With nbkc as your mortgage lender, you’ll have one point of contact guiding you all the way. We offer purchase, refinance and VA loans nationwide—in fact, we’re a Top 25 VA lender by purchase volume (and we’re pretty proud of it). We’re upfront about costs – no sneaky fees. You’ll be hard-pressed finding another lender with rates as consistently low as ours, or with the 16-year average tenure our loan officers have. We rely heavily on customer referrals in lieu of spending millions on advertising – with lower costs, we can offer better rates. We want your repeat business, and you feeling you had white-glove service throughout the entire process. It’s why we’ve earned such extraordinary customer reviews, and why we made glassdoor’s Best Places to Work nationwide in 2019 – it starts from within.
Be sure to check out our reviews online to see for yourself what sets nbkc apart from other lenders.
Over a six week period, I continually corrected Matt for not using my legal name. By the Final Review of the mortgage documents, I told him the 4th time to address me as @#$ or I’ll refuse to notarize the paperwork. After a brief email exchange that appeared unprofessional and a bit threatening, he agreed. I certainly hope NBKC reviews this matter with him.
We selected this company because of the low rates and closing costs. Our refinance agent initially was efficient and knowledgeable in the initial stages of the refinancing process. However, after providing numerous financial documents as requested, our answers to our questions became sparse and incorrect and at one point the agent confused us with another family with the same last name. Since we had refinanced in the past we were familiar with the process so we had specific questions that would either go unaddressed or incorrectly answered. Needless to say we were frustrated however we had invested a great amount of time in obtaining and providing our financials and to turn back was futile since the interest rates were increasing dramatically. Needless to say we pressed on and hoped for the best. At the closing, the notary had to reschedule the time to meet since the agent had not completed all of the companies documents to close. We were eventually able to close. After everything has been finalized, this agent has sent us a group of checks with the names of the companies and banks for the final payoffs dollar amounts. Yes, we apparently have to pay off the individual companies and banks ourselves, which is highly unorthodox and something we have never experienced in the past. Normally, the refinancing company would submit the payoffs directly to the companies and/or banks to be paid off. Currently, my wife is having to go back into our prior accounts and match each of the payoff checks with the numerous account numbers and companies and mail into these lending institutions. Additionally, the agent once again never disclosed this process to us, had we known we would have selected another refinance company.
The person I worked with (Joe Zucht and his supervisor Michael) was initially all promises about how he could complete my loan even though others were unable to do so. He said the others were "amateurs". Once I agreed to work with him he steered me to a loan product with a higher interest rate than I was expecting, following that, every contact was extremely high pressure, urgent, demanding to close the loan even though I didn't have a house under contract yet. He charged me for an appraisal that was much lower than actual value of the house. I ended up going with a local credit union instead, worked with a wonderful lady that was very patient and helpful, got a much better interest rate (2% difference), with easy closing and great support and paid for another appraisal that was much more accurate. It was like night and day. Avoid this company or at least do your diligence in checking out alternatives. I think the only people who get links to post reviews are those who have a positive experience, so you will not be able to get an accurate idea without the negative reviews being posted.
Cara from Tucson, AZ
Reviewed in January 2020
Loan Type:
Refinance
Review Type:
Lender Review
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(2 of 5)stars
Cancelled loan due to property devaluation
No real effort was made to value my home to comparable properties (it was instead compared to properties that were sold to be torn down and replaced with larger homes). The assessor, and the agent, were satisfied to value my property at the lowest price possible. The agent seemed less interested in my particular situation and much more interested in closing any loan. To that end, he offered some financial advice that was debatable. We were looking to refinance, to consolidate some debt. But, the unfair valuation made the move pointless. We ended up cancelling the application.
Russell from Arlington Heights, IL
Reviewed in February 2017
LendingTree Customer:
Yes
Loan Type:
Refinance
Review Type:
Lender Review
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(2 of 5)stars
Closing review
We got a great rate, but we were asked for documents repeatedly that had already been sent and then were told we wouldn't make our closing date until the bank received urgent documents that really should have been requested weeks earlier. A simple checklist with timelines as to when things should be submitted would have been great. Also if we could have submitted said documents to a secure online repository it would have showed that the documents were already provided. This created additional stress which could have been easily avoided with some attention to detail and organization.
Additionally we were told that they would not provide a verification that we could go to closing until 24 hours of the closing date. This seemed odd and overly rigid. Lastly, because we closed on a house out of state from the bank, the closing disclosure was not correct regarding the taxes and other fees until hours before the closing appointment which was delayed 90+ minutes from the original appointment time because of these errors and whatever other delays. Our closing fees jumped 100% a day before closing only to settle somewhere in between on the day of closing. Our real estate agent and lawyer could only shake our heads at that point.
It's done and we got a good rate. We just don't think it should have been so difficult.
Kristopher from Gaithersburg, MD
Reviewed in July 2016
LendingTree Customer:
Yes
Loan Type:
Home Purchase
Review Type:
Lender Review
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(2 of 5)stars
NBKC falls short in the end
When we started interacting with NBKC, our experience was phenomenal. Our loan officer was prompt to reply, readily available and a pleasure to work with. Fast forward to two weeks before our closing. He was out of the office more than he was in, was not responsive to emails or phone calls and the week of our closing my husband discovered that the lender made an error with the closing documents. Supposedly there was a new computer system that he just could not get a handle on, and he was constantly sending out paperwork with errors. At one point my husband spoke to his supervisor who also didn't know where the figures came from.
Even though this was the lender's mistake that we noticed, he told us we might not close as planned. He also sent that message to the seller's attorney and she was livid. As of the morning of the closing, we didn't even have a closing amount so my husband wired over an over estimate to be on the safe side. He called and emailed the lender to verify that the closing was still going to happen. 30 minutes before the closing as we were driving there (mind you it was 30 minutes away), the lender calls and tells him that the paperwork isn't ready and might not be today. Thankfully the closing was rescheduled to 4 p.m. that day and everyone was somehow able to reschedule.
I would absolutely never refer anyone to NBKC. While they were great sweet talking us in the beginning they completely fell apart when it mattered the most. The lender we worked with had zero regard for anyone's schedule the week of our closing. Not ours, not the sellers or our attorneys'. Rather than admit his mistake and be honest about the delay with our closing, he waited until the 11th hour to tell us and was dodging calls and emails. Given the last minute stress this caused, they were not worth the credit we got towards our closing costs.
Sarah from Arlington Heights, IL
Reviewed in April 2016
LendingTree Customer:
Yes
Loan Type:
Home Purchase
Review Type:
Lender Review
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(2 of 5)stars
Recommended
Let a lot of details fall through
I had a good experience up until the last week before closing. At that point, we started getting last minute requests for documention or verification that should have been done earlier in the process. Three days before closing I was informed the title company branch near me that I was supposedly using had closed, and I had to drive 30 minutes out of town to another branch. The closed branch had apparently not been open in some time, so I should have been told that earlier, so I could have chosen a closer title company to use. The worst event was that I was told four hours before closing that they required we pay $2400 in our county real estate taxes because bills had been issued by the collector's office even though the county deadline for payment was six months away! We had four hours to decide to pay that large amount six months earlier than expected or walk away from the refinance and lose our deposit. Also, we had to run around like crazy to document our funding of the taxes we were paying at closing by faxing copies of bank statements. Obviously, we were both at work and didn't have those items on us, so it resulted in a mad dash home, plus the 30 minute drive to the out-of-town title company. Then, the title company didn't have the correct loan amount when we got there, so we had to wait another 45 minutes for the bank to resend the new paperwork. All in all, very stressful. These details should have been taken care of prior to the day of closing. The only consolation is that the bank did credit us back the origination fees to offset our unexpected tax costs. I wouldn't use this bank again.
mom23 from Arkansas,
Reviewed in April 2010
LendingTree Customer:
Yes
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(2 of 5)stars
Recommended
Great Fees, Poor Customer Service
This company had very low fees but their customer service and specifically the lack of responsiveness of the loan officer made the low fees almost not worth it. I am not sure if its a larger issue with the company or just an issue isolated to the particular loan officer assigned to my account but I found that I would call and email and the officer would practically ignore it. I had to contact his boss several times to see if he was in the office. Given there are several other players in town I would not go back to this company for my future loan needs.
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NBKC Bank
Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.
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