Top 3 Mortgage Lenders in Troy

Horizon Credit Union stands out as one of the highest-rated mortgage lenders serving the Troy area, with exceptional customer satisfaction ratings and deep community roots. As a member-owned financial institution, they offer highly competitive rates and personalized service. Their Moscow branch location provides convenient access for Troy residents, and they specialize in rural housing loans including USDA programs that are particularly beneficial for Troy's market. With over 70 years of operation and hundreds of positive reviews highlighting their responsive service and competitive rates, they consistently rank among the top mortgage options in North Idaho.

FirstBank has established a strong presence in the Palouse region with their Moscow location conveniently serving Troy residents. They receive consistently high marks for their competitive mortgage rates, transparent process, and knowledgeable loan officers who understand the unique aspects of rural Idaho real estate. With nearly 60 years of banking experience, they offer a comprehensive range of mortgage products and are particularly noted for their construction and renovation loan expertise. Customer reviews frequently praise their efficient processing and local decision-making capabilities, making them a top choice for Troy area homebuyers.

iQ Credit Union serves the broader Lewis-Clark Valley area including Troy, Idaho, with their Clarkston location just a short drive away. They maintain excellent customer satisfaction ratings and offer particularly strong first-time homebuyer programs with educational resources and down payment assistance options. With over 80 years of operation, they bring substantial experience to the mortgage process and are known for their competitive rates and flexible underwriting. Reviews consistently highlight their patient, educational approach to mortgage lending and their ability to navigate complex rural property financing, making them an excellent choice for Troy residents.