Applications / Mortgage Analytics / Lenders / Kentucky / Town & Country Bank and Trust Company
Bardstown, KY · State non-member bank · FDIC · $422 million assets · 86 loans in 2025
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86
loans originated, 2025
107
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Town & Country Bank and Trust Company is a typical community bank by size, but more of its borrowers have lower incomes than at most banks like it.
Some 38.8% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than at about four in five of them. Its share in LMI neighborhoods was lower, 11.6% against 18.5%. That may reflect the places it lends, mostly in Kentucky.
It made 86 loans, against 87 in 2024, while similar lenders grew 9% and the whole market 10%. Purchases were 58.1% of its loans and refinances 26.7%. All were conventional; it made no government-backed loans. Its typical loan, $175,000, matched similar lenders'.
In Louisville its share held at 0.2%, ranking 97 of 510. In Elizabethtown it slipped to 0.2% from 0.3%, ranking 66 of 193, behind United Wholesale Mortgage and Abound Federal Credit Union. A few loans either way explain a move that small. It has lent in both since 2004.
In 2025 it reported its first loans in non-metro Florida, non-metro Michigan and Virginia Beach. It filed no report for 2020 to 2023, so its record has a gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Town & Country Bank and Trust Company took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 26.7% · Home improvement 8.1% · Other 7.0%
Conventional 100.0% · of 86 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 |
|---|---|---|
| Kentucky | 82 | 95.3% |
| Florida | 1 | 1.2% |
| Indiana | 1 | 1.2% |
| Michigan | 1 | 1.2% |
| Virginia | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 70 |
| Elizabethtown | 3 |
| Lexington-Fayette | 3 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YFEWUJMPG9CN91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 692946 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 315703 | 2004–2017 |
Established 9 September 1907. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Town & Country Bank and Trust Company's data.
Town & Country Bank and Trust Company's data
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Town & Country Bank and 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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