BNC National Bank Mortgage Review 2023
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At a glance
BNC National Bank
4.3
Bankrate Score
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
Min. credit score required
620 for conventional loans
Pros and cons
Pros
- Specializes in VA loans
- Will use manual underwriting to work with borrowers who have less-established credit histories
Cons
- No e-closing option available
- Limited physical branch network
BNC National Bank overview
BNC National Bank is good for
Borrowers looking for a VA loan and competitive rates
Breakdown of BNC National Bank overall score
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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.
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Availability: The bank offers a wide range of loan products to borrowers nationwide.
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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.
Methodology
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
- Navy Federal Credit Union mortgage review – Also specializes in helping military members, veterans and their families and displays daily rates
- USAA mortgage review – Another lender focused on serving those who have served in the military and their family members, with a larger national profile and bigger membership base
- NBKC Bank mortgage review – No origination fee on VA loans and an equivalent BBB rating
BNC National Bank consumer reviews

4.9
68 reviews
About consumer ratings
Customer service rating
97% of reviews would recommend this lender
5 of 5 rates honored
Review this lender
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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.