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Home Equity Loans

Perhaps you are one of the many homeowners who refinanced their residences in recent years to take advantage of declining interest rates. Now you can preserve that low interest rate and still make the most of your growing equity to finance home improvements, travel or whatever your financial needs are.

How it Works
With a Home Equity Line of Credit through LANB your house will serve as collateral for a pre-determined credit limit. Use this money as you see fit. Fix up the basement, landscape the yard, or use it for an emergency.  Your available line of credit is based on a simple equation involving the appraised value of your home and the amount remaining on your mortgage.  The draw period is 15 years with minimum monthly payments. Credit cannot be extended at the end of 15 years and the outstanding balance must be paid off or refinanced into a new equity line or a term loan.

Ready to Apply?
» Apply for a Home Equity loan now

* Most home equity lines have a 5% floor and 18% ceiling. Please contact our loan department for updated rates. LANB reserves the right to change its rates.

APR for
Purchases

Grace
Period

Method of
Computing Balance

Annual 
Fee

 WSJ*
  prime

None 

Average Daily
Balance

$25.00
(First Year Waived)

Electronic Billing Statement

Minimum Advance 

Under Minimum Advance Fee

Stop Payment Fee

Available through Online Banking

$250.00

$30.00

$30.00


The Equity Account is a loan with a minimum credit line of $10,000, secured by your primary residence. Funds are available up to your approved credit limit, ready to use whenever you wish for any reason you choose. 

Charges are due and payable upon receipt of the periodic statement and must be paid no later than 15 days after receipt of statement

** LANB NMLS #: 546116

Interest Rates

New Car Loan Rate
4.500% IR : 5.120% APR

Used Car Loan Rates
4.500% IR : 5.120% APR

Home Equity LOC
5.000% IR : 5.000% APR

View Rates