KS StateBank Ratings & Reviews

NMLS ID: 422817

KS StateBank

4.9 of 5 33 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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97% of our customers would recommend this lender. (32 of 33)


Customer Reviews


  • (1) (0)

    First time VA home buying made easy.

    Yes, I recommend this lender

    The main reason I went with KS State Bank was because unlike many of the lenders here, Todd Hart (my loan officer) emailed me all the rates and fees outlined from the beginning, as opposed to calling me from a generic toll free number. So I called Todd of KS State Bank on my time, with all the information I needed because of the email. To me, gettign bombarded with phone calls almost drove me away from lending tree. Having a friendly, informative email, allowed me to choose who to call with my busy schedule. From then on, Todd walked me through the loan process (first time Home Buyer using VA loan) and answered every question I had honestly. He was always fast to respond to emails and texts or return phone calls when he was unable to answer immediately. He was familiar with the VA loan process and knew how to proceed in every scenario the home buying process threw at us. My loan processor, Carolynn Barnes also kept in contact torwards the end, and kept a fire lit under my Realtors behind when things on our end moved to slowly. It was a frustrating process due to the sellers being out of town and only communicating via email, but Todd and Carolynn stuck with me to the end. The only reason we did not close on the original date set was because of issues on the sellers end.

    By:   (Citrus Heights, CA)Reviewed On:

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  • (0) (0)

    Best Refinancing Experience Yet

    Yes, I recommend this lender

    This was our fourth refinance in 23 years, and the best yet. From the beginning, Doug Krueger asked me what was the most convenient way for me to handle communications. For me that was email. He always responded within hours of my emails, and sometimes within minutes. The rate and fees were the best of any offer I received from Lending Tree, and the whole experience went smoothly. Closing happened to occur while we were on vacation (closed a little earlier than initially expected), and they sent a local accountant to us in the hotel for signing (my choice, they were willing to wait until we got home). It only took 30 minutes. I would definitely recommend KS StateBank to my friends, family, and coworkers.

    By:   (Wilmington, NC)Reviewed On:

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  • (1) (0)

    Positive Experience

    Yes, I recommend this lender

    We sought financing for our mortgage through Lending Tree. There were different offers however our decision to go with KS State Bank was based on reviews I read about Paul Wilcox. Paul and Sabrina were professional and attentive to our deal. At our closing, both the title company and our realtor shared their appreciation for the timely updates. Thanks to both Paul and Sabrina for making the experience simple and painless.

    By:   (La Porte IN)Reviewed On:

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  • (0) (0)

    Easy Refinance

    Yes, I recommend this lender

    Paul and Sabrina at KS State were awesome. They were extremely patient with us, answered all our questions, patiently waited while we got all our stuff together, and gave a us a great rate. What I liked most was that the second we hit the 'submit' button on LendingTree 400 phone calls came and people harassed us to death! We had to call back LendingTree and ask them to put us on the no-call list! It was horrible! But from KS State I got a very un-pushy email showing their rates and saying they'd like to work with us. That's how the whole thing went, no tricks, no bait and switch, just a straight honest transaction. I highly recommend them.

    By:   (Creedmoor, NC)Reviewed On:

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  • (0) (0)

    Look no further!

    Yes, I recommend this lender

    I ran my credit report and I shopped around for a VA purchase loan in the beginning of May 2015. The lenders that I approached were 2 local mortgage brokers, 2 local lenders, the builder owned mortgage company and KS State Bank. So needless to say I did a lot of homework and leg work to ensure that we get the best rates. All the rates quoted by the other lenders were at 4% or higher with only 1% or lower lender credit. I was quoted by KS State Bank 3.75 with 1.75% lender credit. I was a bit hesitant at first because I have never heard of KS State Bank. I spoke to my Loan Officer who is Matt Prettner and pretty much conducted my own interview. We started the loan application and everything went smooth. To put it simply, Matt knows the mortgage business and will not nickel and dime you on the rates. Now a big part of the loan process also depends on the loan processor. I had the opportunity to work with Katelin Shane and she is very responsive with all my inquiries and quick to relay any inquiries done by the underwriter and the team. This entire loan process was the smoothest and I could not think of anything that would make give Matt Prettner and Katelin Shane less than 5 stars

    By:   (Henderson, NV)Reviewed On:

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  • (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:

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  • (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:

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  • (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:

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  • (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:

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  • (3) (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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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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