Town & Country Bank And Trust Company Mortgage Rates, Fees & Info
BARDSTOWN, KYLEI: 549300YFEWUJMPG9CN91
Tax ID: 61-0188980
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Town & Country Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Town & Country Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Bardstown, Louisville, Lexington, Danville, and Frankfort among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Town & Country Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
162Origination Dollar Volume (All Markets)
$24,670,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Bardstown, KY (FHA|USDA|VA) | 120 | $16,770,000 | $139,750 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 12 | $1,950,000 | $162,500 | $0 | 0.00% |
| Danville, KY (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $775,000 | $86,111 | $0 | 0.00% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 0.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 162 | $24,670,000 | $152,284 | $0 | 0.00% |
For 2018, Town & Country Bank And Trust Company's most frequently originated type of loan was Conventional, with 162 originations.
Loan Reason
For 2018, Town & Country Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Refi, with 60 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 162 | $24,670,000 | $152,284 | $0 | 0.00% |
For 2018, Town & Country Bank And Trust Company's most frequently cited loan duration was Other, with 162 originations.
Loan Sizing
2018 saw Town & Country Bank And Trust Company place emphasis on $100,000 or less loans with 68 originations, totaling $3,780,000 in origination value.
Applicant Income
Town & Country Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 38 originations. The second most popular income band? $100k-150k, with 30 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 162 | $24,670,000 | $152,284 | $0 | 0.00% |
Town & Country Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 162 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.48%
Town & Country Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination69.75%
Town & Country Bank And Trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 162 | $24,670,000 | $152,284 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TEAM USA MORTGAGE L.L.C. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| TEAM USA MORTGAGE L.L.C. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |