Top 3 Mortgage Lenders in Troy

First National Bank of Central Texas maintains a strong physical presence in Troy with their local branch, offering personalized mortgage services with deep community roots. As a community bank founded in 1999, they provide the advantage of local decision-making and relationship-based lending. Customers consistently praise their responsive service, competitive rates, and the ability to work directly with experienced loan officers who understand the Central Texas housing market. Their long-standing presence in Troy makes them a top choice for residents seeking traditional banking services combined with modern mortgage solutions.

Benchmark Mortgage operates a regional office in nearby Temple that actively serves the Troy area with comprehensive mortgage solutions. Founded in 2002, this established lender has built a strong reputation for competitive rates and exceptional customer service throughout Central Texas. Their team includes local mortgage experts who understand the specific needs of rural and suburban communities like Troy. Customers highlight their efficient processing, clear communication throughout the loan process, and expertise with various loan programs including VA and FHA loans popular in the region.

PrimeLending's Waco office serves the greater Central Texas region including Troy, offering a wide range of mortgage products with a focus on personalized service. As a national lender with strong local presence since 2006, they combine the resources of a large institution with the personal attention of local loan officers. They are particularly noted for their first-time homebuyer programs and competitive conventional loan options. Reviews consistently mention their educational approach, helping borrowers understand all available options, and their efficient closing process that minimizes stress for homebuyers in the Troy area.