Lending

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Personal Loans

We get it. Sometimes you need a small amount of cash to help you on your way to reaching a financial goal. Maybe it’s to purchase a car, boat, or RV. Maybe you're hoping to consolidate debt. Perhaps you've got medical expenses to pay off or want to finance the vacation of a lifetime. A personal loan from us can help…and at rates much lower than you'd expect!

Apply for a Personal Loan Questions and Answers

Credit Cards

The ONLY local Credit Card

We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs.

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Auto Loans

Sometimes finding the best rate for a new or used car can feel like driving without a map—or like encountering a series of red lights, potholes, and detours you didn’t expect. We want to help you steer through the process without all the hassles.
With a variety of affordable rates and convenient payment options, we’ll get you behind the driver’s seat as soon as possible. We’ve been the leading car loan lender in the area for years, and are ready to help you—with rates much lower than you’d expect.

Apply for a Mortgage

We offer easy, fast home loans, combining the convenience of online application with the speed and service of our Bank.

What can you expect from Home Loans?

Easy application: Applying for a loan is simple - tap a screen and go.
Fast closings: The national average for closing a mortgage loan is 42 days. In most cases, eligible loans close in two weeks or less.
Local people: We live here. Our loan officers will answer your questions anytime the bank is open. You can ask for them by name. They’ll know you and your neighborhood.
First-time buyers: Home ownership is part of financial independence and a big part of our community health. Our first-time buyer programs help you reach this milestone.
Family ownership: Our decision-making isn’t driven by Wall Street or investors. Instead, it’s driven by honesty, customer service, and keeping our community strong.

You’ve served us. Let us serve you.

U.S. Armed Forces veterans have sacrificed for us in so many ways. We want to say, “Thanks.”

Going forward, we will waive our mortgage underwriting fee for all veterans. This applies to any Home Purchase, Home Refinance and/or Home Equity Loan. That underwriting fee is the one aspect of closing costs over which we have full control—so we are getting rid of it altogether. It’s a substantial savings.

No amount of money will repay our debt to you, of course, but this is a small way to recognized your sacrifice and service. Thank you, veterans.

To learn more, schedule a personal consultation with one of our expert Loan Officers today at one of our locations (806) 712-7547.

Home Equity

Apply for a Home Equity Loan

Lending Policy

It is the objective of our bank to make loans for productive purposes which are consistent with sound credit principles and which are in the best interests of the bank, its stockholders, its customers, and the community. It is the intention of the bank that its lending power will be used to promote growth in its demand deposit base, thereby increasing the bank's ability to produce future earnings growth, as well as promote the economic growth of its community and trade area. The bank's lending resources will be allocated in a manner consistent with prevailing or anticipated economic and money market conditions in accordance with sound bank asset management practices. In addition, the bank recognizes that they have a continuing and affirmative obligation to help meet the credit needs of its trade area, and will not discriminate against any applicant on a prohibited basis with respect to any aspect of the credit transaction.

The bank's trade area will be considered to be:

Primary Trade Area — Potter, Randall, Hutchinson, Lubbock, Carson, Brazos , Tarrant, Travis Counties, SMSA.
Secondary Trade Area — General trade territory, roughly defined as the State of Texas.
Tertiary Trade Area — Those areas of our "downstream" correspondent banks where over line requests are generated.

Important Information About Procedures for Opening a New Account

Lubbock National Bank and Commerce National Bank complies with section 326 of the USA PATRIOT Act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account such as name, address, date of birth and taxpayer identification. We may ask to see your driver’s license or other identifying documents.