Applications / Mortgage Analytics / Lenders / Kansas / NBKC Bank
Leawood, KS · State non-member bank · FDIC · $1.3 billion assets · 6,849 loans in 2025
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6,849
loans originated, 2025
11,823
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NBKC Bank is a nationwide lender of large loans with a VA book far larger than similar banks', and its originations fell 13% in 2025 while those banks grew.
VA loans (guaranteed by the Department of Veterans Affairs) made up 22.1% of its lending, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), higher than more than nine in ten of them. It lends in 358 metros, and ranks 14 of 659 in Kansas City, where its share held at 1.6%.
Originations fell 13% to 6,849, while similar lenders grew 11% and the whole market 10%, putting it among the lowest tenth for growth. They are about a third of the 20,045 of 2020. Less refinancing, which was 32.6% of its loans, or a choice to lend less in some markets could explain the fall.
Its typical loan was $395,000, against $265,000, larger than more than nine in ten peers. It made 15.3% of loans to LMI (low- and moderate-income) borrowers and 11.0% in LMI areas, against 28.8% and 17.3%, the lowest among peers. Its large loans may mean fewer borrowers fall under the income limits. Its share in majority-minority areas, 16.5% against 15.4%, was near the middle.
Its typical rate was 6.12%, against 6.62%, among the lowest tenth, and 0.6% of loans were higher-priced (a rate well above the average for similar loans), against 2.5%. Its large VA share may account for part of this.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NBKC Bank took 11,823 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.5% · Refinance 32.6% · Other 2.7% · Home improvement 0.1%
Conventional 73.7% · VA 22.1% · FHA 4.2% · of 6,849 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 523 | 7.6% |
| Texas | 518 | 7.6% |
| Kansas | 430 | 6.3% |
| Florida | 383 | 5.6% |
| North Carolina | 354 | 5.2% |
| Washington | 335 | 4.9% |
| California | 313 | 4.6% |
| Georgia | 257 | 3.8% |
| Virginia | 252 | 3.7% |
| Colorado | 206 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 690 |
| Charlotte-Concord-Gastonia | 151 |
| Chicago-Naperville-Schaumburg | 132 |
| Houston-Pasadena-The Woodlands | 128 |
| Denver-Aurora-Centennial | 118 |
| Dallas-Plano-Irving | 117 |
| Atlanta-Sandy Springs-Roswell | 114 |
| Arlington-Alexandria-Reston | 106 |
| Phoenix-Mesa-Chandler | 99 |
| St. Louis | 93 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 213800XR2TCBQJSF1X93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2747587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123748 | 2001–2014 |
| Respondent ID (the HMDA filer code before 2018) | 335014 | 2015–2017 |
Established 30 March 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: NBKC Bank's data.
NBKC Bank's data
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