Commercial banks have exponentially increased their total loans advanced over the period 2002- 2013. However commercial banks in Kenya have shown varying long term lending behavior. The main objective of this study was to establish the effect of determinants of long term lending in the Kenyan banking industry, a case of Bungoma County. This study was guided by the following specific objective; to determine the effect of volume of deposit on total loan advanced, of selected commercial banks in Kenya. The target population comprised 13 commercial banks in Bungoma County with a sample size of 52 respondents. From the findings, for every unit increase in volume of deposits, a 10.9%, unit increase in total loans advanced is predicted. The model hypothesizes that there is functional relationship between the dependent variable and the independent variable. The study then recommends that commercial banks should focus on mobilizing more deposits as this will enhance their lending performance.