Program workspace

“Interest-Only Payments: Manage cash flow with low payments during construction.”

“Interim Construction Loans”

“NOT A DEPOSIT – NOT FDIC INSURED – NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY THE BANK – MAY LOSE VALUE Insurance products offered through Lone Star Insurance Services. Lone Star Insurance Services and LPL Financial are separate entities. Personal Banking Checking Savings CDs Consumer Loans Auto Loans Personal Signature Loans Investment Property Loans Interim Construction Loans Lot Loans Digital Banking Zelle ® LSNB Card Manager™ ATM Services Bill Pay Tap to Pay Business Banking Checking Savings Business CDs Business Loans Commercial Construction Loans Commercial Term Loans Commercial and Industrial Loans Small Business Lending Services LSNB Credit Cards Connect LSNB Mobile TM for iOS LSNB Mobile TM for Android Wealth Personal Insurance Business Insurance Foreclosure Listings Routing Number: 114911687 SWIFT/BIC: LSNBUS42 NMLS ID #410044 Disclosures and notices Lone Star National Bank’s Privacy Disclosure Gambling Act E-consent disclosure Depository Agreement Night Deposit Agreement Bill Payment Service Agreement Equal Opportunity For All Limited English Proficiency Plan FINRA/SIPC Funds Availability Policy Zelle Transaction Disclosure © 2026 Lone Star National Bank. All Rights Reserved Lone Star National Bank Member FDIC Equal Housing Lender Privacy Policy Accessibility Cookie & Online Privacy Policy Need internet banking access? New To LSNB? Click Here! Routing Number: 114911687”

“Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA / SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Lone Star National Bank and LSNB Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.”

“Predictable Funding: Count on consistent access to funds throughout construction.”

“Smooth Transition to Permanency: Seamless move to permanent financing upon project completion.”

“Commercial Real Estate Business Loans Agriculture Loans Line of Credit SBA Loans Commercial Real Estate Business Loans Agriculture Loans Line of Credit SBA Loans”

“Construction loans”

“Business Accounts Business Checking Business Savings Business Certificates of Deposit (CDs) Business Premier Money Market Business Debit Card Digital Banking for Business Commercial Lending Construction Loans Small Business Loans Investment Real Estate Loans Business Term Loans & Lines of Credit Commercial Lending Team Business Credit Cards Business Banking Services Cash Management Merchant & Payroll Services Business Financial Planning Employee Benefits & Financial Planning About”

“Commercial Lending Construction Loans”

“Our experienced Lowell Five Bank Commercial Lenders are here to advise you on the best options, rates, and loan structure for your construction needs. We'll take the time to get to know your project and advise you through the process, gathering the materials needed for the quickest decision on your loan application. Please select nearest city or town Billerica Chelmsford Dracut Haverhill Lowell Nashua, NH North Andover North Chelmsford Pepperell Salem, NH Tewksbury Tyngsboro Westford Wilmington”

“Construction”

“Lowell Five Bank was incredible at making the whole commercial loan process smoother and easier. This was the dream, the vision, and they helped make it a reality. Bryan Brazill Founder, HGR Lacrosse”

“All construction is different, but our knowledgeable team members are experts in development and construction. We'll take the time to get to know your project and advise you through the process, gathering the materials needed for the quickest decision on your loan application. We think outside the box to develop a commercial loan package and rate that's right for you. Contact us today learn about the best options, rates, and loan structure for your construction.”

“Personal Accounts Checking Savings Certificates of Deposit (CDs) Money Market IRAs Debit Cards Personal Lending Mortgage Solutions Home Equity & Line of Credit Personal Loans Loan Payment Options Credit Cards Digital Banking Wealth Management Life Insurance Investment & Financial Planning Financial Wellness Retirement & Estate Planning Educational Planning”

“Schedule Appointment Forms Loan Calculator eStatements & eBilling Login Close”

“We have specialized expertise in financing land acquisition and commercial construction/development projects”

“We have specialized expertise in financing land acquisition and commercial construction/development projects We know the market in Massachusetts and Southern NH We make our decisions locally , meaning quick responses, smooth processes, and a fast project starts We stay on top of your progress and milestones , keeping your cash flow fluid and project on track”

“The construction of a home often takes 6 months or longer to complete. Low home construction rates help reduce costs during this phase. However, this is a period of time where the consumer is at risk for interest rate fluctuation until permanent financing is obtained. We can help customers lock in a great long term interest rate with our 12 Month Rate Lock Program right up front during the construction phase. This allows consumers to eliminate the risk of rising interest rates during the construction phase. Not all lenders offer these types of construction programs. However, Luana Savings Bank specializes in this type of lending as we see the great benefit for our customers.”

“Pair a Home Construction Loan with our permanent financing products for a winning combination! Ask us about our 12 month rate lock and competitive rates!”

“Build your dream home with our flexible construction loans and 12 month rate lock program. View Rates Meet our Lenders Build it with a Home Construction Loan!”

“Effective Date: January 21, 2026 Rate APR* 6.25 6.974 *(APR) Annual Percentage Rate. Offer subject to credit approval and may change or be withdrawn without notice.”

“Our experienced loan officers are available to help you navigate the home buying process. Kasey Iverson Luana Branch 563-539-2166 Get Started NMLS #1257744 Blake Winter Luana Branch 563-539-2166 Get Started NMLS #2556025 Jess Schubert Luana Branch 563-539-2166 Get Started NMLS #1768698 Josh Uhlenhake Ossian Branch 563-532-7022 Get Started NMLS #987805 Ben Larson New Hampton Branch 641-394-2116 Get Started NMLS #1625057 Brandon Converse Polk City Branch 515-984-7100 Get Started NMLS #1380837 Scott Bishop Clive Branch 515-987-2116 Get Started NMLS #1021523 Brian Byrnes Clive Branch 515-987-2116 Get Started NMLS #41854 Mic Hayes Clive Branch 515-987-2116 Get Started NMLS #41860 Angie Sprenger Clive Branch 515-987-2116 Get Started NMLS #1893794 Richard Cook Norwalk Branch 515-410-9800 Get Started NMLS #400117”

“Online Banking Financial Calculators Rates Blog Borrow Home Construction Loans Get In Touch Send a Message Visit Us Quick Links Debit Card Issues Secure File Transfer Online Banking Login Enroll in Estatements FDIC Insurance Coverage Get to Know Us Who We Are Careers Routing Number 073914356 For wire instructions, please call 800-666-2012 Local People. Local Decisions. Local Investments. Since 1908. Luana Savings Bank offers personal and business banking services in Central and Northeast Iowa. Our banking solutions include checking accounts , savings accounts , money market accounts , CDs , mortgages , HELOC , commercial loans , agriculture loans and much more. Bank online with our mobile app or visit one of our branch locations in Luana , Ossian , New Hampton , Polk City , Clive , and Norwalk . © 2026 Luana Savings Bank Sitemap Website Accessibility Privacy & Disclosures Fee Schedule Back to top Our website uses cookies and other similar technologies to improve our site and your online experience. By continuing to use our website you consent to cookies being used. Click here to view our Privacy Policy for more information. Accept”

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