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NBKC Bank

Bank•Kansas, KSHQ•Direct•Reviews near you on Google

We analyzed every closed loan from NBKC Bank — 7.4k loans across 12k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 49 mkts
Promptness
Mediocre
1/5
No reply within 4+ business days
Safe Rate Awards
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

NBKC Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 16.7 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume5,099
Mix69.3%
Spread
-0.070%Below
Fees
$560Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume445
Mix6.0%
Spread
+0.105%Above
Fees
$1,186Fees
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume1,742
Mix23.7%
Spread
-0.693%Below
Fees
$339Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume71
Mix1.0%
Spread
+0.212%Above
Fees
$382Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume6,041
Mix82.1%
Spread
-0.169%Below
Fees
$606Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,316
Mix17.9%
Spread
-0.160%Below
Fees
$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
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 592Mix 8.05% of portfolio
82/100
Exceptional
2© Joe Mabel · CC BY-SA 3.0
Bremerton, WAMetro
Volume 62Mix 0.84% of portfolio
73/100
Strong
3© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 157Mix 2.13% of portfolio
68/100
Strong
4© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 72Mix 0.98% of portfolio
66/100
Strong
5© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 125Mix 1.70% of portfolio
65/100
Strong
6© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 176Mix 2.39% of portfolio
65/100
Strong
7© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 94Mix 1.28% of portfolio
65/100
Strong
8© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 93Mix 1.26% of portfolio
64/100
Strong
9© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 147Mix 2.00% of portfolio
64/100
Strong
10© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 136Mix 1.85% of portfolio
63/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 378Mix 5.14% of portfolio
83/100
Exceptional
Missouri
Missouri
2
MissouriState
Volume 500Mix 6.80% of portfolio
74/100
Strong
Washington
Washington
3
WashingtonState
Volume 331Mix 4.50% of portfolio
74/100
Strong
Texas
Texas
4
TexasState
Volume 666Mix 9.05% of portfolio
72/100
Strong
North Carolina
North Carolina
5
North CarolinaState
Volume 434Mix 5.90% of portfolio
70/100
Strong
South Carolina
South Carolina
6
South CarolinaState
Volume 214Mix 2.91% of portfolio
70/100
Strong
Georgia
Georgia
7
GeorgiaState
Volume 319Mix 4.34% of portfolio
69/100
Strong
Virginia
Virginia
8
VirginiaState
Volume 247Mix 3.36% of portfolio
69/100
Strong
Florida
Florida
9
FloridaState
Volume 461Mix 6.27% of portfolio
67/100
Strong
New Jersey
New Jersey
10
New JerseyState
Volume 180Mix 2.45% of portfolio
67/100
Strong
Showing 10 of 50 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.