NBKC Bank Mortgage Review 2023
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At a glance
Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing; and, in the Kansas City metro area only, home equity lines of credit (HELOC), home equity loans, construction and renovation loans
Available in all U.S. states
Min. credit score required
620 for conventional loans; 680 for jumbo loans; 620 for FHA loans; 620 for VA loans
Pros and cons
- Loans and services available nationwide, with easy online application process
- Excellent customer service and fast response rate from loan officer
- Onsite origination, processing, underwriting, closing and funding
- $5,000 closing guarantee
- Doesn’t offer USDA or mobile home loans
- No down payment assistance programs
- Only four brick-and-mortar locations (around the greater Kansas City area)
NBKC Bank overview
NBKC Bank is an online and brick-and-mortar lender, established in 1999, that provides a variety of mortgage options, including conventional and government-insured loans, refinancing and home equity loans. In addition to home loans, NBKC Bank offers traditional banking products and services as well as other types of loans. For in-person applications, NBKC Bank has four brick-and-mortar locations: Kansas City, Missouri; Liberty, Missouri; Leawood, Kansas and Overland Park, Kansas.
NBKC Bank is good for
Borrowers looking for an entirely online application process, fast prequalification and preapproval and excellent customer service
Breakdown of NBKC Bank overall score
- Affordability: NBKC Bank’s mortgages rates are in line with Bankrate’s averages. The bank charges a flat fee of $250 for most loans, but there’s no fee for VA borrowers.
- Availability: This bank has a small physical footprint, but it lends in all 50 states. It has a diverse set of loan offerings for different kinds of borrowers.
- Borrower experience: You can initiate a request for a rate quote and apply for a mortgage via the NBKC website, and its loan officers are available on weekends.
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.
NBKC Bank’s mortgage rates are comparable to Bankrate’s averages. The bank ended a marketing program with warehouse retailer Costco, so all borrowers now get the bank’s lowest fee of $250 (with the exception of VA borrowers, who still pay no fees).
NBKC Bank provides conventional loans, FHA and VA loans, construction loans and home equity loans. The bank has just four physical branches, but it does business nationally.
Borrower experience: 5/5
NBKC Bank has been in business for more than 20 years. It is accredited by the Better Business Bureau and has an A+ rating from the organization.
NBKC Bank offers borrowers the option to get prequalified and preapproved for a mortgage online. To get prequalified, you’ll need to provide basic personal information like your employment history. You’ll also need to provide details about the purchase price and type of home, the loan amount and down payment. If you provide the required information, you could get prequalified the same day, and preapproved within 24 hours. You can also apply for a home loan entirely online.
If you have questions about a loan, NBKC Bank is available Monday through Friday from 8 a.m. to 8 p.m. CT and weekends 8 a.m. to 5 p.m. CT.
Refinancing with NBKC Bank
You can refinance your current mortgage with NBKC. You’ll need to complete an online form for a rate quote and an estimate of costs.
Alternatives to NBKC Bank
- Allied Mortgage Group review – Offers specialty loan products like interest-only mortgages or loans for self-employed borrowers, but not available in every state
- Ally Bank mortgage review – Another lender with a streamlined application process, but no government loans
- Orchard Mortgage review – A broker and lender available in a handful of states
NBKC Bank consumer reviews
About consumer ratings
Customer service rating
96% of reviews would recommend this lender
0 of 0 rates honored
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Erik J. Martin
Erik J. Martin is a Chicago area-based freelance writer/editor whose articles have been featured in AARP The Magazine, Reader’s Digest, The Costco Connection, The Motley Fool and other publications. He often writes on topics related to real estate, business, technology, health care, insurance and entertainment.