KS StateBank Ratings & Reviews

NMLS ID: 422817

KS StateBank

4.8 of 5 25 Reviews


Who is KS StateBank?

Founded in 1969, Kansas State Bank is a family-owned community bank that lends nationally.  We are FDIC insured and hold the highest of bank ratings from both Bauer Financial and Bankrate.  Our mortgage division specializes in online lending...

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96% of our customers would recommend this lender. (24 of 25)


Customer Reviews


  • (1) (0)

    Kansas State Bank is AMAZING

    Yes, I recommend this lender

    I refinanced my mortgage to a new 30 year fixed rate and folded in a second. I received a rate MUCH lower from Kansas State Bank than any competitors. Multiple competitors told me they were concerned there were hidden fees and the rate was impossible. Two offered to review the Kansas good faith estimate for free. Fast forward....Kansas State Bank delivered! And, when there was a one week delay on closing because underwriter asked for more info in the last minute, they ate the additional lock fee themselves. Brian Johnson and Kateline Shane had EXCELLENT customer service. Same day responses on emails and calls certainly, but usually same hour. And they really cared about returning calls and making sure I felt comfortable each time a competitor tried to tell me they could not follow through (which they obviously did) and I asked them about it. Would not use anyone else. They are FANTASTIC.

    By:   (Napa, CA)Reviewed On:

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  • (0) (0)

    Super Easy

    Yes, I recommend this lender

    KS State Bank was easy to work with throughout the entire process and I got the lowest rate through them. Everything was super easy and fast! My refinance was completed in less than 30 days!!

    By:   (Columbia, SC)Reviewed On:

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  • (1) (0)

    Streamlined Experience

    Yes, I recommend this lender

    Found KSState Bank through Lending Tree. We had never financed online before, but our experience with Doug Bowdish made it feel like we were working with a local bank. He was professional, knowledgeable, articulate, responsive and patient. I would recommend him and KSState Bank without hesitation.

    By:   (South Dartmouth, MA)Reviewed On:

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  • (1) (2)

    Easy refi!

    Yes, I recommend this lender

    Paul Wilcox did a great job of staying on top of our refinance process. He was quick to respond to all our questions and needs. Would def recommend him to friends and family.

    By:   (Tampa, FL)Reviewed On:

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  • (1) (0)

    Great Process

    Yes, I recommend this lender

    I have done several of these refinances and there always ends up being some hidden costs of some kind. Paul Wilcox told me up front what the costs were going to be and they never changed. His service was superb and the loan went through without a glitch. I would definitely recommend them and I will use them if I ever do this again.

    By:   (Utah)Reviewed On:

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  • (1) (0)

    GREAT PRODUCT – FANTASTIC CUSTOMER SERVICE

    Yes, I recommend this lender

    I have bought and sold seven houses through the years so this time I wasn’t going to get taken or stuck like I have in the past. I was set to go with a company I had dealt with over forty years for insurance. Doug Krueger called following up on our other conversations and I told him my decision. He said fine but he can beat any offer the other company proposed. He laid his cards on the table and his closing cost were $2,000 less and his APR was less. So I bashfully admitted I wasn’t stupid. First I want to say everything I had been told by other banks were all wrong. KS State Bank provided what they promised and the best part of the deal was the excellent customer service from Doug who orchestrated this transaction from start to finish with outstanding professionalism. The processors I dealt with didn’t limit their time and duties to just doing their jobs jumped in when needed and excelled. Appreciation to Shay Bennett and Lanette Kaster. We was the last time a bank employee called you on Saturday and Sunday helping you with your questions and required paperwork. KS State Bank – thank you for providing your service and hiring dedicated employees.

    By:   (Cotter, AR)Reviewed On:

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  • (2) (0)

    Mortgages & Refinances

    Yes, I recommend this lender

    Having worked with Doug Bowdish before on multiple mortgages and refinances, the pro-active nature of reaching out when he felt there could be a benefit for us as homeowners to refinance is excellent and keeps my mind at ease that someone is looking out for me. The process is simple given the portal in place, and there is a team of people that are there to provide quick responses to questions. It was painless and we as a homeowner got huge benefits!

    By:   (Prior Lake, MN)Reviewed On:

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  • (1) (0)

    Excellent to work with

    Yes, I recommend this lender

    Outside of a couple hiccups on the VA's side, the loan process was excellent. Doug and others involved from within Kansas State Bank were very responsive and stayed on top of everything for us. I would definately recommend them.

    By:   (Morgantown, WV)Reviewed On:

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  • (2) (0)

    Great rate, great experience!

    Yes, I recommend this lender

    Great experience dealing with Kansas State and our VA loan. Doug and Sabrina did a great job taking care of us, despite conducting the entire transaction online and over the phone. Kansas State beat out all the other Lending Tree competitors, and held to their word with no hidden fees or other unexpected "add-ins" throughout the process. Thanks for your responsiveness guys!

    By:   (Oak Harbor, WA)Reviewed On:

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  • (1) (0)

    Best in the Business - Doug Bowdish

    Yes, I recommend this lender

    I've financed four mortgage loans with Doug Bowdish - two purchases and two refinances, which includes one that closed yesterday. It all starts and finishes with TRUST, which is what you get with Doug. No matter how much work or headache a loan can create, Doug remains patient and diligent. He makes sure that it's done right the first time and leaves nothing uncovered. He doesn't push things along for the sake of getting your loan done and out of the way. He listens and communicates with you. Phone calls, emails are answered quickly. You always feel like you're loan is on the top of the pile on his desk. And to top it off, he's a great guy with a great sense of humor and he enjoys getting to know you. As far as my experience with KS State Bank, very good experience. I like that many of the documents were esigned. The process of esigning was easy - did it on my iPhone, ipad and PC. No problems. One of the quicker refis I've done.

    By:   (Minneapolis, MN)Reviewed On:

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Founded in 1969, Kansas State Bank is a family-owned community bank that lends nationally.  We are FDIC insured and hold the highest of bank ratings from both Bauer Financial and Bankrate.  Our mortgage division specializes in online lending and our goal is to offer the lowest interest rates and total loan cost we can.  We achieve this goal by doing a high volume of loans with low overhead and we pass the savings on to our borrowers.  Our bank slogan is “Solutions for YOU!” and our experienced mortgage loan specialists will guide you through the loan process to find your unique solution.  They will help you realize a mortgage goal that fits with your financial goals and dreams.  For more information call or email us today.  You can also apply online 24/7 and one of our specialists will be in touch!
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