Troy Bank and Trust Company
Troy Bank and Trust Company received 259 applications in 2025 and made 229 mortgages, in 39 counties across 8 states. The median rate its borrowers got was 7.500% on a median loan of $165,000. Of 243 decisions, 11 were denials — 4.5%, most often for credit history.
| Legal Entity Identifier | 549300N968Y85YXDX139 |
|---|---|
| Applications received | 259 |
| Mortgages made | 229 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.014 points |
| FDIC-insured bank | Yes: Troy Bank & Trust Company, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 147 | 7.500% | $185,000 | 2.0% |
| Refinancing | 56 | 7.563% | $185,000 | 11.1% |
| Other purposes | 26 | 7.750% | $85,000 | 3.5% |
Where Troy Bank and Trust Company lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pike County, AL | 62 | 7.750% | 4.6% |
| Houston County, AL | 42 | 7.375% | 2.3% |
| Coffee County, AL | 23 | 7.750% | 14.8% |
| Dale County, AL | 17 | 7.500% | 0.0% |
| Montgomery County, AL | 10 | 7.500% | 9.1% |
| Covington County, AL | 7 | Under 10 loans | 0.0% |
| Houston County, GA | 7 | Under 10 loans | 0.0% |
| Geneva County, AL | 6 | Under 10 loans | 0.0% |
| Lee County, AL | 6 | Under 10 loans | 0.0% |
| Crenshaw County, AL | 5 | Under 10 loans | 14.3% |
| Henry County, AL | 5 | Under 10 loans | 0.0% |
| Bay County, FL | 5 | Under 10 loans | 0.0% |
| Barbour County, AL | 3 | Under 10 loans | 0.0% |
| Jefferson County, AL | 3 | Under 10 loans | 0.0% |
| Russell County, AL | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Calhoun County, AL | 2 | Under 10 loans | 0.0% |
| Elmore County, AL | 2 | Under 10 loans | 0.0% |
| Winston County, AL | 2 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 2 | Under 10 loans | 0.0% |
| Harris County, GA | 2 | Under 10 loans | 0.0% |
| Muscogee County, GA | 2 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 0.0% |
| Bullock County, AL | 1 | Under 10 loans | 0.0% |
| Butler County, AL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Gulf County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Holmes County, FL | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Autauga County, AL | 0 | Under 10 loans | Not published |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Clayton County, GA | 0 | Under 10 loans | Not published |
| Lafayette Parish, LA | 0 | Under 10 loans | 0.0% |
| Montgomery County, TN | 0 | Under 10 loans | Not published |
| Parker County, TX | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.