# NBKC BANK

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


NBKC BANK is a bank, headquartered in KANSAS, KS, serving borrowers nationwide, with 7,357 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 213800XR2TCBQJSF1X93
- **Headquarters:** KANSAS, KS
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.167%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $560
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,357
- **Dollar Volume:** $3.1 billion
- **Applications Received:** 11,507
- **Market Share:** 21.00%

## Typical Borrower Profile

- **Average Loan Amount:** $419,223
- **Average Borrower Income:** $170,887
- **Average Property Value:** $540,361

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 5,099 | -0.070% | $560 | Strong 😀 |
| FHA | 73/100 | 445 | +0.105% | $1,186 | Strong 😀 |
| VA | 88/100 | 1,742 | -0.693% | $339 | Exceptional 🤩 |
| Jumbo | 72/100 | 71 | +0.212% | $382 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,988 loans, Score: 76/100 (Strong)
- Refinance: 1,111 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 376 loans, Score: 73/100 (Strong)
- Refinance: 69 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 1,614 loans, Score: 88/100 (Exceptional)
- Refinance: 128 loans, Score: 82/100 (Exceptional)

**Jumbo:**
- Purchase: 63 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 6,041 | $2.5B | -0.169% | Exceptional 🤩 |
| Refinance | 76/100 | 1,316 | $545M | -0.160% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 666 | 0.19% | 72/100 |
| MO | 500 | 0.67% | 74/100 |
| FL | 461 | 0.16% | 67/100 |
| NC | 434 | 0.29% | 70/100 |
| KS | 378 | 1.26% | 83/100 |
| CA | 342 | 0.12% | 64/100 |
| WA | 331 | 0.39% | 74/100 |
| GA | 319 | 0.23% | 69/100 |
| VA | 247 | 0.23% | 69/100 |
| IL | 223 | 0.18% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 699 | 71/100 |
| Kansas City, MO | MO-KS | 592 | 82/100 |
| Houston | TX | 176 | 65/100 |
| Charlotte | NC-SC | 157 | 68/100 |
| Chicago | IL | 147 | 64/100 |
| Dallas | TX | 136 | 63/100 |
| Arlington | VA-WV | 125 | 65/100 |
| Atlanta | GA | 121 | 62/100 |
| Denver | CO | 118 | 62/100 |
| St. Louis, MO | MO-IL | 99 | 63/100 |
| Phoenix | AZ | 98 | 58/100 |
| Portland | OR-WA | 97 | 62/100 |
| Raleigh | NC | 94 | 65/100 |
| Las Vegas | NV | 93 | 64/100 |
| Austin | TX | 84 | 62/100 |

## Where This Lender Ranks

NBKC BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Kansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Denver for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Las Vegas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Seattle for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Bremerton Banks
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks)
- 🥇 **#1** in Bremerton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Bremerton for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Frederick for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in New Hampshire for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Montgomery County for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Newark, NJ for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Anchorage, AK Banks
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/banks)
- 🥇 **#1** in Anchorage, AK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Jacksonville, NC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-nc/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Norwich for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in United States for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Kansas City, MO for VA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Kansas for VA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Georgia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does NBKC BANK offer?

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

### Where does NBKC BANK offer mortgages?

NBKC BANK is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are NBKC BANK's mortgage rates?

NBKC BANK has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.167% below market average.

### What type of lender is NBKC BANK?

NBKC BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in KANSAS, KS.

### What is NBKC BANK's loan approval success rate?

NBKC BANK has a pull-through score of 59/100 (Sound). 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/nbkc-bank

### How to Cite

> "NBKC BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nbkc-bank

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