Town & Country Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
56th8.5% deniedProcesswithdrawn + incomplete share, weight 15%
82nd4.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 347 | 299 | 7.5% | 7.6% | — | $48M |
| 2024 | 344 | 291 | 7.3% | 7.5% | — | $55M |
| 2025 | 296 | 240 | 8.1% | 8.5% | — | $47M |
What Town & Country Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 100 investment properties.
Who gets approved at Town & Country Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 51 | 35 | 16.7% |
| $50k – $100k | 79 | 62 | 13.0% |
| $100k – $150k | 44 | 37 | 7.0% |
| $150k – $250k | 37 | 29 | 6.3% |
| Over $250k | 24 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 17 | 0.0% |
| 25–34 | 37 | 28 | 5.6% |
| 35–44 | 53 | 44 | 11.8% |
| 45–54 | 43 | 38 | 4.9% |
| 55–64 | 38 | 30 | 11.4% |
| 65–74 | 39 | 26 | 21.6% |
Where Town & Country Bank lends
1 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 296 | 240 | 8.1% | — | #135 |
Frequently asked questions
Town & Country Bank denied 8.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 56th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 31% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 97% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.