NBKC Bank Mortgage Review 2020

By Erik J. Martin

About our reviews

Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

NBKC Bank

NMLS: 409631

Bankrate Score

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3.9

User reviews
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( 104 )

4.9

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.

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
It also offers rate-and-term refinancing and cash-out refinancing.

Nationwide availability

Available in all U.S. states

Minimum credit score

620 for conventional fixed-rate mortgages; 620 for FHA loans; 620 for VA loans; 680 for jumbo mortgages

Loan types

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

Pros

  • Online loans and services available nationwide, with easy online application process
  • Excellent customer service and fast response rate from loan officer
  • On-site 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, Missouri area)

Find your mortgage match

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NBKC Bank overview

Loan types

  • Conventional fixed-rate and adjustable-rate mortgages
  • FHA and VA fixed-rate loans
  • Jumbo fixed-rate loans
  • Refinancing including rate-and-term refinancing and cash-out refinancing

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).

Get started with NBKC Bank

Borrowers can apply in person at one of four branch locations (two in Kansas City, Missouri; one in Leawood, Kansas; and one in Overland Park, Kansas), online or by phone.

Hours

Call center: Monday - Friday, 7 a.m. - 7 p.m. CST Branch locations: Monday - Friday, 9 a.m. - 5 p.m. CST Contact: 888-905-2165

NBKC Bank consumer rating and reviews

4.9 reviews
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96% recommended

Customer Service Rating

Knowledge
4.9
Level of service
4.9
Professionalism
4.9
Responsiveness
4.9
0 out of 0 rates honored
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(104 reviews)
5 Star
4 Star
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2 Star
1 Star
99
2
1
0
2

The 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.

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Showing 10 of 103 Reviews
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P.Murray
Spring, Texas.

10/9/2019

Excellent service

Our loan was dealt with by Herb Mason who was excellent to work with. He dealt with the whole process professionally and dealt with an queries promptly and was easy to communicate with. Would definitely recommend both the loan officer and the company to anyone who is thinking of using them.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Happy NBKC Customer
Billings, MT

10/13/2019

Great Experience

The entire processes went smoothly and without any unexpected last minute findings. We worked with Jay Arnold as our loan officer and he did a fantastic job communicating what to expect, what we needed to do, and was always extremely responsive. We would certainly recommend this process and Jay to...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Eric
Chicago, IL

10/17/2019

Good Experience!

Our refinancing with Scott Benson was a very good experience. He was professional and kept us informed every step of the way. The closing was a quick turnaround and an easy process. I would definitely recommend Scott and NBKC Bank.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Jordan
Denver

10/17/2019

Great experience

Matt Crall and the team at NBKC had great rates and were able to close in less than 30 days for us. Wonderful experience all around.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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peace and tranquility
N. White Plains, NY 10603

10/18/2019

exceptional service

My loan officer was Aaron Terhune, he went above and beyond to help us obtain our first mortgage, very reposonsive and even answered on his weekend off, now that's exceptional service, he addressed all our concerns, we closed promptly on our dream home, the process went so smooth even my real estate...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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JJ
Livermore, Ca

10/21/2019

Overall Great Experience

Whole process was smooth, quick, and most importantly no surprises at the end. Easy online process.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Ayan T
New Jersey

10/22/2019

Great experience!

Sharon was fantastic! From start to finish she walked me thru everything. Being a first home buyer, she was extremely patient & informative. Honestly felt as if she was always in the best of my interest. Truly amazing & I recommend Sharon to anyone looking to buy or invest. She’s awesome!!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Shawn
Dallas, GA

10/23/2019

Great Experience

I just had the pleasure of working with Joe Street and his amazing team. They made the whole process of buying a home so easy. Joe is an excellent communicator and delivers on his promises of all the dates during the process. He also has a optimistic personality towards any problem. I really enjoyed...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Dolan Family
California

10/23/2019

Efficient, transparent, fast experience

Mike was our lender from NBKC he started the process by calling and gathering information about our refinance. He delivered loan estimates at our request and didn't go around in circles when we asked for the lower rates or modifications. He delivered efficiently and transparently all the options d...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Thomas P. Gagliardi
Henderson Nevada

10/23/2019

Spectacular Service!

The team at NBKC Bank was just great! They did a great job working with me the customer to move the loan process steadily forward.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
No
Mortgage closed:
Yes
Closed on time:
Yes