NASB DSCR Review 2026: The Other FDIC-Insured DSCR Lender — 1927-Founded Missouri Thrift With a 2012 OCC Order in the Rearview

Why this review exists

We just published our forensic review of Quontic Bank's DSCR program — the other FDIC-insured DSCR lender. SERP probes for queries like "fdic insured dscr lender" return nasb.com as the #1 organic result and the citation source for Google's AI Overview. CrowdfundedWealth needs its own forensic review of NASB to compete on that intent — and to do honestly what aggregator reviews do poorly, which is disclose closed enforcement history, distinguish NASB's product from Quontic's product, and correct the half-dozen factual errors that aggregator content has propagated about NASB.

This review uses primary sources only for institutional facts: FDIC BankFind for Certificate #29708, OCC's CRA Performance Evaluation PDF dated August 17, 2020 (downloaded and read locally from occ.gov/static/cra/craeval/dec20/703927.pdf), OCC and OTS enforcement archives, the OpenSanctions OCC-actions database, NASB Financial Inc.'s press releases and financial results announcements through May 6, 2026, NASB's own DSCR product pages at nasb.com, and BBB / Trustpilot / Consumer Affairs review aggregators. We have no affiliate relationship with NASB Financial, Inc. or North American Savings Bank, FSB. We earn nothing if you apply for a mortgage, open a deposit account, or close a DSCR loan with NASB. Every nasb.com link in this article is a generic destination URL.

1. Institutional facts

Charter class clarification. Like Quontic, NASB is a federally chartered savings bank (thrift) supervised by the OCC — not a national commercial bank, not a state-chartered bank. OCC thrift rules incentivize 1-4 family residential mortgage portfolio retention, which is precisely the strategic posture NASB has adopted (more on this in section 5).

Aggregator-versus-primary error to correct (#1): Many aggregator reviews and recent posts still describe NASB Financial as "NASDAQ:NASB." That is incorrect as of 2026. NASB Financial delisted from Nasdaq in 2014 and currently trades on the OTCQX under symbol NASB. Refer to the OTCQX listing at otcmarkets.com/stock/NASB for the canonical reference.

2. DSCR product details (verified from nasb.com)

Standard DSCR — single-family rental investor

Aggregator-versus-primary error to correct (#2): Some competitor reviews describe NASB as a "nationwide 50-state DSCR lender." This is incorrect. NASB explicitly excludes New York state, the Chicago metropolitan area, and the Baltimore metropolitan area from DSCR eligibility. Borrowers in those geographies should not waste an application — refer to Visio Lending, Velocity Financial, or another non-bank lender instead.

Aggregator-versus-primary error to correct (#3): A surprising number of "best DSCR lender" listicles imply that NASB will take 660 FICO scores. The NASB DSCR product pages and FAQ make clear that 700 is the floor for standard cases and that 740 is required for the maximum 70% cash-out LTV tier. Going under 700 is generally a different non-QM product, not the DSCR program.

What NASB does NOT publicly disclose

• Specific rate ranges — NASB directs all rate inquiries to "speak with a loan officer"
• Reserves requirement
• Points and fees schedule
• Specific maximum loan amount cap (NASB will go meaningfully above the $175K minimum but does not publish a cap; for thrift-charter exposure-concentration reasons, the practical ceiling per borrower is well under the $3M-$3.5M cap that non-bank securitization-funded peers offer)

This rate-transparency gap is identical to Quontic's. Both FDIC-insured DSCR lenders force the borrower into a loan-officer phone call before quoting. Non-bank peers like Kiavi and Visio Lending provide more rate-shop transparency.

Short-term rental DSCR (Airbnb / Vrbo)

NASB has a dedicated Short-Term Rental DSCR landing page at nasb.com/landing-pages/dscr-adwords-str. Underwriting is similar to the standard DSCR, with the difference being that the qualifying property cash flow is calculated from market STR projections (typically AirDNA or comparable subject-property market data) rather than a long-term-lease-implied rent figure.

DSCR Loans for LLCs

NASB offers a dedicated DSCR loan track for LLC and corporate borrowers at nasb.com/lending/solutions/non-qm-loans/dscr-loans-for-llcs. Same 1.10-1.20x DSCR / 700 FICO / $175K minimum framework; entity-ownership documentation is the primary differentiator (operating agreement, certificate of good standing, EIN, etc.).

3. Origination scale, non-QM positioning, and "Profile Mortgage Solutions"

• Non-QM is approx. 90% of NASB's portfolio — verified across third-party reviews and NASB's own marketing. This is a meaningfully more non-QM-concentrated balance sheet than Quontic Bank, where non-QM is a smaller share of total lending.
• "Profile Mortgage Solutions by NASB" — DBA launched April 7, 2026. This is a strategic non-QM brand consolidation aimed at the broker channel and direct-to-investor traffic. The legal entity, FDIC insurance, OCC supervision, and underwriting remain NASB; "Profile" is the customer-facing brand for the non-QM product line.
• Exit from consumer-direct lending (January 11, 2023). NASB exited the consumer-direct residential mortgage business that had originated loans for sale into the secondary market. CEO Thomas Wagers cited "rapid interest rate increases in 2022, low or shrinking housing inventory, and double-digit median home price increases." Pretax exit charges $3.8M-$4.6M in Q2 calendar 2023. Approximately 11 named layoffs (10 Arizona + 1 Ohio) plus remote terminations in FL, IL, KS, MO, TX. Effective March 7, 2023.
• Strategic implication of the consumer-direct exit: NASB stopped competing in the agency-eligible / GSE-saleable retail mortgage market and refocused on portfolio-retained non-QM. This is a structurally cleaner business — NASB now keeps what it originates, services in-house, and does not depend on secondary-market pricing windows.
• Scotsman Guide ranking visibility: NASB does not appear in the publicly visible Scotsman Guide Top Non-QM Volume snapshot for 2024-2025 — but Scotsman Guide rankings require submission and many bank lenders do not submit, so the absence is not dispositive. [UNVERIFIED] — specific 2024 / 2025 non-QM origination volume number for NASB was not extractable from primary sources without paid Scotsman Guide access.

4. Regulatory history — two CLOSED enforcement orders + one individual prohibition

This is the section most aggregator reviews either skip or whitewash. The honest picture is that NASB had a real enforcement cycle from 2010 through 2014, which it resolved cleanly.

Termination evidence. Per the March 21, 2014 American Banker report and the OCC's contemporaneous press release, NASB was one of 11 banks freed from enforcement actions that week. At the time of termination, NASB reported 16.8% Tier 1 leverage ratio and 24% total risk-based capital ratio as of December 31, 2013 — comfortably above the 10% / 13% minimums imposed by the 2012 order. The bank had also completed the required strategic plan and loan-review reforms.

Aggregator-versus-primary error to correct (#4): A handful of aggregator reviews still list NASB's 2010 OTS Formal Agreement as an "ongoing" enforcement action — referencing data from the OpenSanctions OCC-actions database, which preserves historical entries with start dates but limited update tracking on terminations. As of May 2026, both the 2010 OTS agreement and the 2012 OCC C&D are CLOSED. The 2012 order was publicly terminated by the OCC in March 2014. Treating the 2010 entry as "active" is a misreading of the database.

CFPB record. Per The Mortgage Reports 2026 review, NASB reported no complaints to the CFPB in its most recent reporting period. The CFPB Consumer Complaint Database remains the canonical reference — readers can verify at consumerfinance.gov/data-research/consumer-complaints/search?company=North+American+Savings+Bank before applying.

Civil litigation we surfaced.

• North American Savings Bank, F.S.B. v. Nelson et al (5th Cir. 2024, affirming N.D. Miss. judgment) — NASB as plaintiff, enforcing a $13 million Taylor Bend Delaware-statutory-trust commercial mortgage guaranty against Patrick and Brian Nelson after a COVID-era default. NASB won at trial; Fifth Circuit affirmed. This is a commercial-borrower case, NOT a consumer-class action.
• North American Savings Bank, F.S.B. v. Patrick Nelson et al (C.D. Cal. 8:2025cv02065) — follow-on related litigation. NASB as plaintiff again.
• No consumer class actions surfaced in our research. No TCPA class action. No CFPB consent order. No DOJ qui tam False Claims Act settlement.

This is meaningfully cleaner than Quontic Bank's civil-litigation record (Quontic has an active TCPA class action over June 2019 marketing calls). NASB's only material civil cases are loans it is enforcing as plaintiff, which is structurally favorable from a "is this lender trustworthy" framing.

5. Servicing & securitization

• NASB retains servicing in-house. Per nasb.com/lending/solutions/loan-servicing pages and the post-January-2023 strategic posture, NASB services its own loans rather than sub-servicing through a third party. This is unusual in the post-2020 market where most originators sell servicing rights or use a contracted subservicer.
• NASB is NOT a securitization sponsor. No public KBRA, Morningstar DBRS, S&P Global, Fitch, or Moody's RMBS rating-action reports surfaced under NASB or Profile Mortgage Solutions as issuer or sponsor. NASB's DSCR loans stay on the bank's balance sheet — total assets $2.97B against approximately $2.4B+ in net loans means the bank has meaningful headroom but is not a scale securitization machine like Angel Oak (NYSE:AOMR), Velocity Financial (46 deals / $10.6B lifetime through year-end 2025), Visio Lending (approx. $2B / 11 S&P-rated deals via the Beach Point Trust shelf), or Kiavi (LHOME shelf).
• NASB BUYS non-QM whole loans. Per the Whole Loan Trading page at nasb.com/whole-loan-trading---mortgage-purchases, NASB purchases seasoned and non-seasoned mortgage notes and "scratch and dent" loans either individually or in bulk. This is a portfolio-bank tactic to deploy deposit liquidity into seasoned non-QM paper at attractive spreads — not a securitization business, but it confirms the portfolio-retention orientation.

Strategic implication for the DSCR borrower. A NASB DSCR loan is held to maturity on the bank's balance sheet, serviced in-house by NASB. This means:

1. No mid-loan servicing transfers — the customer experience is consistent from day 1 through payoff.
2. No CMBS / non-QM ABS pricing whiplash in NASB's rate-setting decisions. The rate you get is driven by NASB's deposit-funding cost (1.87B in deposits is a stable funding base) plus the thrift's required risk premium — not by the next securitization window.
3. A real ceiling on max loan size. Where Angel Oak and Kiavi can offer $3M-$3.5M single loans into a securitization pipeline, NASB has to manage thrift-charter loan-concentration rules against a $2.97B balance sheet. Realistic per-borrower exposure is well below the non-bank peers.

6. Leadership

Governance signal — Hancock family control. NASB Financial is a closely controlled, family-influenced thrift holding company. David H. Hancock is the long-tenured chairman; his wife has served on the board since 1995; his son was appointed director explicitly to continue family-succession planning. This is structurally different from Quontic (founded by Steven Schnall + George Lazaridis as a turnaround thrift in 2009, no family-succession dynamic). It is also structurally different from publicly traded scale lenders like Angel Oak Mortgage REIT (NYSE:AOMR) where institutional investors dominate the cap table.

For a borrower, family control of a 1927-founded portfolio thrift is a mixed signal: positive in that incentives align with long-term franchise health rather than next-quarter ABS pricing; cautious in that minority-shareholder governance concerns are real at any closely controlled OTCQX issuer.

7. Borrower reviews

Honest reading of the reviews. Like virtually every mortgage servicer, NASB has a long tail of frustrated customer reviews on Trustpilot, Yelp, and Consumer Affairs. The specific themes — escrow analysis disputes, insurance-payment misapplications, payment-processing errors, modification-request delays — are identical to the complaint patterns at virtually every U.S. mortgage servicer and should not be treated as NASB-specific.

The signals that ARE NASB-specific:

• BBB Accredited since 2008 with A+ — better than Quontic Bank, which is NOT BBB-accredited.
• CFPB complaint count "none reported" in the most recent period — this is a meaningfully positive signal vs the average non-bank DSCR lender.
• Bauer Financial 5 Stars safety/soundness rating — Bauer is conservative and a 5-star rating is real evidence of capital adequacy and asset quality.

8. How NASB compares to Quontic Bank

NASB and Quontic Bank are the two FDIC-insured DSCR lenders in the real-estate-crowdfunding affiliate universe. The comparison matters because they look superficially similar (both federally chartered savings banks, both OCC-supervised, both portfolio-retaining DSCR lenders) but diverge sharply on the dimensions that actually drive borrower outcomes.

Where NASB WINS over Quontic:

• Better capitalized — 14.7% equity to assets vs Quontic's approx. 10%; $436.6M equity vs $85.6M.
• No open regulatory orders. NASB's 2010-2012 enforcement cycle is fully closed. Quontic has three open orders as of May 2026.
• Permanent CEO (Enrique Venegas since Oct 1 2024) vs Quontic's interim CEO going on four years.
• Current OCC CRA PE (August 2020) vs Quontic's stale December 2018 PE.
• No prepayment penalty explicitly disclosed — Quontic does not publicly disclose its prepay structure.
• No active consumer class actions — Quontic has an active TCPA class action.
• BBB Accredited A+ since 2008 — Quontic is NOT BBB Accredited.
• No complaints to CFPB in the most recent reporting period (per The Mortgage Reports).
• Single-source-of-truth servicing in-house, on a larger balance sheet — fewer practical exposure-concentration constraints than Quontic's approx. $580M net loans.

Where Quontic WINS over NASB:

• Foreign national DSCR program at 80% LTV. NASB has none.
• Treasury-certified CDFI status since 2015 — a real LMI-tract underwriting tailwind on Section 8, workforce housing, and Qualified Census Tracts. NASB has no CDFI designation.
• Lower FICO floor (680 vs NASB's 700; 740 NASB requirement for 70% cash-out is restrictive).
• All US states + DC eligible. NASB explicitly excludes NY, Chicago metro, and Baltimore metro.
• First-time investor / first-time homebuyer friendliness — Quontic's underwriting culture is explicitly first-time-friendly. NASB is more conventional credit-strong.
• Bitcoin Rewards Checking for the depositor side — irrelevant for the DSCR borrower, but worth noting for total-relationship banking.
• Lower minimum loan amount. Quontic does not publish a $175K floor — small-ticket urban investors can apply.

Recommendation framing. For a credit-strong (700+ FICO) investor with a $175,000+ loan size in any state outside NY / Chicago metro / Baltimore metro, NASB is the cleaner choice between the two FDIC-insured DSCR lenders. For a foreign-national investor, a Section 8 / LMI-tract investor, a sub-700 FICO borrower, or a $100,000-ticket urban condo investor, Quontic is the structural choice.

9. How NASB compares to Visio Lending

Visio Lending is the #1 non-bank DSCR lender by 2024 Scotsman Guide submitted volume ($854.6M). The comparison clarifies the structural choice between an FDIC-insured portfolio thrift (NASB) and a securitization-funded non-bank scale lender (Visio).

Choose NASB over Visio if: you want FDIC depository regulation, federal OCC prudential supervision, in-house servicing through the life of the loan, no prepayment penalty, and you have 700+ FICO + $175K+ loan size outside the excluded geographies.

Choose Visio over NASB if: you want a sub-1.0 DSCR case-by-case underwrite, lower FICO threshold, faster closing, published rate sheets for comparison shopping, NY / Chicago / Baltimore property eligibility, or scale into multi-property portfolios where the securitization shelf supports it.

The structural choice is the same as Quontic-vs-Visio: regulated depository portfolio retention vs non-bank securitization-funded scale. NASB is the bigger, better-capitalized, less-encumbered version of that "regulated thrift" choice.

10. How NASB compares to Velocity Financial

Velocity Financial (NYSE:VEL) is the securitization-funded non-bank specialist with 46 deals and $10.6B lifetime issuance through year-end 2025. The comparison clarifies what NASB gives up by NOT being a securitization issuer.

The structural takeaway: a NASB DSCR loan is rate-stable through ABS-market dislocations. A Velocity Financial DSCR loan is more competitively priced when the non-QM ABS market is bid, more expensive when it is offered. For a long-hold investor, NASB's deposit-funded portfolio model is the steadier pricing source.

11. Top forensic findings — what aggregators get wrong about NASB

1. "NASDAQ:NASB" is wrong. NASB Financial delisted from Nasdaq in 2014 and trades on OTCQX under symbol NASB. Aggregator content still using "NASDAQ:NASB" is a tell that the review was not updated post-2014.
2. "50-state DSCR" is wrong. NASB explicitly excludes New York state, Chicago metro, and Baltimore metro from DSCR eligibility. Aggregators describing NASB as a nationwide / 50-state lender are wrong.
3. "NASB has open enforcement actions" is wrong. The 2010 OTS Formal Agreement and the May 22, 2012 OCC Consent Order were publicly terminated by the OCC in March 2014. OpenSanctions and other databases preserve historical start dates but do not always update termination status. As of May 2026, NASB has zero open prudential enforcement orders — meaningfully cleaner than Quontic Bank's three open orders.
4. "NASB takes 660 FICO" is wrong for the DSCR program. The DSCR product pages and FAQ are explicit: 700 is the floor for standard cases, and 740 is required for the maximum 70% cash-out LTV tier. The 660 figure that floats around some listicles applies to NASB's FHA business — a different product line entirely, irrelevant for an investor-DSCR comparison.
5. "NASB is a small Missouri thrift" undersells the scale. NASB is a $2.97 billion total-asset, $436.6M-equity, 14.7%-equity-to-assets, $28.7M-FY25-net-income federal savings bank. That is larger and better-capitalized than Quontic Bank on every balance-sheet dimension. NASB is also the OTCQX-listed parent of a 1927-founded continuously operating Missouri thrift — not a recent acquisition like Quontic (formed in 2009 from the acquisition of Golden First Bank).

12. Risk factors a borrower should price

Five non-obvious risks worth honest disclosure:

1. Family-controlled OTCQX-listed thrift. The Hancock family (Chairman David H. Hancock; wife on the board since 1995; son Patrick appointed via explicit succession planning) controls a closely held thrift holding company on the OTCQX. Governance is family-led rather than institutional-investor-driven. This cuts both ways — long-tenured family franchise focus vs minority-shareholder governance concerns.
2. Geographic exclusions (NY / Chicago metro / Baltimore metro) materially limit usefulness for investors in those markets. A borrower with a Brooklyn brownstone purchase cannot use NASB DSCR financing.
3. Cash-out LTV is restrictive. 70% cash-out requires 740 FICO; everything else caps at 60%. For a refinance-cash-out-into-the-next-deal investor strategy, this is materially tighter than Visio Lending's cash-out flexibility.
4. No foreign-national DSCR program. Foreign-national investors should go to Quontic Bank (80% LTV foreign national program) or Velocity Financial.
5. 2010 OTS / 2012 OCC enforcement cycle is closed, but it was real. The OTS examination of January 11, 2010 found unsafe or unsound banking practices. The 2012 OCC C&D imposed minimum 10% Tier 1 / 13% total risk-based capital ratios — meaningful constraints. NASB recapitalized to 16.8% / 24% by Dec 31 2013 and was released in March 2014, but a borrower considering a 30-year amortization decision deserves to know the pre-2014 history honestly.

13. Who NASB is the right fit for

Apply to NASB if you are:

• A credit-strong investor (700+ FICO) with a loan size $175,000 or higher, financing a property outside New York state, Chicago metro, and Baltimore metro.
• A borrower who values FDIC depository regulation, OCC prudential supervision, and a fully closed enforcement history more than the LMI-tract or foreign-national specialization of Quontic Bank.
• An investor who wants no prepayment penalty — a real differentiator versus the step-down structures at non-bank DSCR peers.
• A long-hold buy-and-hold investor who values in-house servicing and rate stability uncorrelated to non-QM ABS market spreads.
• A borrower comfortable with a 30-45 day closing rather than needing Kiavi-speed AI underwriting.
• A borrower who wants to deal with a 1927-founded, $2.97B-asset, 14.7%-equity-to-assets, BBB A+ Accredited federal savings bank with a Bauer Financial 5-Star rating and zero open regulatory orders.

Look elsewhere if you are:

• A borrower in New York, Chicago metro, or Baltimore metro — NASB excludes these geographies.
• A foreign national — go to Quontic Bank (80% LTV) or Velocity Financial (65% LTV).
• A sub-700 FICO borrower — Quontic Bank (680), Kiavi (660-680), or Visio Lending (680) are more flexible.
• A first-time investor wanting cultural / underwriting first-timer friendliness — Quontic Bank is the structural choice.
• A Section 8, workforce housing, or LMI Qualified Census Tract investor — Quontic's CDFI designation creates an underwriting tailwind that NASB cannot match.
• A $3M+ single-loan-size investor — go to Velocity Financial (NYSE:VEL), Angel Oak Mortgage REIT (NYSE:AOMR), or Kiavi.
• A sub-$175K loan amount investor — NASB's minimum is too high outside the Kansas City exception zone.
• A cash-out-into-next-deal investor needing more than 60% cash-out LTV without a 740 FICO — Visio Lending's cash-out flexibility is materially better.
• A rate-shopper who wants to compare published rate sheets — NASB does not publish rates publicly.

14. FAQ

Verdict

NASB is the cleaner of the two FDIC-insured DSCR lenders on most structural dimensions that matter. The bank is a 1927-founded Missouri thrift with $2.97 billion total assets, 14.7% equity-to-assets, zero open regulatory enforcement orders, a permanent CEO (Enrique Venegas, since October 1, 2024), a current 2020 OCC CRA "Satisfactory" rating, a BBB A+ Accredited record since 2008, a Bauer Financial 5-Star safety-and-soundness rating, no recent CFPB consumer complaints, no active consumer class actions, no prepayment penalty on the DSCR product, and portfolio-retention plus in-house servicing through the life of the loan. The 2010-2014 enforcement cycle was real (OTS Formal Agreement April 2010, OCC Consent Order May 2012, both requiring elevated capital ratios and a written strategic plan) and is fully closed as of March 2014. The pricing for that structural safety is real too: NASB will not lend in New York state, the Chicago metropolitan area, or the Baltimore metropolitan area; the FICO floor is 700 (740 for the 70% cash-out tier); the minimum loan is $175,000; foreign nationals have no program; rates are not published; and bank-charter exposure-concentration rules limit the practical per-borrower loan size below what Angel Oak and Kiavi can write.

For a credit-strong investor with a $175K+ loan size in any state outside NY / Chicago / Baltimore who values FDIC depository regulation, OCC prudential supervision, in-house servicing, no prepayment penalty, and a recovered-and-clean regulatory record, NASB is structurally the cleanest FDIC-insured DSCR loan in the U.S. market. We rate it 3.8 / 5 — a half-point higher than our 3.6 / 5 rating on Quontic Bank, driven by the better capitalization, the cleaner regulatory record (zero open orders vs three), the permanent CEO, and the more recent CRA Performance Evaluation. The half-point we hold back reflects the geographic exclusions, the absence of a foreign-national program, the 740 FICO requirement for the maximum cash-out tier, the lack of published rates, the closely held Hancock-family governance, and the genuine but closed 2010-2014 enforcement history that any honest reviewer should disclose.

No affiliate relationship. No compensation if you fund a loan. This is a forensic review written for the credit-strong DSCR investor weighing two FDIC-insured options against five-to-seven non-bank peers.

Sources

Primary — institutional / regulatory:

• FDIC BankFind — North American Savings Bank, FSB Certificate #29708
• OCC CRA Performance Evaluation, August 17, 2020 (Charter #703927)
• OCC enforcement-actions database
• OTS Supervisory Agreement, North American Savings Bank FSB (97370.pdf)
• OpenSanctions — North American Savings Bank, FSB enforcement record
• American Banker — OCC frees 11 banks from enforcement actions (March 2014)
• FFIEC CRA Ratings database

Primary — corporate / financial:

• NASB Financial Inc 2025 Annual Report (OTC Markets)
• NASB Financial Q1 FY2026 results (May 6, 2026 press release)
• NASB Financial Q4 FY2025 net income $8.3M $1.15 EPS
• NASB Financial — Retirement of CEO Thomas B. Wagers + appointment of Enrique Venegas
• NASB Financial — Resignation of CEO Paul Thomas (March 25, 2022)
• NASB Financial — Director changes / Patrick Hancock appointment
• NASB Financial — Exit from Consumer Direct Lending (January 11, 2023)
• American Banker — NASB exits consumer direct home lending
• HousingWire — North American Savings Bank shuts down consumer direct division
• OTC Markets — NASB Financial overview / market data

Primary — product:

• NASB DSCR Loan product page
• NASB DSCR Loan FAQs
• NASB DSCR Loans for LLCs
• NASB Short-Term Rental DSCR landing page
• NASB Portfolio Loan product page
• NASB Non-QM Mortgage Rates page
• NASB Whole Loan Trading / Scratch and Dent Purchases
• NASB Leadership page
• NASB Investor Relations

Secondary — reviews / context:

• Wikipedia — North American Savings Bank
• The Mortgage Reports — NASB Mortgage Review for 2026
• Bankrate — NASB Review 2025
• DepositAccounts — NASB Reviews and Rates
• BBB Profile — NASB Kansas City
• BBB Complaints — NASB Kansas City
• Trustpilot — nasb.com
• Consumer Affairs — NASB Reviews
• Scotsman Guide — 2025 Top Non-QM Volume (rankings index)
• CFPB Consumer Complaint Database — NASB search
• Justia — NASB v. Nelson 5th Cir. 2024 (Taylor Bend commercial guaranty)

Related on CrowdfundedWealth:

• Best DSCR Loan Lender 2026: Forensic Comparison
• Quontic Bank DSCR Review 2026 — the other FDIC-insured DSCR lender
• CFBank DSCR Review 2026 — the third FDIC-insured DSCR option (0.75 floor)
• DSCR Loan Calculator 2026 — interactive 10-lender qualification map
• DSCR Loan Rates 2026 — forensic primary-source rate study
• Visio Lending Review 2026
• Velocity Financial Review 2026 (NYSE:VEL)
• 1st Security Bank DSCR Review 2026 — the fourth FDIC-insured DSCR bank
• DSCR Loan vs Conventional Mortgage 2026 — when each loan wins
• How to Refinance a DSCR Loan in 2026 — seasoning + prepayment-penalty math
• Farm Bureau Bank DSCR Review 2026 — the fifth FDIC-insured DSCR bank (loanDepot JV)