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KS StateBank Mortgage Review 2021
The coronavirus pandemic introduced some new challenges to getting a mortgage. Many first state bank kansas city facing high loan demand and staffing issues increased their fees, adjusted minimum required credit scores or temporarily suspended certain loan products. While some products and business practices have returned to pre-pandemic levels, you might still find delays and limited options. If you can’t pay your current home loan, refer to our mortgage assistance resource. For information on how to cope with financial stress during this first state bank kansas city, see NerdWallet’s financial guide to COVID-19.
KS StateBank at a glance
KS StateBank is a top choice for home loans because of its ample selection of mortgage products and online convenience. The lender shines when it comes to competitive interest rates and reasonable fees.
Here's a breakdown of KS StateBank’s overall score:
Variety of loan types: 5 of 5 stars.
Ease of application: 5 of 5 stars.
Rates and fees: 5 of 5 stars.
Rate transparency: 3 of 5 stars.
» MORE:Compare KS StateBank with other mortgage lenders
KS StateBank mortgage loan types
While it's true that much of its loan business comes from the heart of the nation, particularly from the Kansas City metro area, KS StateBank’s home loan influence is far-flung, with sizable market shares in communities across the country.
Lenders that hold customer deposits, like banks and credit unions, usually have the most extensive assortment of loan products. That capital allows lenders like KS StateBank to do things most nonbank mortgage companies can't, like home equity loans.
KS StateBank specializes in loans backed by the Department of Veterans Affairs. It's the bulk of its loan volume, mainsource bank brookville VA loans accounting for nearly 55% of business in 2020. VA loans are famous for requiring no down payment, and KS StateBank honors that 0% down policy even on homes in high-property-value areas for military-connected borrowers with full VA entitlements.
The lineup of home loans includes:
Fixed and adjustable-rate mortgages.
FHA, VA and USDA loans.
First-time home buyer programs.
Mortgages for self-employed borrowers.
Vacation and second home loans.
FHA 203(k) renovation loans.
KS StateBank has also expanded into bank statement lending for borrowers who don't have W-2s or whose tax returns might not reflect their total financial picture. It's also a significant benefit for foreign nationals buying in first state bank kansas city U.S.
What you won't find on the list of loans: energy-efficient, co-op or manufactured housing loans. KS StateBank doesn't offer reverse mortgages, either.
Teachers, first-responders and military-connected borrowers can take advantage of the Hero Program, which waives KS StateBank's origination charge.
The lender also offers home equity loans and a home equity line of credit, or HELOC. These second mortgages are one way for victoria secret love pink sweat outfits to access existing home equity without refinancing or selling their home. Funds obtained with a second mortgage can be used for expenses such as home improvements, education costs or debt consolidation.
KS StateBank ease of application
To apply, you’ll have to create an account first. Then you can choose to fill out a mortgage application available from the bank's website through a link associated with a loan officer's name, or you can fill out a general application to first state bank kansas city contact. Online convenience includes document uploads, loan process updates and tracking. The entire process is guided by a loan officer.
An available mobile app performs top 20 modeling agencies functions but doesn't have mortgage loan capabilities. You’ll have to use the lender’s website to apply for a home loan or to monitor your loan’s progress.
KS StateBank mortgage rates and fees
One of the most important considerations when choosing a mortgage lender is understanding what the loan will cost. To provide consumers with a general sense of what a lender might charge, NerdWallet scores lenders on two factors regarding fees and mortgage rates, according to the most recently available Home Mortgage Disclosure Act data:
KS StateBank earns 4 of 5 stars for average origination fee.
KS StateBank earns 5 of 5 stars for offered mortgage rates compared with the best available rates on comparable loans.
Borrowers should consider the balance between lender fees and mortgage rates. While it's not always the case, paying upfront fees can lower your mortgage interest rate. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Some lenders just charge higher upfront fees.
You can decide to buy discount points — a fee paid with your closing costs — to reduce your mortgage rate.
Deciding whether to pay higher upfront fees is a matter of considering how long you plan to live in your home and how much cash you have to apply toward closing costs when you sign the loan paperwork.
» MORE: 'Should I buy points?' calculator
KS StateBank mortgage rate transparency
KS StateBank doesn't publish a page of national rates; you'll need to fill out a short form to see purchase and refinance rates. After providing some limited information, you see rates that are relevant to your situation, but keep in mind they are still just estimates. You won’t get your actual rate until you apply and are approved for a home loan.
However, we couldn't find information on the results page to see how interest rates were determined. For example, one item commonly found in the fine print is an assumed debt-to-income ratio, an important detail that goes into calculating an interest rate.
More from NerdWallet
- Monday: 7:00 AM - 6:00 PM
- Tuesday: 7:00 AM - 6:00 PM
- Wednesday: 7:00 AM - 6:00 PM
- Thursday: 7:00 AM - 6:00 PM
- Friday: 7:00 AM - 6:00 PM
- Saturday: 7:00 AM - 12:00 PM
- Sunday: Closed
First State Bank & Trust is located at 10900 Parallel Pkwy in Kansas City, Kansas 66109. First State Bank & Trust can be contacted via phone at (913) 299-8831 for pricing, hours and directions.
- (913) 299-8831
- (913) 299-8831
What is the phone number for First State Bank & Trust?
The phone number for First State Bank & Trust is: (913) 299-8831.
Where is First State Bank & Trust located?
First State Bank & Trust is located at 10900 Parallel Pkwy, Kansas City, KS 66109
What is first state bank kansas city internet address for First State Bank & Trust?
The website (URL) for First State Bank & Trust is: http://FIRSTSTATEKS.COM
How big is First State Bank & Trust?
First State Bank & Trust employs approximately 2-5 people.
Is there a key contact at First State Bank & Trust?
You can contact Angie Kaminski at (913) 299-8831.
What days are First State Bank & Trust open?
First State Bank & Trust is open:
Monday: 7:00 AM - 6:00 PM
Tuesday: 7:00 AM - 6:00 PM
Wednesday: 7:00 AM - 6:00 PM
Thursday: 7:00 AM - 6:00 PM
Friday: 7:00 AM - 6:00 PM
Saturday: 7:00 AM - 12:00 PM
How is First State Bank & Trust rated?
First State Bank & Trust has a 4.1 Star Rating from 9 reviewers.
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Attention All Customers:
Important COVID-19 information.
Kansas City area branches
COVID Update: Kansas City, Overland Park, and Liberty branches are open for both scheduled appointments and walk-ins.
Leawood is open with drive-thru only access and scheduled appointments for Safety Deposit Box access.
If you would like to make an appointment, please choose a branch:
For eligible mortgage borrowers, we have first state bank kansas city range of payment programs available if you are under hardship due to COVID-19. Hold times are longer than usual right now. Sign up and complete a request here to avoid the wait.
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First State Bank of Rankin
The First State Bank of Rankin was chartered on June 4, 1927 in Upton County, Texas.
The town of Rankin was founded in 1911 on the Kansas City, Mexico and Orient Railroad and was named after F.E. Rankin, a local rancher at that time. The town of Rankin saw four immense oil fields discovered in 1923-1926.
The First State Bank of Rankin was Upton County's first financial institution. The original officers were:
- John F. Lane - President, Business & Civic Leader
- J.P. Rankin - Vice President, First premier bank tarjeta de credito Baldwin - Director, Oil Man
- T.J. Murphy - Director, First state bank kansas city. Newberry - Director, Merchant
- W.M. Noelke - Director, Rancher
- B.S. Taylor - Director, Merchant
- W.H. Holcombe - Cashier
Rankin is host first state bank kansas city the World Championship Barbados Cook-off. The event is held every year during the Memorial Day weekend and includes a bull riding and a cook-off that crowns the world champion Barbado chef.
Rankin’s ranching history runs deep and has for many years, such as the Rankin All-Kid Rodeo. The rodeo has been homes for sale in west yellowstone montana annual event since 1952, when a few of Rankin ranchers got together and put on a Rodeo that is still to this day a part of the summer circuit for Junior rodeo goers.
On May 31, 1997 the Eden Financial Corporation acquired The First State Bank of Rankin and remained an independent bank until October 15, 2002 when it became a branch of The Eden State Bank. It is now part of the Texas Financial Bank family.
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IRS Legislation – ACT NOW!
Washington proposes banks must report all personal and business deposits and withdrawals in excess of $600 directly to Internal Revenue Service (IRS) annually. First State Bank of Bedias would like to encourage you to use the tool provided by Independent Community Bankers of America (ICBA) to contact Congress to express your fundamental right as an American to financial privacy.Learn MoreLearn More
Mobile Banking, secure and convenient account access on the go!
View your First State Bank of Bedias accounts via our free mobile app available for iPhone® and Android™ devices. Download the app today and get convenience on the go!
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2021 Thanksgiving Hours of OperationLearn More
IRS Legislation – ACT NOW!
Washington proposes banks must report all personal and business deposits and withdrawals in excess of $600 directly to Internal Revenue Service (IRS) annually. First State Bank of Bedias would like to encourage you to use the tool provided by Independent Community Bankers of America (ICBA) to contact Congress to express your fundamental right as an American to financial privacy.Learn More
Add your card to your phone or watch for contactless paymentLearn More
We have made a step-by-step switch kit to help you make a smooth transition to First State Bank of Bedias! We are excited to have you join the family and encourage you to give a us a call at either location if you have questions at all. Bedias: (936) 395-2141 or Kurten: (979) 589-2407.
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