NBKC Bank has conforming, FHA, VA, and construction loans, mortgages for pilots, and HELOCs.
NBKC Bank; Alyssa Powell/Business Insider
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The bottom line: NBKC Bank Mortgage is a worthwhile option if you have a good credit score. It’s an especially strong choice for those looking for a convenient online experience, since it lets you easily apply online.
Overall lender rating
FeatureInsider rating (out of 5)Loan types3.5Affordability4Customer satisfaction3.5Trustworthiness 5Total4
Pros and cons
ProsCons
Easily apply online
Customize rates without having to provide contact information
Unique mortgage program for pilots
Offers HELOCs, but they’re only available to those in the Kansas City metro areaDoesn’t accept non-traditional credit
NBKC Bank mortgage interest rates and fees
To get a rate estimate, you’ll plug some information into NBKC’s rates calculator, including the home price, your down payment amount, and the state your the home is located in.
Not all lenders charge application, underwriting, processing, or origination fees. NBKC charges a flat $750 fee that covers all of these services, though.
NBKC Bank vs. Fairway Independent Mortgage Corporation
NBKC Bank
Fairway
Types of home loans
Conforming, FHA, VA, construction, mortgages for pilots, HELOC
Types of home loans
Conforming, jumbo, FHA, USDA, VA, reverse, renovation
Alternative credit data
No
Alternative credit data
Yes
NBKC Bank MortgageFairway Independent Mortgage
Fairway is probably the better fit if you have a low credit score, or none at all. It lets you apply with alternative credit data, like utility bills, rather than show your credit score when you apply for preapproval. You may also like Fairway if you need a USDA mortgage, reverse mortgage, or renovation loan. NBKC doesn’t offer these types of home loans.
NBKC has longer customer service hours, though, and it has live online chat. If customer support and convenience are important to you, you may like NBKC.
NBKC Bank vs. Rocket Mortgage
NBKC Bank
Quicken Loans
Types of home loans
Conforming, FHA, VA, construction, mortgages for pilots, HELOC
Types of home loans
Conforming, jumbo, FHA, VA
Alternative credit data
No
Alternative credit data
No
NBKC Bank MortgageRocket Mortgage by Quicken Loans
Rocket Mortgage gives you a lot of term length options, with terms as short as eight years. The lender ranked as the top lender for customer satisfaction from J.D. Power for 11 consecutive years, and it ranked No. 2 in 2021.
NBKC could be the better fit if you’re building your own home, since Rocket Mortgage doesn’t offer construction loans.
How NBKC Bank mortgages work
NBKC Bank has branches in the Kansas City area, both in Kansas and Missouri. But for the most part, it’s an online mortgage lender. It provides loans to residents of all 50 US states.
You can get the following types of home loans through NBKC:
ConformingFHAVAFixed-rateAdjustable-rateConstruction loansMortgages for pilots
You can refinance into a fixed-rate or adjustable-rate mortgage, or do a cash-out refinance. You may also streamline refinance your FHA or VA mortgage.
NBKC does not provide USDA mortgages, reverse mortgages, construction loans, or home equity loans. It does offer HELOCs, but only in the Kansas City metro area.
NBKC could be a good fit if you have a solid credit score. Some lenders let you apply with alternative forms of credit, like proof that you pay your bills on time, if you have a low or no credit score. But NBKC requires a credit check when you apply for preapproval.
To contact customer support about getting a mortgage or refinancing, call Monday through Friday from 8 a.m. to 7 p.m. CT. NBKC also has a live online chat feature.
Is NBKC Bank trustworthy?
NBKC doesn’t have any current public scandals. The Better Business Bureau gives NBKC Bank an A+ rating. A great BBB score signals that a company is honest in its advertising, is transparent about business practices, and responds effectively to customer complaints.
A strong BBB score doesn’t necessarily guarantee you’ll have a great experience with a company, though. You may want to look at online reviews and ask family and friends for their opinions when choosing a mortgage lender.
NBKC Bank mortgage FAQ
Is NBKC Bank reputable?
Yes, NBKC has an A+ from the Better Business Bureau. It is an FDIC-insured bank and an Equal Housing Lender. As an Equal Housing Lender, NBKC is held to certain standards regarding discrimination in lending by the Department of Housing and Urban Development (HUD).
Is NBKC Bank a direct lender?
Yes, NBKC is a direct mortgage lender. This means it originates its own home loans, whereas a mortgage broker connects you with multiple lenders to find the best fit.
Mortgage and refinance rates by state
You can see a personalized mortgage or refinance rate on the NBKC website. Compare it to rates in your state below:
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming