Bison State Bank Mortgage Review 2026

Bison State Bank was founded more than 100 years ago in Bison, Kansas. The bank continues to serve western Kansas, with two branches in the area, but it also works with mortgage borrowers nationwide on both conventional and government-backed home loans, as well as refinancing options. Notably, it doesn’t charge origination fees or other hidden costs.

Pros and cons of Bison State Bank

Affordability: 4.9 stars

Because of its competitive interest rates and no origination fees, Bison State Bank scores a near-perfect 4.9 out of 5 stars for affordability. 

• Interest rates: The specific rate you receive depends on your circumstances, such as loan amount, credit profile and down payment. This bank quotes a mortgage rate that’s below the national average.
• Down payment: Different loan types have different down payment requirements. Conventional loans with Bison State Bank require just 3% down, while FHA loans require a minimum of 3.5%. VA loans do not require a down payment. 
• Closing costs: Bison State Bank doesn’t charge an origination fee, so you’ll save some money on closing costs.

Availability: 5 stars

Because Bison State Bank offers a wide variety of loans across a broad geographic footprint, it scored 5 out of 5 stars for availability.

• Home loans offered: The bank provides a variety of mortgage types, such as conventional loans and some government-backed mortgages, including VA and FHA loans. It also offers refinancing options.
• Footprint: Bison State Bank is licensed to originate mortgages in all U.S. states. 
• Where to find: You can start the mortgage process online by filling out a form or by calling to speak with a loan officer. 

Borrower experience: 4.2 stars

Bison State Bank allows you to apply for a mortgage online and offers quick preapproval turnaround times. It also offers a way to get rate quotes online without needing to submit your email or wait for a loan officer to contact you. However, because of its 30-day rate lock window and few contact methods, the bank gets 4.2 out of 5 stars for borrower experience. 

• Preapproval and application process: You can apply for a prequalification and a mortgage online through Bison State Bank’s website. The bank's standard rate lock window is only 30 days. 
• Transparency: By providing some information about your desired location, purchase price and down payment amount, you can get estimated rate quotes right on the bank's site. 
• Customer service: If you have questions about a mortgage, Bison State Bank loan officers are available Monday through Friday from 9 a.m. to 6 p.m. ET. You might be required to leave a message with your questions or know the extension of a specific loan officer.

Bison State Bank is not accredited by the Better Business Bureau (as of this review). The community bank tends to have favorable reviews on other third-party sites like Zillow.

Bison State Bank offers both rate-and-term and cash-out refinancing options. There are no fees, but you’ll have to pay for third-party services, such as the home appraisal.