NBKC BANK

6,849 mortgages originated in 2025 across 35 states, and what they cost borrowers.

Loans originated

6,849

Median rate

6.125%

Median lender fees

$3,551

Median loan amount

$395,000

Median spread over APOR

-0.173

Paid discount points

36.8%

Received lender credits

33.3%

Purchases / refinances

64.5% / 32.6%

Conventional / FHA / VA

73.7% / 4.2% / 22.1%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 97.9% of loans here — see methodology.

Where NBKC BANK lent

States with at least 50 loans in 2025, ranked by volume.