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#4

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NBKC Bank

9.0

star star star star star_half

Quick Look at NBKC Bank

  • Costco Members: Up to $400 Off
  • Highest-Rated Bank for Mortgage Lending
  • Cuts Closing Costs
  • 4.9/5 Customer Rating
  • Min. Credit Score: 620
  • Track Loans Online

No matter where you go to check reviews, you’ll find NBKC Bank at, or near, the top of the lists of best mortgage lenders.

The highly rated bank started in Kansas City, hence the name National Bank of Kansas City (NBKC). Since its inception in 1999, NBKC Bank has expanded its online mortgage lending platform to the entire nation and has been met with enormous success.

Because of the high volume of mortgages it provides, along with its ability to lower overhead costs through centralized operations and advanced fintech, NBKC Bank is able to provide very low closing costs and fees.

We highly recommend every potential customer consider NBKC Bank, especially for Costco members. We also encourage every customer to compare NBKC to the best mortgage lenders on TopMortgageLenders.com.

Do Customers Like NBKC Bank?

Customers love NBKC Bank. In fact, NBKC Bank is the highest-rated bank if we look solely at the customer review score.

With over 410 customer reviews (as of April 2021), NBKC has earned a 4.9 out of 5 star ranking from previous customers on Best Company, a site that checks and verifies each customer. This verification ensures that fake reviews are found and screened.

Most positive NBKC reviews highlight two important aspects of NBKC Bank’s service: excellent loan officers and the awesome discounts reserved for Costco members.

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NBKC Bank Mortgage Rates & Fees

This company is able to cut fees by essentially making the customer acquisition and mortgage process cheaper for themselves, allowing them to transfer savings to customers through lower fees.

Though the fees will depend on which type of loan you get, we do know that NBKC charges a $675 fee for origination, with up to $400 off for Costco members.

Of course, the low fees from NBKC are even better for those seeking a VA loan — the highly rated mortgage lender does not charge an origination fee for VA loans. Additionally, NBKC has received a 5/5 rating from NerdWallet for both low fees and its ability to get customers a low mortgage rate.

NBKC Bank Mortgage Requirements

Again, the requirements (like the rates) depend on the type of mortgage loan you’re trying to get. But, the minimum required credit score for a conventional mortgage is 620.

It will also be extremely helpful for you to get preapproved, which requires a set of financial documents in order to prove your financial preparedness for a loan.

NBKC Bank Customer Service

NBKC Bank might have the best customer service in the entire mortgage industry. Customers rarely complain about the lender’s loan process, which is traditionally a stressful and daunting task for borrowers, especially first timers.

The fact that customers that are likely spending the most they’ve ever spent in their lives are thanking the company after receiving their loan means that NBKC Bank is doing something wonderful in customer service.

It seems that NBKC Bank has its qualified and helpful loan officers to thank for the majority of their positive reviews. Of course, the ease of the loan process plays a large role in the positive customer experience at NBKC, but low rates and fees are likely one of the biggest factors.

For example, one customer praises the company, “They are very thorough with paperwork so have all your paperwork in order. Chad was great helping me ,I got a great rate and reasonable closing costs. very happy !”

We have every confidence in NBKC Bank’s customer service quality.

Our Recommendation

NBKC Bank is by far one of the best choices for first-time customers. But perhaps the borrowers who would benefit the most from NBKC’s mortgage loan process are Costco members, as they can receive up to $400 their origination fee.

Additionally, NBKC is one of the most popular and well-liked companies in the industry according to its own customers. The company rarely receives a negative review and when they do, they NBKC is quick to resolve the issue.

How We Rank

We employ a qualified mortgage expert to rank and review mortgage lenders.

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