Lubbock National Bank (LNB) isn't just the largest family-owned bank in the country—it's a legacy of more than 130 years. With roots in the Texas Panhandle, LNB has begun expanding its presence across West and South Texas.

LNB represents Texas banking history. It's a one-stop shop for all mortgage needs. Known for blending tradition with innovation, LNB offers a full suite of financing options, including Conventional, FHA, VA, and USDA loans. For those looking to build or invest, LNB also provides tailored private banking products like interim construction loans, land and lot financing, and flexible home equity solutions—from lines of credit to home improvement loans.

One of the team's top producers is Stephanie Ratty, a loan officer with 10 years of mortgage experience and a drive that hasn't faded since Day 1. Her passion and LNB's trusted reputation make the home financing process feel less like a transaction and more like a partnership.

When Stephanie stepped into mortgage lending, she knew she had found her calling. She was born in Pampa, TX, and raised in Dimmitt until she was a teenager, finishing school in Plainview. She grew up in a fire station, so when she began her career as a mortgage loan officer, she quickly discovered that the fast-paced, people-focused nature of the job was right up her alley. With a natural ability to connect with clients and a sharp eye for detail, Stephanie thrives in an environment where every day brings a new opportunity to make a difference. "The best thing about being a mortgage lender is helping people achieve their goals and dreams," she says. Her passion for guiding others through one of their most significant decisions has made her successful and fulfilled in her work.

Why bank with LNB? Because it's not like the rest. If you think all banks are the same, think again. What sets LNB apart is its genuine commitment to staying local and personal. "When we say we're LOCAL, we mean it," says Stephanie. "We're not too big for any customer." At LNB, the team makes decisions quickly, keeps fees low, and prioritizes customers over profits. This personal, community-driven approach makes LNB a loyal partner.

LNB offers a variety of loan products. If clients don't qualify for a traditional mortgage, LNB has in-house loan options that have helped many people achieve their dream of homeownership.

Banking should be easy, convenient, and tailored to each person, so LNB continually invests in the latest technology to meet and exceed customer expectations. "The innovation goes far beyond smartphone apps," Stephanie explains. "From launching new products to exploring better ways to serve communities, we're always looking ahead. At LNB, settling for the status quo isn't in our DNA."

When she's not helping clients navigate the mortgage process, Stephanie treasures quality time with her family, including her two beautiful daughters. Whether in the kitchen cooking something special or fishing at the lake, she cherishes every moment. Her oldest daughter is wrapping up her final semester at Texas Tech, while her youngest is making her mark as a freshman at Liberty High School—already earning a spot on the varsity softball team.

Stephanie hopes people remember her as someone who always gave her best. Life is a journey filled with highs and lows, triumphs and setbacks—sometimes, those setbacks pave the way to success. "I want to be remembered as someone who walked her path with a smile, proud of what I've accomplished and at peace with the journey," she shares. That grounded perspective and quiet determination define her.

For Stephanie, success is an ongoing, never-ending journey. Setting her eyes on a goal is just another step along the way. "Success is always moving forward with the mentality that I am better than I was yesterday but not as good as I will be tomorrow," Stephanie reveals.

Stephanie Ratty

Lubbock National Bank

806-473-6424