NBH Bank mortgage approval rate & lending review
NBH Bank decided 2,996 mortgage applications and funded 2,562 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions NBH Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
NBH Bank at a glance
Approval is 4.6 points above the 82.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,886 / 1,987 | 99% | $385K | 1,867 |
| Home improvement loans | 56% | 204 / 366 | 95% | $65K | 194 |
| Cash-out refinance | 78% | 100 / 128 | 97% | $365K | 97 |
| Refinance | 72% | 212 / 294 | 97% | $205K | 206 |
| Investment property purchase | 95% | 172 / 181 | 96% | $205K | 165 |
NBH Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 87% | $435K | 1,239 | 1,069 |
| Kansas | 88% | $185K | 711 | 614 |
| Missouri | 79% | $205K | 437 | 335 |
| Texas | 95% | $315K | 273 | 255 |
| Utah | 76% | $1.25M | 124 | 87 |
| Florida | 98% | $265K | 44 | 43 |
| Idaho | 100% | $465K | 30 | 30 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where NBH Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Paso County, CO | Mortgage lenders | 96% | 511 | 490 |
| Shawnee County, KS | Mortgage lenders | 95% | 260 | 244 |
| Douglas County, KS | Mortgage lenders | 97% | 123 | 119 |
| Jackson County, MO | Mortgage lenders | 92% | 114 | 101 |
| Johnson County, KS | Mortgage lenders | 94% | 80 | 73 |
| Clay County, MO | Mortgage lenders | 96% | 56 | 53 |
| El Paso County, CO | Refinance | 90% | 49 | 43 |
| Jackson County, MO | Home improvement loans | 61% | 56 | 32 |
| Pueblo County, CO | Mortgage lenders | 90% | 30 | 27 |
| El Paso County, CO | Cash-out refinance | 78% | 32 | 25 |
| Jackson County, MO | Refinance | 84% | 31 | 25 |
| El Paso County, CO | Home improvement loans | 73% | 37 | 24 |
The county markets where NBH Bank made the most loans. Each link opens that market with every lender ranked.
Questions about NBH Bank
What is NBH Bank's mortgage approval rate?
NBH Bank approved 87.0% of the 2,996 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.6 points above the 82.4% national rate for the same mix of loan types.
How often do borrowers take the loan NBH Bank offers?
Borrowers accepted 98% of the loans NBH Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does NBH Bank make?
The typical home purchase mortgage loan NBH Bank made was $385K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does NBH Bank lend?
NBH Bank decided applications in 39 of the states Fat Boy Data covers, most of them in Colorado, Kansas and Missouri.
Can I apply to NBH Bank directly?
Yes. NBH Bank is a bank or credit union with 95 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show NBH Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how NBH Bank treats applications, then get a rate quote from the lender.