELOC 3
+1 HELOCs
0.4% 75% $325,000
AdvantageFirst Lending Inc
Conventional, FHA 3 0.4% 75% $268,333
Carrington Mortgage Services LLC
Conventional, FHA 3 0.4% 62.5% $81,666
Guaranteed Rate Affinity, LLC
Conventional, VA 2 0.3% 100% $485,000
Primary Residential Mortgage, INC.
FHA, VA 2 0.3% 100% $230,000
AmeriHome Mortgage Company, LLC
FHA, VA 2 0.3% 100% $270,000
Amerisave Mortgage Company
Conventional, FHA 2 0.3% 28.6% $210,000
Guild Mortgage Company
Conventional, FHA 2 0.3% 100% $275,000
Geneva Financial LLC
Conventional, FHA 2 0.3% 100% $110,000
New Day Financial, LLC.
VA 2 0.3% 50% $170,000
B-3.5 ★Texas Ratio: 6.80%
VA 2 0.3% 100% $385,000 View
Zillow Home Loans, LLC
Conventional, FHA 2 0.3% 100% $155,000
Mutual of Omaha Mortgage
FHA, VA 2 0.3% 66.7% $265,000
The Loan Store, Inc
Conventional 2 0.3% 100% $135,000
DHI Mortgage Company, LTD.
Conventional, FHA 2 0.3% 66.7% $380,000
B+4.8 ★Texas Ratio: 16.98%
FHA, VA 2 0.3% 100% $310,000 View
Paramount Residential Mortgage
FHA 2 0.3% 100% $165,000
Village Capital & Investment
VA 2 0.3% 60% $420,000
Polaris Home Funding Corp.
FHA 1 0.1% 100% $185,000
A5.0 ★Texas Ratio: 8.01%
FHA 1 0.1% 100% $145,000 View
C3.9 ★Texas Ratio: 27.97%
VA 1 0.1% 100% $455,000 View
American Financial Resources LLC
Conventional 1 0.1% 100% $185,000
Royal United Mortgage LLC
Conventional 1 0.1% 33.3% $135,000
All Credit Considered Mortgage, Inc.
Conventional 1 0.1% 100% $365,000
Gvc Mortgage, Inc.
Conventional 1 0.1% 100% $305,000
Nbkc Bank
VA 1 0.1% 100% $525,000
Equity Prime Mortgage LLC
FHA 1 0.1% 25% $155,000
Loansteady LLC
Conventional 1 0.1% 100% $435,000
A+5.0 ★Texas Ratio: 5.29%
FHA 1 0.1% 100% $175,000 View
General Mortgage Capital Corporation
Conventional 1 0.1% 100% $175,000
Discover Bank
Conventional 1 0.1% 14.3% $55,000
Sun West Mortgage Company, Inc
FHA 1 0.1% 100% $195,000
Oceanside Mortgage Company
FHA 1 0.1% 100% $175,000
American Financing Corporation
FHA 1 0.1% 100% $165,000
ClearPath Lending
VA 1 0.1% 100% $175,000
First Colony Mortgage Corporat
FHA 1 0.1% 100% $165,000
Weichert Financial Services
Conventional 1 0.1% 100% $205,000
Service Federal Credit Union
VA 1 0.1% 100% $315,000
Churchill Mortgage Corporation
Conventional 1 0.1% 100% $235,000
Planet Home Lending, LLC
VA 1 0.1% 100% $215,000
A+5.0 ★Texas Ratio: 2.53%
Conventional 1 0.1% 100% $615,000 View
A+5.0 ★Texas Ratio: 3.83%
Conventional 1 0.1% 100% $215,000 View
American Pacific Mortgage Corporation
VA 1 0.1% 100% $595,000
A5.0 ★Texas Ratio: 6.31%
Conventional 1 0.1% 100% $265,000
A+5.0 ★Texas Ratio: 2.20%
VA 1 0.1% 100% $235,000 View
Better Mortgage Corporation
FHA 1 0.1% 25% $155,000
Pike Creek Mortgage Services, Inc.
Conventional 1 0.1% 100% $355,000
A-5.0 ★Texas Ratio: 14.93%
Conventional 1 0.1% 100% $225,000 View
Mortgage Solutions of Colorado
VA 1 0.1% 100% $295,000
Thrivent Federal Credit Union
Conventional 1 0.1% 100% $85,000
Prosperity Home Mortgage, LLC
VA 1 0.1% 100% $175,000
Victory Mortgage, LLC
Conventional 1 0.1% 100% $455,000
★ 5 stars, 1 review
A+5.0 ★Texas Ratio: 1.21%
Conventional 1 0.1% 100% $385,000 View
Reliance First Capital, LLC
Conventional 1 0.1% 100% $265,000
Plaza Home Mortgage, Inc
Conventional 1 0.1% 33.3% $185,000
Top Flite Financial, Inc.
FHA 1 0.1% 100% $125,000
American Neighborhood Mortgage Acceptance Company
Conventional 1 0.1% 100% $405,000
Figure Lending LLC
HELOC 0
+6 HELOCs
0% n/a
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+6 HELOCs
0% n/a View
Valon Mortgage
HELOC 0
+1 HELOCs
0% n/a
Cmg Mortgage Inc
HELOC 0
+1 HELOCs
0% n/a
Pentagon Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
Lendage, LLC dba Achieve Loans
HELOC 0
+1 HELOCs
0% n/a
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Troy, Ohio

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, OH

Use these to narrow the list above. Each category shows how many Troy, OH lenders fit and what that kind of lender is usually best for.

Who Lends in Troy, OH

Independent mortgage companies closed 48.6 percent of home loans in Troy, Ohio in 2025, banks 36.2 percent and credit unions 15.2 percent. CrossCountry Mortgage, LLC was the largest mortgage company, US Bank, N.A. the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, US Bank, N.A. led with 27 loans.

48.6%
Mortgage companies
36.2%
Banks
15.2%
Credit unions
16%
FHA loans
12%
VA 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 Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.

More Ohio Mortgage Lender Pages

Frequently Asked Questions About Mortgage Lenders in Troy, OH

Who is the largest mortgage lender in Troy, OH?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Troy, Ohio with 27 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Troy, OH have the highest approval rates?

Among lenders with meaningful volume in Troy, Ohio, Union Savings Bank approved the highest share of completed applications in 2025 at 97.4 percent, against a 86.4 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.

Which Troy, OH mortgage lenders offer FHA, VA and USDA loans?

46 lenders closed FHA loans in Troy, Ohio in 2025, led by loanDepot.com LLC with 11. 38 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Troy, OH lender list?

Yes. 40 banks and 18 credit unions closed home loans in Troy, Ohio in 2025, alongside 73 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.

How are mortgage lenders in Troy, OH ranked on this page?

Lenders are ranked only by the number of home loans they closed in Troy, Ohio 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, Ohio 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.