KS StateBank Ratings & Reviews

NMLS ID: 422817

KS StateBank

4.8 of 5 21 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


95% of our customers would recommend this lender. (20 of 21)


Customer Reviews


  • (0) (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?

  • (0) (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?

  • (0) (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:

    Was this review helpful?

  • (0) (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:

    Was this review helpful?

  • (0) (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:

    Was this review helpful?

  • (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:

    Was this review helpful?

  • (1) (0)

    Best in the Business - Doug Bowdish

    Yes, I recommend this lender

    Doug has worked on four mortgage loans of mine - two purchases and two refinances, one of which closed today. Every one of them went smooth with no surprises. From the moment the process begins, he gives you his full attention from start to finish. You always feel like you're paperwork is on the top of his pile. Emails and phone calls are always answered quickly. He's a diligent, trustworthy guy that you can count on to not rush you through the process. He does the job RIGHT, even if it creates more work for him. He listens to you and the best part is that he cares about you and your family. There's no other guy I'd recommend in the business other than Doug Bowdish.

    By:   (Minneapolis, MN)Reviewed On:

    Was this review helpful?

  • (0) (1)

    Great Experience with Doug Bowdish from KS Bank

    Yes, I recommend this lender

    Doug Bowdish from KS State Bank provided excellent customer service last year for financing our mortgage and again this year to refinance the loan. Doug provided knowledgeable advice and counsel throughout this process. Doug was very responsive and proactive, answered all my questions clearly and provided summary charts to help me understand different loan scenarios. I will definitely recommend working with Doug to get the best deal possible on a home loan.

    By:   (Eden Prairie, MN)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Second experience just as good as the first!

    Yes, I recommend this lender

    Kenneth Raboin and the team at Kansas State Bank were every bit as helpful the second time around! We cannot thank them enough for their timeliness, professionalism, expertise and customer service...all that, and the best rate! As I mentioned above, this was our second time to work with Ken Raboin and he did not disappoint! Buying a house and/or refinancing can be stressful, but we knew we were in good hands and could not be happier!

    By:   (Littleton, CO)Reviewed On:

    Was this review helpful?

  • (3) (1)

    My VA Loan EXPERT

    Yes, I recommend this lender

    My research led me to work with an institution that I never heard of before, Kansas State Bank, because they had the best rates and lowest fees. My Luck led me to work with agent Doug Bowdish and his team. Simply put, Doug is the kind of guy who you want on your side, he's knowledgeable, friendly and patient. I spoke to a lot of people along the way and Doug is a VA Loan EXPERT! He's the one guy who knew the ins and outs of the VA loan rules, that expertise paid off big time at the closing table. The VA loan is a tool, If you want a partner to help you make the most of that tool then Doug is your guy. I have no reservations about recommending his services. God Bless the USA and God Bless you Doug, thanks for helping to make our dream come true!

    By:   (Baltimore, MD)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