Mortgage Lenders and Brokers in Troy, Texas
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, Texas mortgage lenders include Spark Mortgage, LLCSpark Mortgage, LLC3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%, First National Bank TexasFirst National Bank Texas2701 E Main St, Alice, TX 78332A4.7 ★Texas Ratio: 3.20%, Classic Bank, National AssociationClassic Bank, National Association493 Highway 71 W, Bastrop, TX 78602A5.0 ★Texas Ratio: 9.09%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, First National Bank of McgregorFirst National Bank of Mcgregor401 S Main St, Mc Gregor, TX 76657C3.8 ★Texas Ratio: 29.33%, Texell Credit UnionTexell Credit Union416 Lake Rd, Belton, TX 76513A+5.0 ★Texas Ratio: 3.98%, Extraco Banks, NAExtraco Banks, NA2000 N Main St, Belton, TX 76513A+5.0 ★Texas Ratio: 0.26%, Central National BankCentral National Bank835 W 6th St, Austin, TX 78703A+5.0 ★Texas Ratio: 1.00%, Alliance Bank Central TexasAlliance Bank Central Texas302 Main Street, Donie, TX 75838A5.0 ★Texas Ratio: 10.82%, and First National Bank of Central TexasFirst National Bank of Central Texas1645 Greens Prairie Rd W, College Station, TX 77845A+5.0 ★Texas Ratio: 0.97%. 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, Texas 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 Texas, 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, Texas
Market share is the lender's share of all home loans closed in Troy, Texas. 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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3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, VA, USDA | 12 | 5.8% | 100% | $190,833 | View |
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2701 E Main St, Alice, TX 78332 A4.7 ★Texas Ratio: 3.20% |
Conventional, FHA | 6 | 2.9% | 100% | $235,000 | View |
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493 Highway 71 W, Bastrop, TX 78602 A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 1.5% | 100% | $275,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 100% | $130,000 | View |
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401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33% |
Conventional | 2 | 1% | 100% | $145,000 | View |
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416 Lake Rd, Belton, TX 76513 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 2 | 1% | 20% | $155,000 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 2 | 1% | 66.7% | $355,000 | View |
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835 W 6th St, Austin, TX 78703 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 2 | 1% | 100% | $315,000 | View |
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302 Main Street, Donie, TX 75838 A5.0 ★Texas Ratio: 10.82% |
Conventional | 2 | 1% | 66.7% | $220,000 | View |
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1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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212 Virginia Ave, Marlin, TX 76661 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $425,000 | View |
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2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02% |
FHA | 1 | 0.5% | 100% | $285,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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118 Highway 21 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 2.19% |
Conventional, Jumbo | 1 | 0.5% | 100% | $895,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kangaroo Home Lending, LLC
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Conventional, FHA, VA | 16 | 7.8% | 100% | $248,125 | |
First Continental Mortgage, Ltd.
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FHA, VA | 5 | 2.4% | 100% | $193,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 3 | 1.5% | 100% | $295,000 | |
SWBC Mortgage Corporation
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FHA, VA | 2 | 1% | 66.7% | $290,000 | |
Network Funding, L.P.
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FHA | 2 | 1% | 100% | $265,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1% | 100% | $400,000 | |
Primelending
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FHA | 1 | 0.5% | 100% | $225,000 | |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 0.5% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 25 | 12.1% | 83.3% | $231,400 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, Jumbo, HELOC | 14 +1 HELOCs |
6.8% | 93.8% | $341,428 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 14 | 6.8% | 77.8% | $246,428 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA, USDA | 8 | 3.9% | 100% | $250,000 | View |
Pennymac Loan Services LLC
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Conventional, VA, USDA | 7 | 3.4% | 77.8% | $366,428 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 2.9% | 66.7% | $365,000 | |
Mortgage Research Center
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VA | 6 | 2.9% | 85.7% | $346,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 1.9% | 100% | $307,500 | |
Newrez LLC
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Conventional, VA | 4 | 1.9% | 50% | $212,500 | |
Freedom Mortgage Corporation
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VA | 3 | 1.5% | 100% | $368,333 | |
CrossCountry Mortgage, LLC
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VA | 3 | 1.5% | 100% | $511,666 | |
Cmg Mortgage Inc
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VA | 3 | 1.5% | 100% | $295,000 | |
Goodleap, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1% | 66.7% | $145,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 2 | 1% | 100% | $230,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 1% | 62.5% | $135,000 | View |
Churchill Mortgage Corporation
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FHA, VA | 2 | 1% | 66.7% | $230,000 | |
21St Mortgage
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Conventional | 2 | 1% | 40% | $170,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA | 2 | 1% | 60% | $325,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1% | 100% | $360,000 | |
Cadence Bank
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $225,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $295,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 13.85% |
FHA | 1 | 0.5% | 100% | $205,000 | View |
PFN Lending Group, Inc.
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Conventional | 1 | 0.5% | 100% | $695,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.5% | 100% | $255,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.5% | 100% | $755,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $345,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.5% | 100% | $455,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $465,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.5% | 100% | $175,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 20% | $625,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.5% | 100% | $265,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Troy Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Troy, Texas
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, TX
Use these to narrow the list above. Each category shows how many Troy, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, TX
Independent mortgage companies closed 82 percent of home loans in Troy, Texas in 2025, banks 15.5 percent and credit unions 2.4 percent. Spark Mortgage, LLC was the largest mortgage company, First National Bank Texas the largest bank and Texell Credit Union the largest credit union. Among lenders headquartered in Texas, Spark Mortgage, LLC led with 12 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 Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Troy, TX
By home loans closed in 2025, Spark Mortgage, LLC was the largest mortgage lender in Troy, Texas with 12 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Troy, Texas in 2025, led by Lennar Mortgage, LLC with 16. 27 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. 21 banks and 5 credit unions closed home loans in Troy, Texas in 2025, alongside 42 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, Texas 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, Texas 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.
