NMLS# 409631

NBKC Bank

Lender Summary

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.

What they're saying

Ratings & Reviews
5765 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 2 star reviews | Show all reviews

What’s my name?

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.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

Not a Pleasant Experience.

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.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

High Pressure and High Interest Rate

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.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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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.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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