NBKC Bank
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About NBKC Bank
NBKC Bank Synopsis
Review Summary: NBKC Bank is an online bank with only a handful of physical locations in Missouri. In addition to conventional mortgages and refinancing, NBKC also offers basic banking services. It is highly rated for its customer service.
Recommended for: NBKC Bank is a good option for those comfortable with an online experience with available phone support.
Pros and Cons of NBKC
Pros
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Mortgages available in all 50 states
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Highly-rated customer service
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Easy online application process
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Discount on loan origination fees for Costco Members
Cons
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Limited branch locations
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No down payment assistance programs
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No USDA loans or loans for mobile homes
NBKC Bank Reviews
| Consumer Review Platform | Rating |
|---|---|
| Better Business Bureau | A+ Rating; 4.7/5 Stars with 569 Reviews |
| Credit Karma | 4.8/5 Stars with 785 Reviews |
| BestCompany | 4.9/5 Stars with 428 Reviews |
| Trustpilot | 4.8/5 Stars with 427 Reviews |
NBKC Bank Full Review
Overview
NBKC Bank is a full-service online bank with only physical locations in Missouri: Kansas City, Liberty, Leawood, and Overland Park.
While the mortgage application process is entirely online, it reportedly has a fast prequalification process. And it receives high praise for its customer service.
NBKC offers a wide range of home loans for both new purchases and refinancing.
NBKC offers personal and business banking services. It also offers services to fintech companies.
NBKC Mortgage Options
NBKC offers the following types of home loans:
- Conventional mortgages
- Home refinancing
- Home equity loans
- Home equity line of credit (HELOC)
- VA loans
- FHA loans
- Jumbo loans
- Fixed-rate mortgages
- Adjustable-rate mortgages
- Construction and renovation loans
NBKC also offers traditional banking products such as checking accounts, savings accounts, credit cards, and personal loans.
NBKC Mortgage Application Process
The NBKC mortgage application process is 100% online, but applicants can call for assistance at any time.
Applicants are able to skip to any place in the application and even pause the application to return back to it at another time.
All necessary documents are loaded through its online portal. Once the application is submitted, applicants can track the progress online or with the app.
In order to qualify for a mortgage with NBKC, these are the credit scores that are required, depending on the loan:
- 620 for conventional loans
- 680 for jumbo loans
- 620 for FHA loans
- 820 for VA loans
NBKC Mortgage Rates and Fees
NBKC mortgage loan fees vary depending on the loan. The origination fee for most loans is $675, but it does not charge an origination fee for VA loans. NBKC offers a discount to Costco members.
Perspective borrowers can access rates through NBKC’s rate calculator. It offers rates on both 30-year fixed and 15-year fixed mortgages.
NBKC mortgage rates are competitive compared to other lenders.
NBKC Bank Company Information
NBKC Bank is based out of Kansas City, Missouri. It first started as Horizon National Bank in 1999. It changed its name to the National Bank of Kansas City in 2004. It was rebranded as NBKC Bank in 2015.
NBKC is a nationwide bank, but it only has physical locations in Missouri.
Reviews last updated: 4/1/24. (Reviews are typically updated monthly.)
Ratings last updated: 12/4/23. (Ratings are typically updated quarterly.)
Our Methodology
Mortgage companies are evaluated based on six factors that we believe are important for consumers: years in business, number of products offered, customer service availability, state licensing footprint, Better Business Bureau (BBB) Ratings, and the inclusion of a mobile application. Please find a full description of our rating system here.
This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement.
Address: 8320 Ward Parkway Kansas City, MO 64114
NMLS# 409631
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