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NBKC Bank Mortgage Review 2026
Last updated on June 11, 2026
Written by
Lead Writer & Content StrategistCo-written by
Contributing EditorWritten by
Lead Writer & Content StrategistCo-written by
Contributing EditorMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
4.5
Home loans overall
NerdWallet rating
The Nerdy headline:
NBKC stands out for its competitive interest rates and fees. While NBKC is primarily an online lender, its app does not have mortgage features and chat support is not geared toward mortgage borrowers. Most likely to appeal to borrowers in the Kansas City area, as well as VA borrowers.
Jump to:Full Review
Great for: first-time home buyers | digital convenience | customer service
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA
Pros
- Competitive interest rates and fees.
- Offers most common loan types, as well as a handful of specialty loans.
- Payouts are available to borrowers whose loans don’t close on time.
Cons
- Seeing rates requires entering personal information.
- Does not offer renovation loans or construction loans.
- Mobile app is not geared toward mortgage borrowers.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
4.5 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: NBKC mortgage options
NBKC is a community bank based in Leawood, Kansas. Mortgages are available nationwide.
NBKC offers most common mortgage types, as well as a few harder-to-find mortgages. However, you won’t find renovation loans, USDA loans or construction loans.
🏠 Common mortgages
- Conventional loans (fixed-rate and adjustable)
- Refinancing (rate-and-term and government)
- Jumbo loans
- FHA loans
- VA loans
🔑 Specialty loans
- Mortgages for second homes
- Non-QM loans
- Mortgages for borrowers without Social Security numbers (ITIN loans)
💵 Home equity
• HELOCs
• Home equity loans
• Cash-out refinance
NBKC special offers and discounts
NBKC offers a close-on-time guarantee, which pays out $5,000 (split between you and the seller) if the loan doesn’t close on time.
What does NBKC specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages NBKC handles most often.
Conventional loans are the most common, but NBKC issues a good amount of VA loans, too. VA loans accounted for more than a quarter of the lender’s mortgage originations last year.
How we score NBKC Bank’s home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
NBKC Bank earned a 4.5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Average
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Good
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Good
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored NBKC Bank’s home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
NBKC mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow and we contacted the lender’s customer support.
Zillow Mortgage Lender Customer Rating
4.94
out of 5
Excellent rating as of the date of publication.
Rating reflects more than 15,000 customer reviews.
NBKC mortgage customer service options
Here’s how you can get in touch with NBKC. While customer service is available through all of these avenues, you may not necessarily get in touch with a mortgage officer.
Ways to reach NBKC
Physical branches . . . . . . ✅
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . ✅
Online chat (bot) . . . . . . . ✅
Online chat (human) . . . . ✅
» MORE: How to apply for a mortgage
🤓 Our Nerds say... chat options are limited
Taylor Getler, lead writer, mortgages
NBKC has some branches in the Kansas City area, but the bank is primarily an online lender. While NBKC has a mobile app, representatives from the bank reported that it doesn’t have mortgage features. Similarly, while NBKC offers chat support with both bots and live agents, we were told that it was only for retail banking when we began asking mortgage-related questions.
Alternatives to an NBKC mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
VA borrowers should check out Navy Federal Credit Union, which was our pick for Best VA Lender in 2026. Borrowers enticed by NBKC’s competitive interest rates and fees may be a fit for Andrews Federal Credit Union, which also offers low combined rates and fees relative to competitors.
Finally, borrowers interested in an online-only lender may want to explore loan options from Better.
» MORE: Best mortgage lenders
NerdWallet writer Isabella Angelos contributed to this story.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.