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BNC National Bank Mortgage Review 2023

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At a glance

BNC National Bank


Rating: 4.3 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing


Nationwide Availability

Available in all U.S. states

Credit Good

Min. credit score required

620 for conventional loans

Pros and cons

Checkmark Pros

  • Specializes in VA loans
  • Will use manual underwriting to work with borrowers who have less-established credit histories

Close X Cons

  • No e-closing option available
  • Limited physical branch network

BNC National Bank overview

BNC National Bank has been providing mortgages for 30 years, funding over $2.9 billion in mortgages in 2020. While the bank offers an online and consumer-direct lending experience, it also has branch locations in Arizona, Illinois, Kansas and North Dakota. The bank offers a wide range of loan programs but specializes in serving veterans with VA loans, with more than 50 percent of its business coming from the sector. You can obtain a preapproval instantly online via an automated system (provided you qualify), and the bank can close new purchases in less than 30 days.

BNC National Bank is good for

Borrowers looking for a VA loan and competitive rates

Breakdown of BNC National Bank overall score 

  • Affordability: A key benefit to working with BNC National Bank: It doesn’t charge fees on VA loans. To get a rate quote tailored to you, you’ll need to contact the bank directly.

  • Availability: The bank offers a wide range of loan products to borrowers nationwide.

  • Borrower experience: You’ll be able to complete much of the mortgage process online, but still have the option to consult with a loan officer when needed.


To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Affordability: 3/5

You won’t be able to easily compare BNC National Bank’s mortgage rates via its website. You can request a custom quote, however, based on your loan amount, down payment, credit score and other information. The bank charges a $1,095 fee on most home loans, but there are no fees on VA loans, which make up a considerable portion of the bank’s business.

Availability: 5/5

Available to borrowers nationwide, BNC National Bank offers conventional and government-insured loans on both home purchases and refinances. While the bank does impose minimum credit standards, it might be able to employ manual underwriting to help you qualify for a loan without meeting those requirements. Notably, you might be able to get away with a debt-to-income (DTI) ratio as high as 60 percent on some types of loans.

Borrower experience: 4.6/5

BNC National Bank is accredited by the Better Business Bureau and has an A+ rating from the organization. The bank offers a lot of the electronic services that borrowers expect, including easy online preapproval, document uploading and application status tracking capabilities (closings require an in-person notary, however). The BNC website also includes a range of calculators to help you understand whether you should refinance, pay points and a number of other decisions in the home loan process.

For questions about a mortgage, you can contact the bank Monday through Friday, 8:30 a.m. to 5 p.m. CT. at 913-647-7000.

Refinancing with BNC National Bank 

You can refinance your mortgage with BNC National Bank. The bank typically moves from locking in a rate to closing in as little as 35 days.

Alternatives to BNC National Bank

BNC National Bank consumer reviews



Rating: 4.9 stars out of 5

68 reviews

5 stars
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About consumer ratings

Customer service rating

Rating: 4.9 stars out of 5
Level of service
Rating: 4.8 stars out of 5
Rating: 4.8 stars out of 5
Rating: 4.9 stars out of 5

97% of reviews would recommend this lender

5 of 5 rates honored

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The consumer reviews posted on ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Written by

David McMillin

Contributing writer

David McMillin is a contributing writer for Bankrate and covers topics like credit cards, mortgages, banking, taxes and travel. David’s goal is to help readers figure out how to save more and stress less.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor