NBKC Bank Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores NBKC Bank Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
97%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
NBKC lends nationally, but some of its best perks are limited to the Kansas City metro, where it’s based. Its NBKC Local program gives income-qualified first-time buyers in the KC area up to $2,000 toward a down payment plus another $1,000 toward closing costs. Nationwide, about 74% of the mortgages it originated in 2025 were priced below comparable loans, and its close-on-time guarantee pays $2,500 each to the buyer and seller if the loan doesn’t close by the agreed date.
All of this comes with strong service to match: NBKC has no CFPB complaints in 2025. However, it doesn’t offer USDA loans, and about 10% of its approved loans don’t reach closing. It is important to note that a closing can fall through for reasons beyond a lender’s control, such as an applicant walking away, but it’s still worth understanding NBKC’s closing process before you sign any paperwork.
At a glance
NBKC is a good fit for borrowers who want down payment help and live in the Kansas City metro, where most of its assistance programs focus. It’s not the strongest fit if you need a USDA loan, since NBKC doesn’t offer them.
What consumers say
Summary: NBKC Bank reviewers generally note a team that is easy to reach and a loan officer considered clear in explaining each step. A smaller share address the closing, rating it equally favorably as occurring on time. No complaint recurs with regularity.
As usual, a wonderful and easy experience!
We have used NBKC many times over the past 20 years. Every time the experience was easy and enjoyable. I would absolutely recommend NBKC for VA loans or streamline re-financing. If you are looking for a VA loan, contact Dan an NBKC!!! He will help quickly and send the best info for you to make the best choice for your needs! DAN was fantastic to work with every time!!
Cory C. · Arkansas
Scott Andrew is great!
I purchased my home with Scott Andrew through NBKC originally and had wonderful experiences and many years later Scott Andrew helped me refinance! He is great!
Amy y. · Texas
Best Service
A fantastic experience with impeccable communication and professionalism in handling the numbers; the total clarity provided instilled confidence throughout the entire process. Mark’s team delivers excellence in everything they do.
RICARDO · Florida
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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