NBKC Bank Mortgage Review 2021

Written by
Edited By

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

At a glance

NBKC Bank

NMLS: 409631

4.5

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

Bankrate Score

Find your mortgage match

Get paired with your best mortgage offers in 2 minutes or less.

Find my best matches
Mortgage percent icon

Loans offered

Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing; home equity line of credit (HELOC), home equity loan; construction and renovation loans
Location Icon

Nationwide availability

Available in all U.S. states
Credit good icon

Min. credit score required

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

Pros and cons

Pros

  • 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
  • 4.9 out of five average customer rating (based on over 5,500 reviews)

Cons

  • 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 (available 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.

Good for

Borrowers looking for an entirely online application process, fast prequalification and preapproval and excellent customer service

Loan types

  • Conventional
  • Jumbo
  • FHA
  • VA
  • Fixed-rate
  • Adjustable-rate
  • Rate-and-term, cash-out and streamline refinancing
  • Home equity line of credit (HELOC)
  • Home equity loan
  • Construction and renovation loans

Lender fees

NBKC Bank’s lender fees vary by loan type. The lender charges a $675 origination fee for most loans and no origination fee for VA loans. Costco members are eligible for up to $400 off the origination fee and lower rates.

Rates

NBKC Bank doesn’t advertise its home loan rates publicly online, but you can obtain rates specific to your situation through its website by providing answers to a few questions, such as the estimated value of the home, your estimated down payment and which state your home is located in.

Reputation

NBKC Bank is accredited by and has an A+ rating from the Better Busines Bureau, along with 4.87 stars out of five based on more than 1,300 reviews. The lender has 2.5 stars out of five from Trustpilot, but based on only a few reviews.

Online services 

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 and places you’ve lived. 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, and won’t have to step into a brick-and-mortar location to complete the application process. The entire process, after getting preapproved, typically takes 30 days to complete.

Should you have any questions, you can reach out to an NBKC Bank team member by phone, email or chat. According to its chat function, you normally receive a response over chat within five minutes. Representatives are available by phone and via chat Monday through Friday, 8 a.m. to 7 p.m. CT, except on major holidays.

Through NBKC Bank’s website, you can access handy tools such as a mortgage calculator and a calculator to help you figure out how much you would save on interest by refinancing. Other free online resources include guides on buying a home, how to improve your credit and a mortgage glossary.  

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) and a minimum down payment of 3 percent.

Refinancing with NBKC Bank 

NBKC Bank offers rate-and-term, cash-out and streamline refinancing. To obtain current refinance rates, you’ll need to enter some information online. You’ll receive refinance rate quotes for a 15- or 30-year fixed loan, or a 5/1 adjustable-rate mortgage (5/1 ARM).

Not sure if NBKC Bank is right for you? Consider these alternatives

Breakdown of NBKC Bank overall review score

  • Affordability: 14.75/15
  • Availability: 19/20
  • Borrower experience: 8/10

Review methodology

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.

Find your mortgage match

Get paired with your best mortgage offers in 2 minutes or less.

NBKC Bank consumer reviews

4.9

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

109 reviews

5 stars
4 stars
3 stars
2 stars
1 stars
103
3
1
0
2

Customer service rating

Knowledge
4.9
Level of service
4.9
Professionalism
4.9
Responsiveness
4.9

96% of reviews would recommend this lender

3 of 3 rates honored

Review this lender

Write a review of your experience with NBKC Bank.

3 of 3 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.

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

NBKC is amazing!

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

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

Would use them again.

MHK | Colorado | 1/11/2021

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

Refi Choice Provider - NBKC

Dom D | Colorado 80027 | 11/4/2020