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Lending

Business Lending

We may all need to borrow money for our business from time to time. In today's market, it is vital to find a lender who can give you the greatest number of options. Here at First National Bank, we can give you the credit options you deserve.

First National Bank offers a variety of consumer lending services including:

  • Working Capital Loans
  • Term Loans for Immediate Needs
  • Agriculture Loans
  • Equipment Loans
  • Real Estate Loans
  • Letters of Credit
  • SBA Loans (Small Business Administration)
  • Open Ended Lines of Credit Loans

Talk to a First National Bank loan officer about financing your next commercial venture. We are very interested in helping businesses at the Lake of the Ozarks succeed.

Consumer Lending

We may all need to borrow money from time to time. In today's market, it is vital to find a lender who can give you the greatest number of options. Here at First National Bank, we can give you the credit options you deserve.

First National Bank offers a variety of consumer lending services including:

  • Auto
  • Boat
  • Home Equity
  • Personal
  • Home Improvement
  • Agriculture
  • Overdraft Protection Loans
  • Credit Life and Accident & Health Insurance on Loans

See your nearest First National Bank branch for a competitive loan for your next consumer loan.

Real Estate Lending


We may all need to borrow money from time to time. In today's market, it is vital to find a lender who can give you the greatest number of options. Here at First National Bank, we can give you the credit options you deserve.

First National Bank offers both Adjustable Rate Mortgages (ARMs) and Fixed Rate Mortgages.

ARMs are perfect for the homeowner who only plans to stay in a home for a few years. ARMs typically start out with a lower rate than fixed rate mortgages do. ARMs are tied to an index that moves with the market, so your rate could be adjusted up or down, but ARMs often include caps that limit increases at each adjustment period over the term of the mortgage.

Home Equity Loans and Lines of Credit - First National Bank offers access to a variety of loan options based on the equity you have in your home.

Fixed rate mortgages ( Mortgage Financing) provide predictable monthly payments. You are protected from rising interest rates, but in order to take advantage of falling interest rates, you would need to refinance your mortgage. When it's time to purchase your first house, move to a new home, build your dream home, or refinance your mortgage, our Mortgage specialists can help!

First National Bank offers a variety of consumer lending services including:

  • Local processing and personal service from application to closing with servicing retained in-house
  • Pre-qualification at no cost
  • Variety of term options
  • Competitive fixed and adjustable rates

Ask us for information about:

  • Construction Loans
  • First-time home buyer programs
  • Low down payments on conventional mortgages and government loans
  • Home Equity Loans
  • Fixed Loans
  • Adjustable Rate Mortgages
  • Balloon Loans
  • ACH and Automatically withdrawn payments
  • Credit Life and Accidental & Health Insurance on Loans

Call one of our convenient locations for an appointment.

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First National Bank

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