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304 North Cardinal St.
Dorchester Center, MA 02124

NBKC Bank Mortgage Review – U.S. News 2024 Award Winner

2024 Award Winner: Best Mortgage Lender

NBKC Bank received top marks across all our categories, earning a perfect score for customer service. It offers competitive terms on a wide array of mortgage products, providing conventional, jumbo, FHA and VA loans in all 50 states. NBKC backs its efficient online process with a $5,000 close-on-time guarantee.

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NBKC Bank originates purchase, refinance and home equity loans, including:

  • Conventional loans.
  • Fixed- and adjustable-rate mortgages.
  • Loans backed by the Federal Housing Administration and the Department of Veterans Affairs.
  • FHA refinance.
  • FHA Streamline Refinance loans.
  • Construction loans.
  • Home loans for pilots.

You will have to look elsewhere for jumbo loans and USDA loans.

Borrowers will follow NBKC Bank’s four-step mortgage process:

1. Apply for the loan you want either online or by phone. Use NBKC Bank’s short or long application, the latter being more detailed, or call 800-375-8096 to apply. An NBKC Bank loan professional will contact you after you have applied.

2. Deliver loan documents. Borrowers receive documents by overnight delivery or electronically, and then signed documents and loan information are returned to NBKC Bank.

3. Complete appraisal and title work. An appraisal is ordered from a licensed appraiser familiar with home values in your area. If your loan is for a home purchase, NBKC Bank will work with the seller or broker to order title work and confirm the legal status of the property using the title insurance policy.

4. Close on the loan. Closing is scheduled at a title company or an attorney’s office in your area after NBKC Bank receives all documents. An advisor will contact you before closing to walk through the final details.

NBKC Bank does not publish online updated mortgage terms, fees and conditions. The bank, however, confirmed that lender fees are $0 on VA loans.

You can request a rate quote online from the lender: Click the View Rates button on the homepage under Home Loans.

Borrowers can also obtain a mortgage prequalification to estimate what they can afford and a mortgage preapproval to find out how much financing NBKC Bank can offer.

NBKC Bank promotes a $5,000 Close-On-Time Guarantee that pays you and the seller each $2,500 if your loan does not close on time. You must be buying a home, your loan must be approved and funded, and your closing date must be scheduled more than 30 days out from when the lender will receive your signed purchase agreement.

Qualifications vary based on the loan you choose.

The minimum credit score to qualify for a loan from NBKC Bank is 620. Having a good credit score will likely mean a better interest rate for your home loan, according to the lender.

NBKC Bank does business in all 50 states and has brick-and-mortar branches in the Kansas City metro area.

NBKC Bank has an A+ rating with the Better Business Bureau and is BBB-accredited. Trustpilot gave NBKC Bank 4.5 out of 5 stars, an excellent rating, based on 115 reviews. The Consumer Financial Protection Bureau didn’t receive any complaints about NBKC Bank in 2022.

Home loan support is available by email, chat or phone. For help obtaining a home loan or refinancing a mortgage, call 800-375-8096 from 9 a.m. to 8 p.m. Eastern Time Monday through Friday or email [email protected]. If you have mortgage servicing questions, call 855-230-0480 from 9 a.m. to 6 p.m. ET Monday through Friday or email [email protected].

Click the chat bubble you will see at the bottom left of every webpage for help from 9 a.m. to 8 p.m. ET Monday through Friday, except on holidays.

Borrowers should send notices of error or information requests to Attention: Mail Stop NOE1290, 1 Corporate Drive, Suite 360, Lake Zurich, IL 60047.

Borrowers can receive an initial rate quote, get prequalified or preapproved, and complete the full mortgage application process online. You will be assigned a loan officer who can help answer questions and guide you through the mortgage process.

  • People seeking VA loans without lender fees.
  • People based in the Kansas City area who would like to use a brick-and-mortar branch.

Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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