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NBKC BANK
Bank|KANSAS, KS|National
Loans Originated
7,357
Applications
11,507
Volume
$3 billion
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.167%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$560
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.9%
Percentage of applications that result in closed loans
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
Report Card
NBKC BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$419,223
Average Borrower Income
$170,887
Average Property Value
$540,361
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 5,099 | 69.3% | -0.070% | $560 |
FHA Loans | Strong | Strong | Exceptional | Sound | 445 | 6.0% | +0.105% | $1,186 |
VA Loans | Exceptional | Exceptional | Exceptional | Strong | 1,742 | 23.7% | -0.693% | $339 |
Jumbo Loans | Sound | Strong | Sound | Sound | 71 | 1.0% | +0.212% | $382 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Exceptional | Sound | 6,041 | 82.1% | -0.169% | $606 |
Refinance | Strong | Strong | Exceptional | Sound | 1,316 | 17.9% | -0.160% | $368 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 592Mix: 8.05%
Place Specialization
Exceptional
2
Bremerton, WAMSA
Volume: 62Mix: 0.84%
Place Specialization
Strong
3
Charlotte, NC-SCMSA
Volume: 157Mix: 2.13%
Place Specialization
Strong
4
Charleston, SCMSA
Volume: 72Mix: 0.98%
Place Specialization
Strong
5
Arlington, VA-WVMSA
Volume: 125Mix: 1.70%
Place Specialization
Strong
6
Houston, TXMSA
Volume: 176Mix: 2.39%
Place Specialization
Strong
7
Raleigh, NCMSA
Volume: 94Mix: 1.28%
Place Specialization
Strong
8
Las Vegas, NVMSA
Volume: 93Mix: 1.26%
Place Specialization
Strong
9
Chicago, ILMSA
Volume: 147Mix: 2.00%
Place Specialization
Strong
10
Dallas, TXMSA
Volume: 136Mix: 1.85%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
KSState
Volume: 378Mix: 5.14%
Place Specialization
Exceptional
2
MOState
Volume: 500Mix: 6.80%
Place Specialization
Strong
3
WAState
Volume: 331Mix: 4.50%
Place Specialization
Strong
4
TXState
Volume: 666Mix: 9.05%
Place Specialization
Strong
5
NCState
Volume: 434Mix: 5.90%
Place Specialization
Strong
6
SCState
Volume: 214Mix: 2.91%
Place Specialization
Strong
7
GAState
Volume: 319Mix: 4.34%
Place Specialization
Strong
8
VAState
Volume: 247Mix: 3.36%
Place Specialization
Strong
9
FLState
Volume: 461Mix: 6.27%
Place Specialization
Strong
10
NJState
Volume: 180Mix: 2.45%
Place Specialization
Strong
Showing 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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