Name: nbkc bank
Rating: 4.9

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Ghostduch Sherwood, OR

I selected NBKC Bank for our mortgage company through The Mortgage program for Costco Members because they appeared to have the lowest APR %, and had terrible service throughout our home purchasing process. From the start, the loan officer did not bother getting to know me or my situation and therefore tried to sell me on a bad loan, which distracted me long enough to make me lose out on getting a better/lower APR % on the loan I did want. Unfortunately, there did not appear to be any better options at the time so I decided to continue working with the officer. The lender completely fabricated the initial loan disclosure cost making it seem lower than it really was to seduce me into the offer. Later, when it was essentially too late to back out, they increased the cost by more than a couple thousand dollars. Our closing date was extended by two weeks due to delays regarding coronavirus, which actually worked toward our benefit due to our situation; however, even with this extra time, the lender dropped the ball/procrastinated on sending documents to the title company, which resulted in the closing date being delayed even further (and risked losing our home altogether). The loan officer I worked with was frequently and deliberately non-responsive, stuck up, and belittling. Thankfully, due to altruistic sellers and my own determination, we were able to close the deal, but I feel that the service I received from NBKC bank was very poor, and frankly nefarious. My only recommendation to others would be to stay away from NBKC.

5 years ago

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Mike Quezada Union City, CA

Chad is 100% trustworthy. Everything was conducted in a swift and timely manner. Loan process completed in time & communication was impeccable. A pleasure to work with.

5 years ago

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Memo Plazas Portland, OR

Great Services! especially from our loan officer, Jordan! From start of refinancing to closing, everything ran smoothly and communication was excellent.

5 years ago

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Meraj Herriman, UT

It’s was really a great and wonderful experience I had during the whole process. Most important is my loan APR and followed by the detail process. Thanks

5 years ago

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Sheri Rancho Palos Verdes, CA

It was a very pleasant experience!! Scott was very helpful. He guided us through the refinancing process. It was a very smooth & easy! We highly recommended Scott C & NBCK!!

5 years ago

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Jack Wilkins Nolensville, TN

The process was seamless and the customer service was excellent. It did take a few weeks longer than I would have liked, but there was a huge wave of refinancing going on.

5 years ago

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Sal La Mesa, CA

Smooth refinance transaction, Best rates! Great service at every step of the process. Loan officer Mr Mike Y's work was very commendable. Thank you!!!

5 years ago

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Kevin Thomas San Jose, CA

- Well laid out website and online transaction experience. - Prompt and helpful responses from the loan agent(Jordan). - Quick turnaround time for entire refinance.

5 years ago Edited September 14, 2021

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Tim Hiatt Stockton, CA

This was the easiest refinance I’ve ever experienced! Beau was very helpful and friendly. He always responded quickly to my questions. Great experience! Thanks!

5 years ago

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Chris Cordoba Valley Village, CA

The experience could have been much better. This process started in Nov 2019 and did not close until mid March 2020. It was sold to me that I would close my loan within 3 weeks, not the case. Many times I wanted to be in touch with my Processor or loan agent and 8 out 10 I would not get any response, until days later after I had to remind the agent I had left a message via TEXT, EMAIL, and Voicemail. Many times it was frustrating because the Agent seemed to lack the knowledge in my opinion. After I had to do all the requirements which I expected an agent who constantly bragged he'd been in the business over 20 yrs it felt LIKE I WAS DEALING with a new-comer. Anyways I am shocked it took this long for my loan to close. Not cool not something I should be lied about. I had other expectations and time lines I needed to meet, but once my Credit was pulled that was it, I had to stick with them. So I did. I would not recommend anyone use this Company.

5 years ago

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Romelia Landrum Houston, TX

Very smooth process. Paige was very easy to understand and was available whenever We called and asked questions. She was very helpful and enjoyed the total process.

5 years ago

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Jamie Mayer Valdez, AK

Our representative Trevor was so easy to work with! He responded quickly to all questions, no matter what time of day I sent them. Thank you for all your hard work.

5 years ago

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Ronald Bark El Cajon, CA

The communication was outstanding. Rhett ensured that nothing was missed and that all milestones were accomplished. NBKC was a great bank to work with for our refi!

5 years ago

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Ed Herrera Chicago, IL

Overall very good experience. Information provided in a timely manner or when I requested. Zaq kept me in the loop from day 1. The only negative was funds were sent to wrong address .

5 years ago

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Stepho Connolly Kansas City, MO

Pros: Online system is easy to understand and intuitive, can communicate via email with loan originator over email, appraisal came back quickly. Cons: Does not have the most competitive rates or fees and could not match competitor rates, refused to transfer appraisal we paid for giving a BS excuse then when we pointed out it was indeed possible said he didn’t want to spend any more time on a loan he wasn’t going to close. So in summary, will never use this company to close in the future. Doesn’t have best rates nor best customer service.

5 years ago

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John K Las Vegas, NV

Horrible experience on my jumbo refinance. Started smooth, then Vic DeSantis my "loan originator" told me I had to buy a Costco membership for $250. After my appraisal was paid for suddenly they need to see more cash for reserves. Not an extra 2000 or 3000, but $28k. I sell some stuff and have the $28k in about ten days, but a few days later, they want to see $50k cash. No explanation on why. Vic goes on vacation, rates drop, but I'm stuck with my current loan as NBKC has no rate guarantee. I need to pay $13k in points, which would have been covered by the rate drop. I tell Vic I'm willing to wait 30 days to avoid paying the points, and he doesn't respond to me for over a Week. I'm being told by NBKC to NOT pay my mortgage as my loan is in the final stage of underwriting at this time. After this long wait with no answers to my emails or voicemails, Vic drops me a 1-liner email telling me he "did the best he could" but I need to show $300k+ cash reserves and he can't make a deal work. This is fifty (50) days into the refinance process, when I've jumped through every hoop and paid every bill NBKC has asked me to. Yes, I'm self-employed, yes it's an expensive house, but keep in mind, I have over 40% equity in my home, I have solid tax returns easily showing I can afford the home, and I have owned my own business since 2011. Also, none of these facts NBKC keeps "discovering" were hidden, they were provided before NBKC even ordered the appraisal. What a giant waste of time and money, worse still, I had been comparing 3 loan Companies and ditched the other two, after all three ran my credit. Now I get to start over with a fresh round of hard credit pulls, because Vic DeSantis is too lazy to know his own bank's policies. Ironically, Vic won me over by claiming the other vendors were less than reputable.

6 years ago

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bill Arroyo Grande, CA

It was a very easy process of lending. Our loan officer, Kevin, was quite knowledgeable, helpful and always available to answer questions and concerns.

7 years ago

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Michael Duong Orlando, FL

Overall good service. Received a great initial rate but when we backed out on an offer we could no longer take advantage of the initial rate when we finally found the right house for us. We were issued a new rate based on current rates. This was quite disappointing.

7 years ago

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Gianna Dallas, TX

Great service! Beau was always prompt, organized, and helpful. Everything was on time, and we had a stress-free closing. Thank you so much! We love our new home!

7 years ago

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Hong Nguyen Arlington, TX

Brandon was excellent in getting the loan. Everything was clear, detailed and on time. Thank you Brandon for the wonderful experience with NBKC Bank.

7 years ago

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Katherine Saint Charles, MO

Everything was good until after the appraisal was completed. Then, for some unknown reason, the whole process seemed to stall. We waited almost a month to close after everything needed to make the decision was completed.

7 years ago

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Curtis Kindred Corpus Christi, TX

Kelli K. is the best day n the business for my money. This is my third or fourth home loan over the last two decades with her and I won’t shop anywhere else!

7 years ago Edited September 14, 2021

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Alex Ziegler Lenexa, KS

My officer was Trent G., he did a great job and had good attention to detail throughout the process. I would highly recommend him for anyone seeking a loan through NBKC.

7 years ago

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Joe The Bronx, NY

I worked with Mary B. She was helpful, responsive, proactive, informative, friendly yet businesslike. I had the best experience I could have ever expected.

7 years ago

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Michael Leslie Flint, MI

Our loan originator officer is Brad. He has been very easy to work with and is always available when we need him. The customer service with this company is great! Our realtor was even impressed.

4 years ago

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Bill Griffiths Detroit, MI

Bret A , my loan officer, made this process as easy as on could expect. The time line and communications from Bret were succinct.

4 years ago

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Andres Escobar Richmond, TX

Great experience. Shawn D was always responsive and honest. I will definitely work with Shawn and with NBKC again. Thank!!

5 years ago

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Peter Kallai Erie, CO

The process was easy and straight forward. We got a really good rate and the closing costs were very low compared to other banks out there!

5 years ago

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CC Ohio Pataskala, OH

The best experience I've ever had financing a house. Professional, digital, clear, fair and efficient. Very competitive terms.

5 years ago

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Dennis O McLain Ypsilanti, MI

Brandon was great to work with! NBKC is fortunate to have him. He made the process smooth and transparent. Kept me informed all the way.

5 years ago

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Dana Compton Leesburg, VA

Paige was amazing. She stepped in when my original loan officer suddenly (sadly) passed away and then took care of every detail.

5 years ago

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Ginger Rudisill Upland, CA

Efficient, friendly and a joy to work with. It was an effortless process and Herb was helpful and overall a delightful guy to work with.

5 years ago Edited September 14, 2021

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Christina Melton Rancho Santa Margarita, CA

We had a great experience with Jay A and NBKC Bank! Jay was very personable and easy to work with. I would highly recommend!

5 years ago

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Janet Brown Atlanta, GA

Maggie N provided excellent service. She was very responsive and kept me informed about the status of the loan application.

5 years ago

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Matt Duncan Minneapolis, MN

Our mortgate representative was excellent. They made this situation easy to understand and answered all questions that we had.

5 years ago

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Aamir Suleman Ashburn, VA

Paige is an amazing person to work with and truly profession. She has always kept me in the loop and updated me at appropriate times.

5 years ago

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Steven Brown Castle Rock, CO

The best home refinance experience I’ve ever had. Process was simple, straight forward and easy to follow and Ron was great to work with.

5 years ago

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phil_camilleri@hotmail.com Highland, MI

The process was much more streamlined than my previous refi. Mike was always available to assess questions and explain what was going on!

5 years ago

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Ed Childs Surprise, AZ

Our experience with NBKC and particularly Mark Q was outstanding. They made our refinance process easy and stress free. We highly recommend them.

5 years ago

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SuperCinco Monroe, CT

Great experience Ami B was always alert of everything and kept me in the loop I would definitely recommend and will do business in the future

5 years ago

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Ruben Frutos Bellflower, CA

Great experience and our loan officer, Chad K, did a great job guiding us to the process. This is our 3rd experience with Costco financing and NBKC did a great job!

5 years ago

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Shonn Tanner Longview, WA

Jeff was responsive and timely. The refinance went off without a problem. They were able to be out other offers and ultimately save me money.

5 years ago

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aguilarr76 Saint Cloud, FL

The company was helpful from the beginning and answered all of my questions in a timely manner and got my loan approved.

5 years ago

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Peiwen Tuan Auburn, WA

Robb has been of tremendous help to the loan process. There are many mandates and he has been responsive to sail thru the lending process.

5 years ago

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Indika Attidiya Widanalage Sammamish, WA

We did a reference with NBKC and it went very smoothly. It was great to work with Mark and was guiding us all the time and kept us updated.

5 years ago

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Jake Whitten McKinney, TX

Very very helpful and responsive. Really worked hard to push this all the way through during a very difficult and crazy time.

5 years ago

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Mike Guertin Kirkland, WA

Site was easy to use, and Matt was fantastic to work with! Matt did a great job communicating with us and was always there if we had any questions.

5 years ago

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Dsanchez , WA

I really enjoyed working with NBKC Bank. Joe made everything go smoothly and quickly. I would definitely recommend them.

5 years ago

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Heppler Grand Haven, MI

We had a wonderful experience working with Lori L. of NBKC bank. Great communication, excellent process and customer service all around. Thank you!

5 years ago

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Scott Warner ,

I recently used NBKC Bank for a home loan refinance. It was so quick and painless. Matt H. was great! It too about 2 weeks and it was all done.

5 years ago