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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( 107 )

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)

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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).

Other mortgage lender reviews:

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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(107 reviews)
5 Star
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1 Star
101
3
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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 69 Reviews
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Melissa & Dennis Rose
Portland, Or

12/10/2019

No Surprises

Zach delivered as promised; streamlined the process and made life easier. Thank you to Zach & nbkc

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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Idan
07039

12/16/2019

Smooth experience with Mike Y at NBKC

Thanks Mike for the prompt and courteous service throughout

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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Tony Scangarello
New Jersey

12/27/2019

Great experience

Communications was the key, and Cheryl did a great job keeping me advised every step of the way.

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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KM
WA

1/7/2020

Positively great experience

Matt H. took excellent care of my husband and I during our refi. He saved us from a bad loan, saving us over 1% in interest and hundreds in our monthly payment. He was readily available via phone or email and it was ridiculously way to apply and submit paperwork. We'd recommend NBKC to anyone.

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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Gail H
Palmer, Alaska

1/14/2020

Very pleased!

Matt Crall was timely, honest, and a pleasure to work with. Gail Homer

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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Marcos
Florida

1/15/2020

Excellent experience

Thanks Scott for a great and smooth experience. Scott went out of his way to make the loan process quick and we were able to close in less than 3 weeks.

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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RAP
Oregon

1/17/2020

Great communication and overall experience

We have successfully closed on several homes/refinancings over the past 10 years and the bank staff and our loan officer Ronald Mills were top notch. Mr. Mills worked closely with us to keep everything on track, even over the long winter holiday break. We were able to close on time with a great rate...

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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Bill Looney
Atlanta, GA

1/22/2020

Painless Process - Excellent Communication

I worked with Joe Street of NBKC bank to obtain a mortgage for our new home. At each step of the process, from the initial negotiation, to the final closing Joe made sure everything was a painless as possible. This included the use of on-line tools to share the necessary financial information and o...

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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Dev Moses
Charlotte NC

1/22/2020

Excellent Service and Great Experience

Thank you Mark Quinn for your professional communication, excellent knowledge on products and great service. You have made my loan refinance process very smooth. I am glad I have contacted NBKC. Highly recommended .

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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Barry
Sioux Falls, SD

1/22/2020

Splendid!

Excellent rates, even better fees and great customer service to boot!!

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