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NBKC Bank Mortgage Review 2022

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At a glance

NBKC Bank

NMLS: 409631

4.0

Rating: 4 stars out of 5
  • Star
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Bankrate Score

Mortgage Percent

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

Nationwide Availability

Available in all U.S. states

Credit Good

Min. credit score required

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

Pros and cons

Checkmark 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

Close X 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. 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 has 2.6 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. 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. After getting preapproved, the process 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. (Via chat, you can expect to receive a response within five minutes.) Representatives are available 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: 3.5/5
  • Availability: 4.3/5
  • Borrower experience: 4.3/5

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.

NBKC Bank consumer reviews

logo

NMLS: 409631

4.9

Rating: 4.9 stars out of 5

109 reviews

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

About consumer ratings

Hover for more

Customer service rating

Knowledge
Rating: 4.9 stars out of 5
4.9
Level of service
Rating: 4.9 stars out of 5
4.9
Professionalism
Rating: 4.9 stars out of 5
4.9
Responsiveness
Rating: 4.9 stars out of 5
4.9

96% of reviews would recommend this lender

0 of 0 rates honored

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Write a review of your experience with NBKC Bank.

Written by

Erik J. Martin

Contributing writer

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.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor