# Troy Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/troy-bank-and-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Troy Bank and Trust Company is a bank, headquartered in Troy, AL, serving borrowers across 4 states, with 74 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300N968Y85YXDX139
- **Headquarters:** Troy, AL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, GA, MS
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.575%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,680
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 74
- **Dollar Volume:** $29 million
- **Applications Received:** 79
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $390,135
- **Average Borrower Income:** $411,149

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 67 | +0.594% | $1,356 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 51 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 58 | $25M | +0.479% | Sound ☺️ |
| Refinance | 27/100 | 16 | $4M | +0.969% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 67 | 0.11% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 33 | 46/100 |
| Dothan, AL | AL | 28 | 74/100 |

## Frequently Asked Questions

### What loan types does Troy Bank and Trust Company offer?

Troy Bank and Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Troy Bank and Trust Company offer mortgages?

Troy Bank and Trust Company offers mortgages in 4 states: AL, FL, GA, MS.

### How competitive are Troy Bank and Trust Company's mortgage rates?

Troy Bank and Trust Company has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.575% above market average.

### What type of lender is Troy Bank and Trust Company?

Troy Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Troy, AL.

### What is Troy Bank and Trust Company's loan approval success rate?

Troy Bank and Trust Company has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/troy-bank-and-trust

### How to Cite

> "Troy Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/troy-bank-and-trust

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