Top 3 Mortgage Lenders in Troy

First Community Credit Union stands out as one of the most highly-rated mortgage lenders serving the Troy area with deep community roots and exceptional member service. As a not-for-profit financial cooperative, they offer competitive rates and personalized mortgage solutions. Their mortgage team provides comprehensive guidance through the entire home buying process, with particular expertise in first-time homebuyer programs and local market knowledge. With multiple branches throughout the Metro East area and strong digital capabilities, they combine convenience with the personal touch of a community-focused institution.

USA Mortgage has established itself as a premier mortgage lender in the St. Louis Metro East region with an outstanding reputation for customer service and competitive loan products. Their Illinois team specializes in serving clients throughout Madison County, including Troy, with extensive experience in local market conditions and property types. They excel at navigating complex loan scenarios and offer a wide range of mortgage options with streamlined processing. Their high volume of positive reviews highlights their commitment to communication, transparency, and closing loans on time.

First Mid Bank & Trust brings generations of banking experience to the Troy mortgage market with a strong local presence and community commitment. As one of Illinois' most established financial institutions, they offer the stability of a long-standing bank with the personalized service of a local lender. Their mortgage team provides comprehensive home financing solutions with particular strength in construction lending and agricultural property financing relevant to the Troy area. With deep roots in South Central Illinois, they understand the unique aspects of the local real estate market and maintain strong relationships with area real estate professionals.