# NBH Bank

> **Canonical URL:** https://saferate.com/lenders/nbh-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NBH Bank is a bank, headquartered in Greenwood Village, CO, serving borrowers across 33 states, with 1,058 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300T7AIY7RU1YDP31
- **Headquarters:** Greenwood Village, CO
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, KS, KY, LA, MA, MN, MO, MT, NC, NE, NH, NM, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, WV, WY
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.278%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,475
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,058
- **Dollar Volume:** $395 million
- **Applications Received:** 1,503
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,138
- **Average Borrower Income:** $153,027
- **Average Property Value:** $519,064

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 639 | +0.332% | $1,559 | Strong 😀 |
| FHA | 77/100 | 229 | +0.366% | $1,134 | Strong 😀 |
| VA | 75/100 | 138 | -0.383% | $1,627 | Strong 😀 |
| Jumbo | 71/100 | 42 | +0.460% | $1,465 | Strong 😀 |
| USDA | 47/100 | 10 | +0.394% | $496 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 553 loans, Score: 68/100 (Strong)
- Refinance: 86 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 222 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 132 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 38 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 955 | $360M | +0.271% | Strong 😀 |
| Refinance | 57/100 | 103 | $35M | +0.328% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 345 | 0.41% | 77/100 |
| KS | 341 | 1.14% | 87/100 |
| MO | 133 | 0.18% | 65/100 |
| TX | 86 | 0.02% | 55/100 |
| UT | 38 | 0.08% | 53/100 |
| WY | 23 | 0.37% | 54/100 |
| ID | 15 | 0.06% | 43/100 |
| NM | 13 | 0.06% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 362 | 70/100 |
| Colorado Springs, CO | CO | 164 | 78/100 |
| Kansas City, MO | MO-KS | 127 | 69/100 |
| Topeka, KS | KS | 83 | 77/100 |
| Denver | CO | 80 | 63/100 |
| Dallas | TX | 39 | 53/100 |
| Lawrence, KS | KS | 29 | 63/100 |
| Greeley, CO | CO | 11 | 43/100 |
| St. Joseph, MO | MO-KS | 10 | 43/100 |

## Where This Lender Ranks

NBH Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Colorado Springs, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Topeka, KS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lawrence, KS for FHA Loans
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Lawrence, KS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lawrence, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Topeka, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Lawrence, KS for VA Loans
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Colorado for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Colorado Springs, CO Banks
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks)
- 🥉 **#3** in Topeka, KS for FHA Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Lawrence, KS Banks
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks)
- 🏆 **#5** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🏆 **#6** in Kansas for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Colorado Springs, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Colorado Springs, CO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Lawrence, KS
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders)
- 🏆 **#7** in Lawrence, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in St. Joseph, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does NBH Bank offer?

NBH Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NBH Bank offer mortgages?

NBH Bank offers mortgages in 33 states: AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, KS, KY, LA, MA, MN, MO, MT, NC, NE, NH, NM, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, WV, WY.

### How competitive are NBH Bank's mortgage rates?

NBH Bank has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.278% above market average.

### What type of lender is NBH Bank?

NBH Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Greenwood Village, CO.

### What is NBH Bank's loan approval success rate?

NBH Bank has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nbh-bank

### How to Cite

> "NBH Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nbh-bank

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