BNC National Bank Reviews

Most of everything was communicated via online. The loan processor just sent me the link and it had a step-by-step follow-through. So, it was very easy.

BNC Bank is easy to work with, and I liked their transparency and great rates. I was pretty pleased with the two people that they had handled the process. They did a good job. I was absolutely satisfied with the rate. I had a rate going in mind that I wanted and if I got that, I was gonna go with them, and I did that. It was a great experience. I'd definitely do it again with them.

BNC was very easy to work with. Mike, the rep, was the person who I stayed in contact with the entire time. Once we got to the point where they said, "Hey, everything is good to go," we scheduled the delivery date. However, there were a couple of issues that came up towards the end, that the attorney had not completed some of the filings and there was a concern that he wouldn't get the paperwork back to them in time for us to make our closing and be able to have the house. So, the next day, they would deliver all of our household goods. BNC said they would keep somebody there later than normal to finalize everything to make sure that they met the federal guidelines for the number of days. Also, Mike reassured me that they would do everything possible in their end to make sure that we met our closing date. So, I felt they took care of me. Also, BNC's rate was the lowest from the beginning. All in all, I was happy with the entire experience.

When I bought the house and I looked at it, it was late in the day that I wanted to make an offer on it. I was still needing a letter of credit and Chris stayed up late and immediately got on the call with my Realtor just at the drop of a dime and said, "Yup," and did a business call speakerphone, with the whole office. It was the first interaction and he just jumped on the ball and from that day forward, he never stopped. It was just that after we went through Docusign and I signed anything that needed my signature, I no longer had access to those documents. I would have liked to have been able to review them and share them with my lawyer after the fact.

I loved the lady that I talked to at BNC. I also called two other lenders but then, BNC gave me the best rate and their rep, Crystal, gave me lender credits. Besides that, Crystal was very proactive. But the underwriting of BNC Bank needs work. It should be something quick and painless. Crystal forwarded over emails and I had sent emails over to their underwriting reps. But instead of verifying that they received the emails, they kept asking for the same documentation. That was okay when you deal with someone that has time in their hands, but that was not the case for somebody like me and my family.

I've done two refinances within the last six to eight months, and working with Jennifer from BNC was excellent. She always keeps me on my toes, makes sure that I stay on task, and that the people behind the scenes are staying on task too. So, it worked out well. Great prices and low fees. So, I couldn't be happier with that. It went so smooth for me.

I'm extremely satisfied with BNC's whole process. The pre-approval took a good six weeks before we put an offer on the house. But once we put an offer on the house, the process took three weeks to complete. The rep I had, Linda, went way and above what was expected of her. She did an outstanding job and I wish there were some more good things I can say about her. I'm also happy with the terms I got and I would highly recommend Linda to my friends.

The rep answered questions promptly and kept me informed of the process. It took us a month to do it just because of getting everything ready, but BNC National Bank was very open about what they would need.

The only thing that was weird was that right after we closed, I got the letter in the mail about PennyMac owning the loan. It would have been nice to get a heads-up that that was happening like, "Oh, by the way, we're selling your mortgage to another company." Other than that, it was a good experience.

BNC National Bank had the best rates. Also, their website was the most user-friendly overall, and the most responsive. The team reached out right away. They called and helped me out with the steps. And I had a nice representative helping me out. However, It took a while to figure out how to actually pay for the mortgage once everything was done. BNC Bank never told me they sold my debts to someone else. And I was lost trying to find out how to even pay for my mortgage, because I was not given any customer number or any information on how to actually pay it. I had to make a couple of calls until I found out my debt was transferred to Mr. Cooper. And Mr. Cooper didn't give me any information at all. I was a little upset.

I did a refinance with BNC and it was a good experience so I went back. Everything went really fast. The timeframe was within the closing time of my purchase which was six weeks. They were great to work with.

The whole process with BNC was really good and took about three weeks to complete. I really liked Chris, who was my mortgage officer. He was very responsive and told me exactly what was going on. He was also very knowledgeable and he got through the loan pretty quickly, which was not a really easy loan. So, I appreciated his help.

The application process was labor-intensive with a lot of scanning and emailing, but it was fine. I would have gone with a local bank that I could've just walked into and just handed them stuff, but they required 20% down and I didn't have that kind of cash flow at the time. So, with BNC requiring less, made the situation better. I was really happy with the way everything went. I've already given their name to another friend of mine that was looking at buying a house.

Linda from BNC was pretty responsive, very punctual, and kept the ball rolling. I got a mortgage from them and the rates seem good and in line with other things that I was seeing.

BNC had an actual person that you could talk to throughout the process, who would explain everything to make the process easier. Then they had somebody else who helped with gathering all the paperwork that was necessary. Charles always offered to answer questions, even if it was a weekend. They had really good customer service. The application was 20 minutes. The underwriting process would have been faster, but I had some back and forth about some documentation. But it wasn't very onerous. I would highly recommend BNC.

I was happy with the process and with the individuals that worked with me. Everything was much more manual than I had hoped at the very beginning. But once we got into the loan process, it worked very well. My experience with BNC was top-notch and I'd recommend them to others that I know for home loans and the like.

I did a mortgage rate search on Zillow and BNC National Bank appeared to have one of the best rates. So I contacted them. Their reps were really responsive and helpful. The online portal was well-built and signing was easy. Everything was DocuSign, so I did everything online. I would recommend my friends and family to give them a try.

Some things got confusing, but that was not any of BNC National Bank's fault. The rep was very knowledgeable and helped me out a lot. Everything was straightforward and I was pleased with it. This is my first home purchase, so I didn't know what a good rate would be. But everyone tells me it's pretty sick, so it's good.

I just called BNC's 1800 number and I luckily got Shawna, which was the best thing that could have ever happened to me. This is my first home purchase and I did it without a Realtor. So, I was really flying blind. Had it not been for Shawna, I would have struggled. She's a powerhouse. When you speak to them, they're just a wealth of knowledge and you know that they've been in the industry for quite some time. I got 2.8%, which was my rate. She linked me up with a title company and we have mobile notaries. It was a really smooth process. She was Johnny-on-the-spot. We closed in less than 30 days. Everything about it just couldn't have been more perfect. It was a great experience all the way around.

I chose BNC National Bank because they gave me a better interest rate than anybody else. Their rep was the best guy I dealt with. When I talked to him about why my loan got transferred to a different bank already, he said, "You go through that when you're buying a house." But I didn't even make my first payment and I got transferred to another lender. Every time the reps called me and told me what they needed, I got to them and got it right back. And they gave me a great compliment on doing that, because they said other people take three, four or five days giving them information, but I got it to them as soon as possible. And they commended me about doing that.

BNC Bank gave me the best rate possible. The process took under two weeks and it was pretty smooth for me. It was just hard to get ahold of the mortgage officer that I was working with.

Everything was super easy with the application process, doing everything online. The representative was absolutely wonderful and so was the assistant. We got everything done in a month. The interest rate was pretty perfect for us. Overall, we had a great experience and we were glad we went through with BNC.

I just met Vic and the bank that he was with had this super low rate for veterans and nobody else could match it. I have a friend who is in the mortgage business and I ran about him. And it was a local bank. He said, "Oh, heck no. I can't even touch that. You need to take it." That has been 10 years ago. And everything I've done, I've done with Vic since. He is phenomenal. I'm 51 years old and I have refinanced quite a few times. I've owned other property. I have never had an experience like I've had with Vic. And I won't go to anywhere else.

I was referred to Ben, my loan officer, by a friend. He was timely and he answered everything that I asked him for. Everything went very smoothly and easily and I was very satisfied.

When I found BNC National Bank and read the good reviews, I contacted someone and from start to finish, it was really good. Paige was awesome, very transparent with fees, the rate that I qualified for. She was very helpful and it made my home buying experience better than most. What I enjoyed the most is her getting back to me in a timely manner and being straightforward in answering my questions instead of dancing around them. And she explained everything with the mortgage being transferred and was upfront about how all that would work out.