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We analyzed every closed loan from Nbkc Bank — 7.4k loans across 12k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
National · 49 mkts
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Offers rates 16.70 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Nbkc Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 16.7 bps below market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,099 | 69.3% | -0.070%Below | $560Fees | ||||
FHA Loans | 445 | 6.0% | +0.105%Above | $1,186Fees | ||||
VA Loans | 1,742 | 23.7% | -0.693%Below | $339Fees | ||||
Jumbo Loans | 71 | 1.0% | +0.212%Above | $382Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,041 | 82.1% | -0.169%Below | $606Fees | ||||
Refinance | 1,316 | 17.9% | -0.160%Below | $368Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,357
Applications
11,507
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
-0.167%
vs. market APOR
Avg Net Fees
$560
Origination − Credits
Pullthrough Rate
63.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$419,223
Avg Borrower Income
$170,887
Avg Property Value
$540,361
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 592Mix: 8.05%of portfolio
Place
Exceptional2
Bremerton, WAMSA
Volume: 62Mix: 0.84%of portfolio
Place
Strong3
Charlotte, NC-SCMSA
Volume: 157Mix: 2.13%of portfolio
Place
Strong4
Charleston, SCMSA
Volume: 72Mix: 0.98%of portfolio
Place
Strong5
Arlington, VA-WVMSA
Volume: 125Mix: 1.70%of portfolio
Place
Strong6
Houston, TXMSA
Volume: 176Mix: 2.39%of portfolio
Place
Strong7
Raleigh, NCMSA
Volume: 94Mix: 1.28%of portfolio
Place
Strong8
Las Vegas, NVMSA
Volume: 93Mix: 1.26%of portfolio
Place
Strong9
Chicago, ILMSA
Volume: 147Mix: 2.00%of portfolio
Place
Strong10
Dallas, TXMSA
Volume: 136Mix: 1.85%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
KSState
Volume: 378Mix: 5.14%of portfolio
Place
Exceptional2
MOState
Volume: 500Mix: 6.80%of portfolio
Place
Strong3
WAState
Volume: 331Mix: 4.50%of portfolio
Place
Strong4
TXState
Volume: 666Mix: 9.05%of portfolio
Place
Strong5
NCState
Volume: 434Mix: 5.90%of portfolio
Place
Strong6
SCState
Volume: 214Mix: 2.91%of portfolio
Place
Strong7
GAState
Volume: 319Mix: 4.34%of portfolio
Place
Strong8
VAState
Volume: 247Mix: 3.36%of portfolio
Place
Strong9
FLState
Volume: 461Mix: 6.27%of portfolio
Place
Strong10
NJState
Volume: 180Mix: 2.45%of portfolio
Place
StrongShowing 10 of 50 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.