Top 3 Mortgage Lenders in Troy

FirstBank stands as one of West Tennessee's most established and highly-rated mortgage lenders with deep roots in the region. While based in Union City just minutes from Troy, they have served the Obion County area for over a century. Their mortgage team receives exceptional reviews for personalized service, competitive rates, and deep knowledge of rural housing programs including USDA loans that benefit Troy homebuyers. As a community-focused institution with multiple local branches, they offer the advantage of local decision-making combined with comprehensive mortgage products.

Reelfoot Bank has been a cornerstone of Northwest Tennessee's banking community for over a century, maintaining strong presence in Obion County including Troy. Their mortgage division earns consistent praise for competitive rates, transparent processes, and exceptional customer service. Specializing in rural and small-town mortgage lending, they excel with USDA rural development loans and FHA programs that benefit first-time homebuyers in the Troy area. Their local underwriting and decision-making process allows for faster closings and personalized attention throughout the loan process.

Leaders Credit Union serves multiple counties across West Tennessee including Obion County where Troy is located. While headquartered in Jackson, they have strong regional presence and specifically serve the Troy community with competitive mortgage products. They receive outstanding reviews for their first-time homebuyer programs, educational resources, and member-focused approach. As a credit union, they typically offer lower fees and competitive interest rates while providing personalized guidance through the entire mortgage process. Their expertise with VA and USDA loans makes them particularly valuable for military families and rural homebuyers in the Troy area.