Lubbock National Bank (LNB) is the largest family-owned bank in the nation, with more than 130 years in operation. LNB offers Conventional, FHA, VA and USDA financing and private banking products such as interim construction loans, lot and land loans and a variety of home equity products, including home equity lines of credit and home improvement loans. Kacy Putman, LNB’s mortgage department manager, is 12 years strong in the mortgage industry and still carries the passion she had on Day 1. 

 

Kacy started in the industry as a receptionist for the mortgage department of a local credit union. Very quickly, she became interested in the mortgage and homebuying process. She was a voracious learner, always asking her coworkers questions and ordering study material for the mortgage licensing exam. She later worked as a loan officer before landing a role at LNB in 2019. In 2021, she was promoted to manage the mortgage department and has continued originating loans. 

 

LNB services its conventional mortgage loans. Instead of selling mortgages to investors, LNB keeps them. “Our customers love that they can make their payments to LNB and can come speak with us when they have questions about their loan or escrow account,” Kacy says. “We have created many innovative in-house loan products that help borrowers who don’t quite ‘fit the box’ for a traditional mortgage loan. One program has no minimum credit score requirement, and another allows for zero down payment, which has allowed us to help many people get into a home when they otherwise couldn’t qualify.” 

 

LNB also gets its loans fully approved upfront, meaning applications go through underwriting and get full income and credit approval at the beginning of the process. For offers, an approval letter is stronger than a pre-qualification letter. “We stand behind our approval letters,” Kacy shares. “Once you get an approval letter from us, we make sure that the loan closes.” 

 

Kacy has been married to her husband, Josh, since 2017. Josh is the owner of Flatland Realty and the sales manager for Worx Payroll. They share two children, Knox (6) and Hensley (2). The Putmans love to travel, play games, have living-room dance parties and spend time at the lake in the summer. Kacy and Josh are avid sports fans; when possible, they attend big sporting events like the World Series, golf tournaments, and the March Madness Final Four. 

 

For Kacy, success means being the best she can be each day as a mom, a professional and a friend. She highly regards the relationships in her life and wants REALTORS® to know that she is here to help. “I am super honored to get to lead a team of such wonderful, hard-working people,” Kacy emphasizes. “I want REALTORS® to know that my team and I are here to help educate them and help them grow their business in any way that we can.”

Kacy Putnam

Lubbock National Bank

806-939-5822