Nbkc Bank mortgage approval rate & lending review
Nbkc Bank decided 19,546 mortgage applications and funded 16,696 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Nbkc Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Nbkc Bank at a glance
Approval is 2.5 points above the 83.8% 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 | 92% | 12,502 / 13,593 | 99% | $395K | 12,422 |
| Home improvement loans | 82% | 40 / 49 | 100% | $75K | 40 |
| Cash-out refinance | 63% | 986 / 1,560 | 98% | $305K | 965 |
| Refinance | 77% | 2,618 / 3,416 | 98% | $445K | 2,557 |
| Investment property purchase | 90% | 540 / 601 | 99% | $275K | 533 |
| Investment cash-out refinance | 51% | 87 / 170 | 99% | $205K | 86 |
| Investment refinance | 61% | 92 / 151 | 97% | $285K | 89 |
Nbkc Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 85% | $335K | 1,927 | 1,626 |
| Florida | 83% | $405K | 1,523 | 1,247 |
| Missouri | 91% | $295K | 1,192 | 1,075 |
| California | 80% | $645K | 1,111 | 872 |
| North Carolina | 89% | $405K | 1,035 | 910 |
| Washington | 90% | $495K | 984 | 880 |
| Kansas | 91% | $375K | 978 | 885 |
| Georgia | 84% | $365K | 751 | 631 |
| Illinois | 82% | $375K | 644 | 516 |
| New Jersey | 79% | $425K | 613 | 477 |
| Pennsylvania | 84% | $355K | 578 | 484 |
| Virginia | 89% | $535K | 560 | 495 |
| Colorado | 91% | $515K | 551 | 499 |
| South Carolina | 90% | $365K | 541 | 486 |
| Arizona | 87% | $435K | 468 | 403 |
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 Nbkc Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 98% | 541 | 526 |
| Jackson County, MO | Mortgage lenders | 94% | 390 | 364 |
| Kitsap County, WA | Mortgage lenders | 98% | 172 | 169 |
| Mecklenburg County, NC | Mortgage lenders | 92% | 175 | 161 |
| Clay County, MO | Mortgage lenders | 94% | 132 | 121 |
| Pierce County, WA | Mortgage lenders | 96% | 119 | 113 |
| Johnson County, KS | Refinance | 78% | 122 | 94 |
| Platte County, MO | Mortgage lenders | 98% | 83 | 81 |
| Sedgwick County, KS | Mortgage lenders | 96% | 76 | 73 |
| Benton County, AR | Mortgage lenders | 96% | 73 | 70 |
| King County, WA | Refinance | 73% | 94 | 67 |
| Cass County, MO | Mortgage lenders | 98% | 62 | 61 |
The county markets where Nbkc Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Nbkc Bank
What is Nbkc Bank's mortgage approval rate?
Nbkc Bank approved 86.3% of the 19,546 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Nbkc Bank offers?
Borrowers accepted 99% of the loans Nbkc 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 Nbkc Bank make?
The typical home purchase mortgage loan Nbkc Bank made was $395K; across all loan types its typical loan ran from $75K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Nbkc Bank lend?
Nbkc Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Texas, Florida and Missouri.
Can I apply to Nbkc Bank directly?
Yes. Nbkc Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Nbkc 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 Nbkc Bank treats applications, then get a rate quote from the lender.