National Bank Of Kansas City

I considerDan Rader my «personal» banker at KCNB when it comes mortgages. Though I’ve never met him personally, he has become a trusted friend when it comes to purchasing property! I live in Arizona and have a second home in Colorado and Dan has been the individual who has never said «No»! His positive, upbeat attitude is only second to his keeping his word on his promises and his follow-​through. If he says he’ll do it, consider it done!
I’ve previously used USAA and local banks that were recommended to me, but Dan made the process completely hassle-​free and eliminated the majority of the application process by working with me to insure it was done right the first time through. I felt like I was his only client and that he was devoted to helping me! Finding that kind of service is very hard! I’d recommend KCNB and Dan Rader to anyone looking for mortgage assistance! In fact, I have!

This was a case of broken promises and delays, delays, delays. I would NOT recommend NBKC for refinancing, nor, anything else as far as finances. The worst thing I was told was that because of the delays, I would not have a mortgage payment for two months. When the day came to sign and I had already made an appointment with a notary, I was given the news that I would have to make a payment in less than 30 days! My only option was to pay an addition $ 800, risk the APR I locked into two months earlier and delay closing another several days! Absolutely ridiculous. I can go on, as I informed both Costco since they recommend NBKC and upper management at NBKC, but I was just given a couple of calls and a check to cover my late fees due to the delays. I urge everyone that is considering NBKC NOT to go through the headaches!!!

Applying for a VA loan from this institution required that we supply documents said to be requests from the underwriter. The underwriter to me was very demanding, and did not know what a registered will request is — from a quit claim deed. We had to supply some very personal documents that should not have even been asked for in the first place.
This lender was recommended to us and when we saw that this was a COSTCO approved lender we thought the process would go smoothly. The process did not go smoothly. There were a myriad of requests bordering on unethical.
If you can do so, try to find another lender. This is not the first home that we purchased however the process at this bank was overly onerous, time consuming and indirectly discriminatory in the type of requests we received.
If you have a choice of another approved VA lender, it may be beneficial to go there. After this review, I will be making a complaint to COSTCO. I am a member and the website says that paperwork and requests would be kept to a minimum with the best customer experience in mind. This was not our experience.

Jason Hays is an angel from above. Very knowable and helpful! We just purchased our new home and with two small children it’s hard to get anything done. He made our process so easy and smooth!!!
Great customer service, the lowest fees, the best rate, and were very easy to deal with. I could not provide a higher recommendation.

Dan Rader quoted me a 3.25% rate and $ 500 lender credit and then backed out of the $ 500 lender credit only after I had completed the application and uploaded all of my documents. This was less than 24 hours after he had offered the lender credit. This is extremely poor business practice and is the definition of a bait and switch.

We just received a letter dated May 4, 2015 stating that National Bank of Kansas City (Refi through Costco Finance) has sold my refi loan to Central Loan Administration & Reporting. We just signed the papers on April 29, 2015 and the payoff was made to my former lender on May 4, 2015. I was wondering why my loan officer Greg Ramirez wanted me to fill out a review so quickly; now knowing this I’m glad I did not type a review on the refi process with National Bank of Kansas City. We have excellent credit to just sit back and experience this greed and bad business deal that National Bank of Kansas City made with Central Loan Administration & Reporting. Reviews on Central Loan Administration & Reporting is bad and people are talking about a class action suit against the servicer. How is that National bank of Kansas City even associated with Central Loan Administration & Reporting.

RUNNnnnnnn.
Lending is a hard thing for most consumers, so having a great lender and loan officer is critical. I work for a real estate company and so I work with a ton of lenders — and there is a huge difference in quality and «do what we say» versus «say what you want to hear» in the industry. I had experience with National Bank of Kansas City at my last company — was also horrible, but this last experience was so bad I had to Unilocal about it.
I can honestly say I have never encountered a lender that blows so much smoke, maybe it was just the particular loan officer, but literally built confidence so high of borrowers, said everything is approved then did not deliver. Even reported loan was all set to all real estate agents, but it was not. This was for a client — the loan officer told us that everything was ready to fund — only to say a week later that they can’t do the loan. I have NEVER seen something like this in my 10+ years in the real estate and banking industry.
When other lenders took a look at the file, took them 5 minutes to say the loan could not be done as VA. 5 Minutes.
But this «we do more than anyone when it comes to VA, trust me», then took over a month to figure out they were wrong — is simply ridiculous and could have been disastrous for clients.
So RUNnnnnn, don’t believe that volume means they know what they are doing or that they do it well. Maybe some of the loan officers know their stuff — but have to go off of the one we had correspondence with.
Honesty would have gone a long way.

I recently purchased a home in Virginia Beach, VA and looked into multiple banks to provide the mortgage, to include a couple local guys, USAA, and Navy Federal. Amy Stuhr Paterson and National Bank of Kansas City were easily the best group that I dealt with. They provided an interest rate that was impossible to match by any other bank, beating the other banks by nearly .5% for no greater cost. This is my second home buying experience, and first with NBKC. I have 5 other friends who have used Amy and NBKC to purchase homes across the country to include Truckee CA, Beaufort SC, Destin FL, and now Virginia Beach VA.
Despite being warned by local guys that a bank in Kansas City could not provide nearly the quality of service as a local bank could, Amy and NBKC blew away the competition in terms of customer service and attention to detail that assured a smooth closing process.
I will never use another bank for a property purchase. I could not provide a higher recommendation for Amy Stuhr Paterson and the National Bank of Kansas City team. Do yourself a favor and if you are looking to purchase a home, make them your one and only phone call.

I compared about 6 different lenders before financing through National bank of kansas city. They had the lowest fees, the best rate, and were very simple to deal with. I live in Maryland and did the loan 100% over the phone/​via fax/​scans/​e-​sign and it was not difficult at all. I worked with Tim Lander and he was great.
My loan closed one day late but that is common when coordinating a title company, lender, etc., you need to build in a day or two for delays.

Jackie did a outstanding job with my refi. Great customer service she made my loan process very easy.

I have refinanced with National Bank 3 times now. Each experience was fantastic. Donna is very good at her job and was able to get me a fantastic rate. We are very happy with National Bank and would not hesitate to go back.

I am in the process of preparing to shop for a mortgage for my first home. I read great reviews on National Bank of Kansas City, so I sent an email to request information. Todd Bukaty called promptly and discussed my situation with me, prior to sending me a good faith estimate. He claimed that a pre-​QUALIFICATION was not necessary as I had already been pre-​qualified from other banks. A few weeks later, he followed up with me and I told him that I wanted to be pre-​qualified (not pre-​approved) by NBOKC, if possible. He sent me to a link in his signature and I carefully began to complete the form.
Now, my understanding of a pre-​qualification, is there is no legal document, legal binding or legal intention to do business with the lender, and as such, there is no legal need to perform a HARD credit inquiry. Since I am PREPARING to shop and not actually shopping, I did not want my credit pulled yet. Generally, I try to limit the hard pulls on my credit as each HARD pull lowers your score, as most people know. Todd, does not, however.
I didn’t see any statement from NBOKC to perform a credit check as I wasn’t trying to apply for a loan with them, only trying to determine if I would qualify IF I opted to apply for a loan.
When I asked Todd to confirm that NBOKC does NOT perform a hard credit pull things changed for the worse. Once a mellow and seemingly considerate guy, Todd became blatantly rude and almost personally offended that I would ask such a question. He wrote, in email, things like, «You aren’t looking to buy a used car here…» and things that aren’t accurate such as, «…to get prequalified it’s a very invasive because you are asking the lending institution to put down on a legal document that you are approved.» I kindly replied, again, that I was NOT trying to get approved for a loan, that I was only trying to get prequalified, to which Todd informed me that he was not going to argue with me and that he has been doing this for «over twelve years.» He also went on to say, incorrectly might I add, «…you can have up to three inquires PER month without it even effecting your credit.» First, it’s AFFECTING, Todd, not effecting, and second, you’re wrong. More than 2 HARD credit inquires ever 24 MONTHS will lower your credit score; albeit, there might be a low impact, but the impact is still present.
I think Todd was getting confused with the differences between a HARD pull and a SOFT pull, which for someone with 12 years of experience with 3 different banking institutions, is inexcusable. He ended his retort email to me stating that they would purge my file so we never even moved past the pre-​qualification process, nor would I have wanted to all things considering.

Our experience with NBOKC with Shane Cuevas as our loan officer was smooth and pleasant. Shane is polite, professional, highly competent yet maintains an easy, friendly attitude. He was always ready to answer any questions and provide assistance, and maintained contact with us through our 5 month search and final acquisition of our dream home. Our recent mortgage loan went exceptionally smooth. He has earned our highest praise and recommendation, he is an exceptional person and an outstanding representation of National Bank of Kansas City.

This review is for the mortgage division.
We were about to buy a new home in Orange County, CA. Actually, we were ready to sign with builder/​lender but decided to look, just in case. I put the numbers in the Zillow mortgage rates calculator and NBKC came out near the top in % rate but most importantly, had the 5 star rating (BTW, most lenders do have high scores here). Anyway, I talked to Dan Steinbrink and he was a straight shooter from the start. He just got few numbers and gave us the best rate. My Builder/​Lender had, appeared to us, to be a great deal, but after scrutinizing both numbers, NBKC would save us $ 28k for the life of the loan and came in under $ 30 a month. That is real money! So I went back to my Builder/​Lender and they tried to tell me $ 30 – 40 a month isn’t much and that we’d be getting a piece of mind of getting the loan on time. Money talks, BS walks. So we informed the builder/​lender that we were going with Dan. Lo and behold, they matched the deal and gave us more incentives we couldn’t pass up. But, I’d still recommend Dan from NBKC. Dan was very accessible, friendly and most of all, cut all the bull and gave the best price right from the beginning. I’d recommend him to my family and friends and hope to use him for a refi.

Inquired about a refinance with this bank since they got great reviews on Zillow. During the process, I got sick so I wasn’t able to respond to my email as fast as I normally would (not more than a day). One of their employees locked in a rate for me without my authorization and discussion with me! I was so upset that I researched another company who gave me better rates and definitely better service.

I recently refinanced my home using a VA streamline refi, for the third time with National Bank of Kansas City. I have been pleasantly pleased each time I refinanced with them. My loan officer is Mike Morris, he is always helpful and attentive and he knows VA loans inside and out. I really can’t believe how easy the process is each time! Highly recommended :)

THE SUMMARY
We did a VA 30-​yr fixed Refi with NBOKC. To put the summary first, our rating is 90% weighted by the fact that we had a great loan consultant. Without him, this would be MANY fewer stars.
I’ll start with the bad so I can end up on a positive note.
THE UNDERWRITER (more like an undertaker from the funeral home): 0 STARS
I once heard a banker say that underwriters are financial reviewers from hell. And to that fact, our underwriter carried the largest pitch fork and red cape of them all. Our loan should have gone a lot smoother. It took over 2 months from the time of application to closing.
We are biased by the fact that the wife used to be a loan officer and we have many friends in this industry. We were thoroughly frustrated with our underwriter who reminded us of «Columbo». You know, he was the TV detective… just as he was about to leave the room, he always walked back in the door and said «Oh just one more thing!» Well this happened to us on numerous occasions to ask for nit-​picky information in multiple duplicate ways. Sometimes several days would pass before a new request would come in. Most of this stuff could have been requested right up front after doing the first review. Had we known the loan was going this way, we would have never started the process here. That processor needs some serious re-​training.
THE PROCESS: 4 STARS
Like most banks, an online application can be started in a secure (https) web browser screen. Unfortunately, I was not impressed with this one. It didn’t work well and caused frustration. After spending 10 – 15 minutes filling in tedious personal information, I received a «server error» when clicking to go to the next page and my information was lost. This happened 3 times until I gave up and tried a couple other browsers. As it turns out (from my software technical knowledge), I saw that the online software poorly handles some versions of MSIE (Microsoft Internet Explorer) and the Google browser. I could only get it to work with FireFox. I had previously filed a loan application with another bank that had a FAR superior, bullet-​proof process for an online application. However, once the application was submitted, I noted that nbokc has a really nice, secure method of exchanging emails and documents that worked flawlessly.
RATES: 5 STARS
At the time of the loan application, nbokc had (and still seems to have) among the best rates, fee structure, and lender credit from the many lending institutions we reviewed. It was hard to find anything better, and given the numerous positive reviews, this was the main consideration for using nbokc.
THE CLOSING DOCS: (Global warming has escalated due to fewer trees!) 2 STARS
Nbokc has more than average closing documents. The range typically goes from 80 pages to 150 pages for this type of loan. Theirs was 130. That’s more than we like. My guess is that their attorneys are taking lessons from our Underwriter!
THE LOAN CONSULTANT: 100 STARS
Finally, to end up on a really positive note; we were greatly impressed with the communication, attitude, and fast follow-​up from our loan consultant (Jim S). Without him, we would have cancelled the loan process near the closing. In fact, the wife said just the other day… «If Columbo (the underwriter) comes back again to ask for anything so much as the time of day, let’s cancel and restart with another bank.» As for Jim, he kept things on track. He was always responsive and pleasant, and I liked the fact that I was talking to a fellow veteran. Clearly, he is the ONLY reason we continued the process. Thank you!

Worked with Alen at National Bank of Kansas City. He was very honest an lived up to what he said he was going to do. I found this bank based on their high ratings online and strongly recommend them to anyone looking to do a refinance.

I have banked here for almost a year and half. I love this bank. They give a personal touch to their customer service where the bigger banks completely drop the ball. I have had some personal family issues and trials and tribulations of life take me away from my routine and I ultimately forgot about some of my auto-​drafts that are set up. I made a proactive call to the bank to explain my situation and they actually cared about what was going on and helped me in every way they could, which resulted in me avoiding NSF charges or bouncing any automated payments.
This place is a wonderful option for consumers who go out of their way to seek out doing business with local companies.