NBKC Bank; Alyssa Powell/Business Insider
- NBKC Bank offers conforming, jumbo, FHA, and VA mortgages.
- The lender is a good option if you value convenience; it has live online chat and shows customized rates.
- NBKC Bank could be a good fit if you have a strong credit score.
- See Insider’s picks for the best mortgage lenders »
Should you get a mortgage with NBKC Bank?
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NBKC Bank mortgage interest rates
NBKC has a thorough, easy-to-use feature for seeing a customized interest rate on home purchases and refinances. Enter the value of the home you want to buy, down payment, state, and credit score to see your estimated interest rate.
NBKC shows rates for 30-year fixed, 15-year fixed, and 5/1 adjustable mortgages. It provides your interest rate, APR, monthly principal and interest payment, and lender fees. You’ll see several columns with different numbers; the numbers vary depending on how many discount points you’d use at closing.
The website is more in-depth than what most lenders provide, and you’ll get a good idea of what you’ll pay should you go through NBKC.
NBKC rates are competitive with the national averages on the Federal Reserve website, so you’ll likely get a good rate with this lender.
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The minimum credit score and down payment listed are for conforming mortgages |
How NBKC Bank works
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:
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, home equity loans, or HELOCs.
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 8:00 a.m. to 7:00 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+ in trustworthiness. 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.
How NBKC Bank compares to similar lenders
We’ve compared NBKC to two other lenders available in all 50 states: Fairway and Rocket Mortgage.
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Fairway |
Quicken Loans |
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Types of home loans Conforming, jumbo, FHA, VA |
Types of home loans Conforming, jumbo, FHA, USDA, VA, reverse, renovation |
Types of home loans Conforming, jumbo, FHA, VA |
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Alternative credit data No |
Alternative credit data Yes |
Alternative credit data No |
NBKC Bank review vs. Fairway review
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 review vs. Rocket Mortgage review
Rocket Mortgage gives you a lot of term length options, with terms as short as eight years. The lender has ranked as the top lender for customer satisfaction from JD Power for 11 consecutive years, so it has strong customer service.
But Rocket Mortgage’s online rates are a little higher than the national averages on the Federal Reserve website, while NBKC Bank’s are a little lower. Still, it might be worth applying for preapproval for both so you can compare exact rates.
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
Laura Grace Tarpley is an editor at Personal Finance Insider, covering mortgages, refinancing, bank accounts, and bank reviews. She is also a Certified Educator in Personal Finance (CEPF). Over her four years of covering personal finance, she has written extensively about ways to save, invest, and navigate loans.
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