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finder.com’s rating: 3.7 / 5.0
★★★★★
NBKC is a VA lender with easy online access and competitive rates. It offers VA home loans nationwide despite only having physical agents in the greater Kansas City area.
620
Minimum credit score
3%
Minimum down payment (Conventional)
Available in all states
State availability
Loan products offered | Conventional, Refinance, VA, FHA, Home equity (limited availability) |
---|---|
Minimum credit score | 620 |
Minimum down payment (Conventional) | 3% |
State availability | Available in all states |
Review by
Heather Petty is a personal finance writer at Finder, specializing in home and personal loans. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing and analysis has been featured on MSN, Credit.com and MediaFeed, among other top media. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She earned a BA in English with a minor in journalism from the University of Nevada, Reno.
NBKC is good for veterans in all 50 states, and offers a completely online application. But if you’re looking for in-person support and don’t live in Kansas City, you’ll need to look elsewhere.
NBKC Bank is not currently available on Finder
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NBKC Bank has a great reputation for its VA loan, because it offers loans nationwide and doesn’t charge lender fees on VA loans. It also offers an on-time closing guarantee that can help make your offer more attractive to sellers.
The bank’s biggest drawback is its limited service areas. NBKC talks up its ability to finance VA and FHA loans nationwide, but it can only offer home equity products and construction loans to the Kansas City metro area.
Unfortunately, its website may also be an issue. There are very few details about the bank’s home loan programs, which means you have to either call customer service or go through the preapproval process to know enough about the loans to compare them to what other providers offer.
NBKC gives you a guaranteed closing date as soon as the loan documents are received. That guarantee means if the mortgage doesn’t close on that date, the bank pays both you and the seller $2,500. NBKC’s close-on-time guarantee can make your offer more attractive to sellers who want a quick closing.
NBKC doesn’t list specific requirements for its loans, but you typically must meet the following standards to be eligible for a loan:
Like most banks, NBKC doesn’t provide details about its mortgage fees, but these are the typical fees you can expect to pay unless you’re a veteran:
NBKC is accredited by the Better Business Bureau (BBB) and has an A+ rating for answering 44 complaints over the last three years, 21 of which have been closed in the last 12 months. As of August 2022, the bank has 1,473 customer reviews, averaging 4.84 out of 5 stars. Its ranking is considerably lower on Trustpilot, where only 19 customer reviews contribute a TrustScore of 2 out of 5 stars.
Online customer reviews praise loan consultants for personalized service, prompt responses and expertise. However, a few negative reviews say their closing process was slow and delayed.
NBKC prides itself on its straightforward application process, with four main steps:
Gather the following documents before you apply:
The NBKC website offers almost no details surrounding its mortgage products, so these loan program descriptions are general and based on what most banks typically offer.
You’ll need to shop around to find the right lender for you. And you can start by using our table of providers. Select See rates to get a personalized rate based on your personal financial information, or select More info to read our review. Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
NBKC Bank is not currently available on Finder
Have you considered Rocket Mortgage?
Apply online for free and lock in your rate for 90 days.