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Personal Loans

At First National Bank, Cortez we offer a variety of consumer loans to fit any need that may arise. Our loan decisions are made locally which results in quicker turnaround times, and flexible approvals. You’re not just a number to us, and we strive to understand your financial needs. To learn more, come talk face to face with one of our experienced lenders to see how we can help with achieving your financing goals.

Personal Loans

Whether you need money for a dream vacation, home improvement or a financial emergency, our experienced loan officers can assist you in securing the money you need quickly. Give us the opportunity to say “yes”!


Consumer Loan Application

Auto Loans

When you finance with First National Bank, Cortez, the hard part is choosing the right car. That’s because we can help you through the financing process. Get competitive rates and pre-approvals for extra bargaining power.


Consumer Loan Application

Mortgage Loans

Whether you are a first-time home buyer or purchasing your third home, our team of mortgage experts is here to guide and support you through the process. If you already own a home and would like to refinance for a lower payment or cash out, we can help with that too.


We offer mortgage and home loan options for almost every situation – conventional fixed and adjustable rate mortgages as well as home equity lines of credit and home equity installment loans.


Come meet with us “face to face” to get the process started. It’s what we love doing!

The Mortgage Loan Originators of First National Bank, Cortez are registered with the Nationwide Mortgage Licensing System (NMLS) with a unique identifier as follows:

  • Cindy Mancuso 430789
  • Misty Valdez 1511638
  • Jim Muller 430791
  • Carrie Davis 965416
  • Ken Perry 515544
  • Ramona Wagner 608075
  • Cassie Alexander 1154641
  • Michelle Reed   1653440
  • Larry McGee 1139179
  • First National Bank, Cortez     Institution ID: 403387


Equal Housing Lender

We do Business in Accordance with Federal Fair Lending Laws UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.


Assistant Secretary for Fair Housing and Equal Opportunity

Department of Housing and Urban Development

Washington, DC 20410

For processing under the Federal Fair Housing Act


Office of the Comptroller of the Currency

Customer Assistance Unit