Applications / Mortgage Analytics / Lenders / Alabama / Troy Bank & Trust Company
Troy, AL · State non-member bank · FDIC · $1.6 billion assets · 229 loans in 2025
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229
loans originated, 2025
259
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Troy Bank & Trust Company is an Alabama purchase lender with an unusually large share of manufactured-home loans, and its 229 loans in 2025 grew more slowly than similar banks' lending.
Manufactured homes made up 15.7% of its loans, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans), more than at most of them. Purchases were 64.2% of its lending, refinances 24.5%. Its typical loan, $165,000, is close to similar banks' $175,000.
Some 21.8% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.0% at similar banks. Its typical rate was 7.50%, against 6.79%. Manufactured-home loans usually cost more, and with home-improvement and other-purpose loans they could account for most of that gap.
Some 26.2% of its loans went to majority-minority neighborhoods, against 6.4% at similar banks, more than at about five in six of them. The share has risen from 11.2% in 2020 and 20.9% a year earlier.
Its share of the Dothan market fell from 3.3% to 1.8%, leaving it 14th of 222 lenders. Its loans rose 2% while similar banks grew 9% and the market 10%. One possible reason is that it is spreading out: it entered Warner Robins in 2022 and Baton Rouge in 2025. In non-metro Alabama it ranks 42 of 523.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Troy Bank & Trust Company took 259 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.2% · Refinance 24.5% · Home improvement 7.4% · Other 3.9%
Conventional 100.0% · of 229 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 203 | 88.6% |
| Florida | 12 | 5.2% |
| Georgia | 11 | 4.8% |
| Louisiana | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 53 |
| Montgomery | 12 |
| Columbus | 7 |
| Warner Robins | 7 |
| Auburn-Opelika | 6 |
| Panama City-Panama City Beach | 5 |
| Birmingham | 4 |
| Anniston-Oxford | 2 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Daphne-Fairhope-Foley | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N968Y85YXDX139 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 134437 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35598 | 2016–2017 |
Established 1 January 1906. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Troy Bank & Trust Company's data.
Troy Bank & Trust Company's data
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Troy Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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