KS StateBank Ratings & Reviews

NMLS ID: 422817

KS StateBank

4.9 of 5 28 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...

Read more


96% of our customers would recommend this lender. (27 of 28)


Customer Reviews


  • (0) (0)

    Great Bank for Mortgage Refinance

    Yes, I recommend this lender

    Came across KS Bank through Lending Tree web site. Was leery of dealing with out of sate bank. They offer great rate and best overall cost. Worked with Travis who understood my requirements very well. Being retired qualification process was tough but Travis worked patiently, diligently to make my loan work through underwriter. Katelin who handled processing was extremely responsive and very efficient. Their team work response was swift every one of my mail was responded same day. We have done so many refinancing in the last 40 years and I must say that this experience and the support, process was the BEST. I would highly recommend KS Bank.

    By:   (Los Angeles. CA)Reviewed On:

    Was this review helpful?

  • (0) (0)

    KS State Bank Mortgage

    Yes, I recommend this lender

    Absolutely outstanding banking experience--highly recommend for any mortgage situation.

    By:   (Las Vegas)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Best REfi Experience Ever

    Yes, I recommend this lender

    Over the years, I've done several buys and refis. My experience with Paul Wilcox and Sabrina Ritt was by far the best ever. Not only was the rate extraordinary, but their responsiveness was truly outstanding. Thirty days from lock to closing! You just can't beat it!. I cannot recommend KS and Paul and Sabrina enough. Many thanks.

    By:   (Decatur, GA)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Superb!!!

    Yes, I recommend this lender

    Paul Wilcox has done an amazing job at KS State Bank. He has helped me to purchase my home with incredible low rate. Pick up the phone whenever I called. Very professional and has a vast knowledge in this process. I thank Paul for a job well done.

    By:   (Shakopee, MN)Reviewed On:

    Was this review helpful?

  • (2) (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:

    Was this review helpful?

  • (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:

    Was this review helpful?

  • (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:

    Was this review helpful?

  • (1) (3)

    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:

    Was this review helpful?

  • (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:

    Was this review helpful?

  • (2) (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:

    Was this review helpful?

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!
Feedback Form