Our Story

Built on Trust. Shaped by History. Focused on What’s Next.

Since 1927, North American Savings Bank (NASB) has helped individuals and families navigate some of life’s biggest financial decisions—through changing markets, economic uncertainty, and evolving needs.

What started as a local savings and loan has grown into a national financial institution. But one thing hasn’t changed: we exist to help customers move forward with confidence. Today, that means going beyond standard products—delivering solutions built for real-world financial situations, especially when traditional paths fall short.

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Where It All Began

NASB traces its roots to the early 1920s, when the City Building and Loan Association was founded by a group of entrepreneurs committed to expanding access to homeownership.

Founder James Pendergast served alongside future U.S. President Harry S. Truman during World War I—connecting NASB’s origins to a pivotal moment in American history.

In 1927, the organization moved to Kansas City and became North American Savings Association—laying the foundation for decades of growth, service, and resilience.

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Who We Serve

We work with customers across the country, including:

• Savers who value competitive returns and personal service
• Homebuyers and homeowners looking for flexible mortgage options
• Self-employed borrowers with complex income profiles
• Real estate investors building long-term wealth

Our approach is simple: understand the full picture, then deliver the right solution.

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What Makes NASB Different

Not all banks are built the same.

At NASB, we’ve built our reputation by leaning into complexity—especially in mortgage lending—while maintaining the service and accountability of a relationship-driven bank.

Specialized Lending Expertise

We’re a national leader in conventional and non-QM lending, helping borrowers who may not qualify through traditional channels find paths forward. 

Real Flexibility

From bank statement loans to DSCR and investor financing, we look beyond checkboxes to understand each borrower’s full financial story.  

Personal Service at Scale

While we operate nationally, we stay grounded in a service-first culture—treating customers like people, not account numbers.  

A Long-Term Perspective

With nearly a century of experience, we’ve guided customers through every type of market cycle—and we’re built to keep doing it.

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By the Numbers

• Founded: 1927 
• Headquarters: Kansas City, Missouri 
• Assets: $3+ billion 
• National Lending Footprint
• Decades of Mortgage Innovation & Expertise

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Our Mission

With personal service and genuine care, we help customers nationwide reach their unique real estate borrowing and savings goals.

Our Vision

When trust and service matter most, NASB will be the first choice for customers seeking rewarding savings deposits and real estate loans that fit their unique financial needs and goals.

Our Promise

Trust your dreams to us.

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Looking Ahead

The financial landscape continues to evolve—and so do the needs of our customers.

At NASB, we’re focused on expanding access, simplifying complex financial paths, and delivering solutions that meet people where they are.

Because no matter how much changes, our purpose stays the same:

Helping you move forward—on your terms.