NBKC Bank Mortgage Review 2025

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-backed loans, refinancing and home equity loans. Notably, the bank’s nbKC Local program provides down payment and other assistance to low- and moderate-income first-time buyers in the Kansas City metro area.

Pros and cons of NBKC Bank

How Bankrate scored NBKC Bank

Affordability: 3.4/5

NBKC Bank doesn’t display current mortgage rates on its website, but it does offer some help with closing costs to certain borrowers. The bank scores 3.4 out of 5 stars for affordability.

• Interest rates: It can be harder to compare mortgage rates from NBKC Bank, as it doesn’t showcase current offers on its website. You might find lower rates elsewhere.
• Down payment: NBKC offers VA loans with no down payment, FHA loans with 3.5 percent down and conventional loans with just 3 percent down. If you’re eligible, the bank also offers up to $2,000 in down payment assistance.
• Closing costs: NBKC’s origination fee varies by loan type, with a $250 flat fee for conventional loans. Some borrowers might qualify for up to $1,000 toward closing costs, too.

Availability: 5/5

NBKC Bank offers several mortgage loan types and is available nationwide. It scores a perfect 5 out of 5 stars for availability.

• Home loans offered: NBKC offers conventional, jumbo, FHA and VA purchase and refinance options.
• Footprint: NBKC mortgages are available to qualified borrowers in all U.S. states.
• Where to find: You can apply for a mortgage with NBKC Bank online, by phone or in person at one of four branches in Kansas City, Missouri; Liberty, Missouri; Leawood, Kansas and Overland Park, Kansas.

Borrower experience: 4.3/5

NBKC Bank gets high marks due to its tech and many points of contact. However, the lack of upfront transparency around current rate offers nets it 4.3 out of 5 stars for borrower experience.

• Preapproval and application process: You can start the preapproval process with NBKC online, over the phone or in person at a branch location. As is standard for preapprovals, you’ll need to submit to a credit check and provide proof of income and assets.
• Transparency: In order to receive a customized rate quote, NBKC requires you to fill out a lead form on its website, which will then put you in contact with a loan officer.
• Customer service: You can reach NBKC’s customer service team at 800-375-8096 Monday through Friday from 9 a.m. to 8 p.m. ET.

NBKC Bank reputation

NBKC Bank has been in business for more than 20 years. As of the time of this review, it’s accredited with the Better Business Bureau and has an A+ rating, with a 4.75 out of 5 stars from over 400 customer reviews. It also maintains a 4.8 out of 5-star rating on TrustPilot.

What consumers say about NBKC Bank

On Bankrate, borrower reviews for NBKC Bank are largely positive, with most remarking on the bank’s responsiveness and professionalism. Many also stated they would recommend the bank to others, saying they were happy with the level of knowledgeable service they received.

Refinancing with NBKC Bank

NBKC Bank offers both rate-and-term and cash-out refinancing options.

How to apply for a mortgage with NBKC Bank

You can apply for a mortgage with NBKC Bank in person at a branch location, online or by phone at 800-375-8096.

• Methodology

  To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:

  • Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%

  • Availability: Loan products - 50%; licensing - 40%; credit score - 10%

  • Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)

  Learn more about our methodology.