Applications / Mortgage Analytics / Lenders / Missouri / Town & Country Bank
Salem, MO · State member bank · FRS · $722 million assets · 240 loans in 2025
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240
loans originated, 2025
296
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Town & Country Bank's home loans fell 18% in 2025, lower growth than more than nine in ten similar lenders, yet it still lends in lower-income and majority-minority areas more than most of them.
Similar lenders (state member banks making between half and twice as many loans) rose 7%. Town & Country made 240 loans, down from 291 a year earlier and 563 five years before. Fewer applications in its rural Missouri counties or a choice to lend less could explain the drop.
Its typical loan was $145,000, against $185,000 for similar lenders. It lends in 5 counties of one state, and its only metro is St. Louis, IL-MO, where it ranks 189 of 637 with a 0.1% share. Small loans may reflect lower-priced rural housing; manufactured homes, 6.7% of its loans against 2.1% for similar lenders, may add to that.
Of its loans, 21.6% were in low- and moderate-income (LMI) tracts, against 15.7% for similar lenders, higher than about three-quarters of them. In majority-minority tracts the share was 21.1%, against 4.5%, higher than more than four in five, and up from 10.1% five years before. Its share to LMI borrowers fell to 29.4% from 45.5%, now near the middle; a smaller, shifting borrower mix could explain that.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Town & Country Bank took 296 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 30.0% · Other 7.1% · Home improvement 5.8%
Conventional 98.3% · USDA (RHS or FSA) 1.7% · of 240 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 |
|---|---|---|
| Missouri | 38 | 15.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 38 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YOL8EJ9NBHIE43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 487357 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2487357 | 2011–2017 |
Established 1 January 1894. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Town & Country Bank's data.
Town & Country Bank's data
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Town & Country Bank 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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