Home Loan Center

More Personal Attention When Buying or Building a New Home.

For Current Rate Quotes, Call 806-472-4439 during regular business hours. Monday-Friday, 8:00AM-5:00PM

Peoples Bank Home Loan Center offers FREE Pre-Qualification to prospective home buyers.


Peoples Bank offers you a complete mortgage loan service through our Home Loan Center. We offer FHA, VA, and conventional financing. Peoples Bank provides interim financing for construction, and our Home Loan Center provides permanent financing for your new home or refinancing for your present home. Our friendly and professional staff has years of Mortgage Loan experience to serve you.


Renessa Knowles
Senior Vice President, Mortgage Department Manager
NMLS# 333805
Direct: 806-776-2037
Cell: 806-790-7961

Renessa Knowles has been in the mortgage business for more than 28 years and is currently a Senior Vice President and Mortgage Department Manager at Peoples Bank. She is a member of the West Texas Homebuilders Association, the Lubbock Board of Realtors, and serves on the board of the Texas Mortgage Bankers Association. She is also a past president of the Fort Worth Mortgage Bankers Association.

Renessa is dedicated to making sure your home loan experience moves quickly and smoothly through the entire loan process.

Renessa is an ’84 graduate of Coronado; married Jeff Knowles in 1988; and together they have raised three sons; Austin, (who currently serves in the US Air Force) Justin & Gatlin.

Renessa and Jeff attend Turning Point Community Church. She enjoys playing golf, cooking and watching Dallas Stars Hockey.

Lacie Walton
Senior Vice President, Mortgage Originator
NMLS# 469782
Direct: 806-776-2088
Cell: 806-441-8036

Lacie Walton has been in the mortgage business for over 20 years and is currently a Senior Vice President and mortgage originator at Peoples Bank Home Loan Center. She is very active with the West Texas Homebuilders Association and Lubbock Board of Realtors. She has a great reputation in this business and has a strong realtor and builder following.

Lacie has been married to Mike Walton for over 15 years and they have one daughter, Carley. Lacie was raised in Lubbock and graduated from Frenship High School and Texas Tech University. She has three American Eskimo dogs.

She loves to read, travel and spend time with her family. Some of her favorite vacation spots include Colorado and Florida. Lacie is an avid Red Raider fan and loves dogs. A fun fact about her is that she can eat icing by the container.

Cody Cypert
Vice President, Mortgage Originator
NMLS# 933805
Direct: 806-776-2045
Cell: 806-392-2061

Cody Cypert has been in the mortgage business for over 15 years and is currently a Vice President and mortgage originator at Peoples Bank Home Loan Center. He has experience in several mortgage areas, including underwriting. Cody is a certified Direct Endorsement Underwriter with FHA, is a certified Staff Appraisal Reviewer with VA, and is a member of the Texas Mortgage Bankers Association. Cody is very passionate about helping others buy their dream home or refinance existing loans.

Cody, a native of Haskell, Texas, married Breann over 12 years ago and they have two children, Averie and Mason.

Cody enjoys hunting, golfing, riding ATVs and drag racing. He loves to eat Mexican food and Seafood.



Peoples Bank Home Loan Center would be honored to help you turn your dream into reality when purchasing your new home. We understand that buying a home may be your largest financial decision you’ve made, so it is important to know what steps to take and what you should expect.

What to expect from your realtor?

Allow you to preview available homes that suite your needs, which you’ve defined.
Negotiate the best deal for you. If you have a Pre-Qualification letter from Peoples Bank, your Realtor will be able to present you as a qualified borrower.

What to expect from Peoples Bank Home Loan Center?

Assist you in selecting the best loan to meet your personal goals, which can save you thousands of dollars in the years ahead. Communicate with you and keep you informed of your loan status throughout the entire process. Provide the best rates and fees possible.


Peoples Bank Home Loan Center would like to welcome you to visit our location at 5820 82nd Street in Lubbock. Our lobby is open from 9:00AM-4:00PM Monday thru Friday.

If you are not available to meet during those times, please contact the office at 806-472-4439 to schedule an appointment with one of our mortgage experts.

If you would like to fill out the application, CLICK HERE

NMLS#: 514404