Download one of the mods that changes settlement culture after you own the settlement for a while and enjoy. The -3 loyalty penalty makes sense for a year or maybe even a few years after conquering a place, but making it an indefinite penalty doesn't make sense and just isn't tenable. The Trade skill, bartering, and exchanging settlements. The goal, other than amassing gold in Mount & Blade II: Bannerlord, is to increase your Trade skill.It’s even got perks that can boost
1 Ortysia – Western Empire. With the highest starting prosperity of all settlements in the game at 5600, Ortysia is one of the busiest trading towns in all of Calradia. It gets a lot of caravan
Mount & Blade Bannerlord / TaleWorlds Entertainment. This guide takes a look at how to complete the quest called ‘Investigate Heretzes’s Folly’ in Mount and Blade 2: Bannerlord. You will need to talk to a lot of different Faction Leaders or Nobles in this quest from all around the map. Joined a faction. Talked to Lord Lucon, faction leader, who gave me a quest to go and capture a specific Lord who he hated. Captured him. Quest updated to say "Well done. Now take him to a settlement of mine and you will be met at the gates with the reward (5k)" Nope. No-one there. Thing is, the faction I joined has only got 1 Major City and 2 villages left. Everything else is gone.

Also, put about 30K into the castle, that'll help get things building which will have a positive impact. A steward of the same faction would also help with the loyalty building. And when you go to war, make sure to protect your villages (you can not later on as you'll other issues) because happy villages make happy castles and towns as they don

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mount and blade 2 how to get a settlement