NBKC Bank Mortgage Review 2021

By Erik J. Martin

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

At a glance

NBKC Bank

NMLS: 409631

4.0

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Loans offered

Conventional fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA and VA fixed-rate loans, jumbo fixed-rate loans, construction loans; refinancing options include rate-and-term refinancing and cash-out refinancing; home equity loans
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Nationwide availability

Available in all U.S. states
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Min. credit score required

620 for conventional loans; 620 for FHA loans; 620 for VA loans; 680 for jumbo loans

Pros and cons

Pros

  • Online 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 guarantee: Your loan closes on time or you and seller get $2,500 each
  • 4.9 out of 5 average customer rating (based on over 7,500 customer reviews)

Cons

  • Doesn’t offer USDA loans
  • Down payment assistance programs not available
  • Doesn’t offer loans on mobile homes
  • 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 that was established in 1999. NBKC Bank provides a variety of mortgage options and loans for homebuyers, including:

  • Conventional fixed-rate and adjustable-rate mortgages (ARMs)
  • FHA and VA fixed-rate loans
  • Jumbo fixed-rate loans
  • Rate-and-term refinancing and cash-out refinancing
  • Home equity loans (available currently to Kansas City-area borrowers only)
  • Construction loans (available currently to Kansas City-area borrowers only)
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.

Loan types

  • Conventional fixed-rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • FHA fixed-rate loans
  • VA fixed-rate loans
  • Jumbo fixed-rate loans
  • Construction loans
  • Rate-and-term refinancing
  • Cash-out refinancing
  • Home equity loans

Lender fees

NBKC Bank lender fees vary by loan type. The lender charges a $675 origination fee for most loans and a $0 origination fee for VA loans. Costco members are eligible for up to $400 off the origination fee.

Minimum borrower requirements

NBKC Bank adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, as well as those backed by the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA).

For conventional loans, key requirements include good credit (typically a FICO score of 620 or higher). Depending on the loan, a minimum down payment of 3 percent is required (zero down for VA loans).

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NBKC Bank consumer reviews

4.9

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109 reviews

5 stars
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103
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Customer service rating

Knowledge
4.9
Level of service
4.9
Professionalism
4.9
Responsiveness
4.9

96% of reviews would recommend this lender

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10 of 10 reviews

The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Great Company

Tim Hoth | Portland, OR | 5/18/2020

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Steam Rolled Over Any Issues

W. Mitchell | New Hill, NC | 5/20/2020

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Above and beyond!

Kim D. | Golden, CO | 5/27/2020

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Great bank

Joshua Russell | Grand Junction, Colorado | 6/26/2020

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Professional, efficient refinance!

Marja Frankson | Arizona | 8/3/2020

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Best mortgage experience I have had!

Zachariah L. | AZ | 10/2/2020

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NBKC Stress-free experience

Lauren | KS | 10/15/2020

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NBKC is amazing!

Jason Puckett | Basehor, KS | 12/18/2020

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Would use them again.

MHK | Colorado | 1/11/2021

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Refi Choice Provider - NBKC

Dom D | Colorado 80027 | 11/4/2020