Bison State Bank Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Bison State Bank Mortgage
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
93%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Importantly, federal mortgage disclosure data does not include applicants' credit scores, so the analysis cannot account for differences in creditworthiness that may explain some disparities. This limitation applies to all lenders, making comparisons more consistent, but its impact may vary across lenders. These measures identify potential disparities, not proof of unfair treatment.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
Importantly, this measure is not included in the scores because a lender's closing likelihood might be pulled down by factors outside their control, such as differences in application volume. Nonetheless, there are clear performance differences between lenders even after these factors are controlled for, so it is included for informational purposes only.
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What Bankrate's editors think
Despite its small-town footprint (just two branches, one in Bison, KS, the other in Kansas City, MO), Bison State Bank lends nationwide and has a rating that holds up against much bigger lenders: about 82% of its loans were priced below comparable loans in 2025, it had zero origination-related complaints on record in 2025 and closed about 96% of the loans it approved. It also doesn’t charge an origination fee, which helps you save on closing costs. With its competitive pricing and positive consumer experience record, Bison State Bank earns a rare combo: Overall Score and Bankrate Score of 5.
Its loan lineup covers conventional, FHA, VA, USDA and jumbo loans, but this lender doesn’t offer many niche loan products. The biggest catch is timing: Bison’s rate lock is only 30 days, shorter than the 45-60 days many lenders offer, so apply once you’re ready to move, not while you’re still comparing lenders.
At a glance
Good for borrowers who want a straightforward loan with minimal fees — no origination charge and pricing that beats most comparable loans. Apply near the end of your lender shopping, though: its rate lock is just 30 days, shorter than many other lenders offer.
What consumers say
Bison State Bank reviewers most often note a team that responds quickly, and describe the loan officer’s guidance in equally favorable terms. This is a small but consistently positive set of reviews.
Outstanding Mortgage Experience – Competitive Rates, Exceptional Service & Seamless Home Closing
I had a wonderful experience working with Aspen at Bison State Bank for my recent home purchase. Aspen was extremely professional, responsive, and supportive throughout the entire mortgage process, making what can often be a stressful experience smooth and hassle-free. What stood out the most was the effort to secure a highly competitive mortgage rate compared to other lenders, along with clear communication, transparency, and timely guidance at every step. Aspen was always approachable, patiently addressed all my questions, and ensured everything stayed on track for a smooth and successful closing. I truly appreciate Aspen’s dedication, commitment, and customer-first approach. It was a pleasure working with Aspen, and I would gladly recommend Aspen and Bison State Bank to anyone looking for a reliable lending partner when purchasing a home. Thank you, Aspen, for making our new home journey that much easier and helping us close with confidence!
Karthik · MO
Exceptional Rate & Service
I cannot say enough good things about my experience working with Don at Bison State Bank. He was absolutely fantastic throughout the entire process—responsive, knowledgeable, honest, direct, and incredibly easy to work with. Buying a home and navigating the mortgage process can be stressful, but I always felt like I was in very capable hands with Don and Bison. I did extensive research and compared Bison with numerous other lenders, and Bison consistently offered me the best rates. Additionally, every time I needed a new pre-approval letter, Don and his team provided me with multiple loan options so I could compare different loan structures and make sure I was getting the best available rate and terms. I never felt like I was simply being pushed toward one option—they made sure I understood my choices and could make an informed decision. From the beginning, Don was exceptionally responsive to my emails and was always willing to hop on a call whenever I wanted to talk something through. He was incredibly clear about every step of the process, so I always knew exactly what to expect and what was coming next. When I had questions or concerns while reviewing loan documents, I could count on him to provide an immediate, straightforward, and reliable answer. I really appreciated his honesty and transparency and genuinely felt that I could trust him. Most importantly, Don and the Bison team made an extremely fast closing possible for me. Being able to offer an 18-day close was a significant factor in getting my offer accepted on the house I really wanted, and they delivered on it. They got my loan to final approval in approximately 15 days and had everything ready for us to close on time in just 18 days. That timeline was essential in securing a great home in an incredibly competitive market (Bay Area, CA), and I’m so grateful that they were able to make it happen. Despite the accelerated timeline, the entire loan process was remarkably smooth and straightforward and I felt I had the support of the Bison team. I never felt like I was scrambling or wondering what was happening behind the scenes. Don and his team were excellent communicators and on top of everything from start to finish. I’m incredibly happy that I chose Don and Bison for my mortgage. They gave me a fantastic rate, outstanding service, and, ultimately, helped me put together the offer that got me the house I wanted. I would enthusiastically recommend Don to anyone looking for a mortgage lender and would absolutely work with him again.
Anna · Bay Area, CA
A phenomenal experience with a true VA loan expert!
If you are a veteran looking to buy a home or refinance, look no further than Greg Morales at Bison State Bank. We just worked with him for our mortgage and it was an amazing experience! He is incredibly professional, highly responsive, and possesses a deep knowledge of the VA loan process. From day one, it was clear that he truly had our best interests at heart. As it was my husband's first time buying a home, we naturally had a lot of questions. Greg consistently went above and beyond to answer every single one, turning what could have been a stressful ordeal into a smooth, educational, and exciting journey. We highly recommend Greg and look forward to working with him on our IRRRL!
Summer V. · Santa Cruz
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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