Skip to Main Content

Town and Country Bank

Main Navigation

  • Careers
  • Contact
  • Search
  • Pay Loan
    • Make a Mortgage Payment
    • Make a Loan Payment
  • Login
    • Online Banking
    • Home Loan
    • Make a Mortgage Payment
    • Trust & Investment Services
    • Make a Loan Payment
    • Credit Card
  • Menu
  • Home
  • Personal Banking
    • Personal Checking Accounts
    • Personal Savings Accounts
    • Loans
      • Auto Loans
      • Personal Loans
      • Home Equity
      • Land & Lot Loans
      • Bridge Loans
    • Make a Loan Payment
    • Personal Debit and Credit Cards
  • Business Banking
    • Business Lending
    • Business Accounts
    • Treasury Management
    • Business Debit and Credit Cards
    • Alternative Financing Options
    • Meet Our Business Bankers
    • Request a Business Financial Review
  • Home Loans
    • Find the Perfect Home Loan
    • Meet our Mortgage Lenders
    • Mortgage Calculators and Rates
    • Mortgage FAQs
    • Community Mortgage Partners
      • About Us
      • Our Services
      • Our Loan Products
      • Contact
  • Trust & Investments
    • Personal Financial Planning Services
    • Business Financial Planning Services
    • Meet our Trust & Investments Team
  • Customer Support
    • Online & Mobile Banking Services
    • Account Resources
      • Overdraft Protection
      • Reorder Checks
      • Financial Calculators
      • Switch to Us
      • Online Forms
      • Online Security
      • FAQs
    • Additional Services
    • Contact the Customer Service Solution Center
  • Sprig The Word Blog
  • Our Team
  • About Us
    • Community Support Request
    • About Our Bank
    • Investor Relations
    • Diversity, Equity, and Inclusion
    • Locations & Hours
    • Careers
      • Careers in Mortgage Lending
      • Commercial Banking Development Program
    • Events Calendar
    • News
      • 2022 Financial Reports
      • 2021 Financial Reports
      • 2020 Financial Reports
    • Connect With Us

  • Personal Banking
  • Loans

Land & Lot Loans

Have a slice of Illinois to call your own. Whether you see yourself in a subdivision or on the open prairie, we can help you purchase a plot of land for your future home. As your local land loan lender, Town and Country Bank and Peoples Prosperity Bank has the land financing you need to secure a spot for your new home.

Finance the location of your new home. Apply for a land loan by contacting us or visiting one of our locations to receive personalized assistance from our local lending team!

What is a Land & Lot Loan?

A bank loan for land is just like a mortgage for a house. We provide the financing you need to secure your building site. It’s a short-term or long-term loan that can eventually be bundled into your monthly mortgage payment once your home construction is complete.

What Qualifies as a Lot?

In order to be considered a lot, the land must be suitable for residential development and often has some of the following features:

  • A building permit
  • Residential zoning
  • Utility connections
  • Clearly marked boundaries and a recent survey
  • Access to public roads

Why Choose Us?

We are consistently recognized as the top housing lender in our markets. That makes us the best bank for land loans, too. Locally owned and operated, we treat our clients like family. When you choose a Land & Lot Loan from Town and Country Bank and Peoples Prosperity Bank, you benefit from: 

  • Competitively low rates for your future construction project
  • Helpful loan advisors with working knowledge of the local real estate market
  • A wide range of terms customized to your unique situation
  • No prepayment penalty
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Let Us Serve You

Town and Country Bank and Peoples Prosperity Bank serve and empower local communities in Central Illinois and Metro East, one person at a time. Request a consultation with our local mortgage team or visit a local office today. Our friendly and attentive staff welcomes you to any of our branch locations in Springfield, Jacksonville, Lincoln, Decatur, Bloomington, Edwardsville, Fairview Heights, and Quincy.

Open an accountOpen account
Find a locationlocations
Request a Personal Financial ReviewFinancial review


  • Facebook Logo
  • Twitter Logo
  • LinkedIn Logo
  • Contact Us
  • Locations & Hours
  • Financial Calculators
  • Careers
  • Financial Privacy Disclosure
  • Electronic Documents (Paperless) Disclosure
  • Other Disclosures
  • Financial Privacy Opt Out Form
  • Community Support Request
  • Routing Number: 071123262
  • NMLS# 411614
    Town and Country Bank
  • NMLS# 423128
    Town and Country Banc Mortgage Services, Inc.
  • Go to FDIC website
  • Go to Equal Housing Lender website
  • Go to AARP BankSafe Trained institution website

Copyright © 2022 Town and Country Bank All Rights Reserved. An Illinois State chartered banking organization. | Please note that Investments are not a deposit, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

Privacy Policy

Town and Country Bank is regulated by the Federal Reserve Bank of Chicago. For accolades or complaints, please contact us by sending a letter to: Customer Relations Office, 3601 Wabash Ave., Springfield, Illinois 62711. If there is no sensitive customer information, such as social security or account numbers, you can send feedback to the following email address: customerrelations@townandcountrybank.com

You Are Now Leaving

You are now leaving the Town and Country Bank/Peoples Prosperity Bank website. You are about to access a third party web site or service that is not owned or controlled by Town and Country Bank/Peoples Prosperity Bank and therefore, may not be FDIC insured.

While we believe these resources are reliable, Town and Country Bank/Peoples Prosperity Bank is not responsible for and will not guarantee the products, services, information, or content provided by this third party.

Continue Cancel ×