The Mortgage Record
Lender report card · New Jersey

Nbkc Bank

Kansas City, MO · What the federal mortgage record shows about how Nbkc Bank treated New Jersey applicants, 2018–2025 — 2,198 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
85.4%
1,878 approved
Denial rate
14.6%
320 denied
Decisions
2,198
2018–2025
Avg. rate spread
-0.06 pp
vs. market benchmark
85.4% approved
14.6% denied

Share of 2,198 New Jersey applications Nbkc Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional85.8% of 1,886 · NJ 87%FHA63.5% of 96 · NJ 79%VA91.7% of 216 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

73%78%83%88%93%92%90%86%91%82%80%79%77%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Nbkc Bank’s rates ran -0.27 pp lower than the typical New Jersey lender (average rate spread -0.06 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Nbkc Bank approves

By income
Under $50k29.3% · 75$50–75k80.0% · 110$75–100k83.4% · 277$100–150k89.0% · 600$150–250k88.5% · 785$250k+87.8% · 287
By debt-to-income
Under 36%89.5% · 97036–43%90.1% · 52543–50%89.4% · 461Over 50%45.0% · 149
By down payment (LTV)
20%+ down85.5% · 1,35410–20% down84.3% · 3135–10% down86.5% · 1853–5% down80.0% · 45Under 3% down81.4% · 118

Why Nbkc Bank denied applications

Unverifiable information41% of denialsOther37% of denialsDebt-to-income ratio26% of denialsCredit history20% of denialsCollateral (value/type)11% of denialsIncomplete application8% of denials

Where Nbkc Bank lends in NJ

CountyDecisionsApproval
Bergen County28087.1%
Middlesex County24883.5%
Monmouth County21388.3%
Morris County16293.2%
Somerset County15592.3%
Essex County15485.7%
Hudson County13675.7%
Burlington County13477.6%

Fees & closing costs

Median total loan costs
$5,148
home purchase
As % of loan
1.29%
NJ median 1.93%
Priced originations
899
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Nbkc Bank’s home-purchase originations — 0.64 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $766. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Nbkc Bank (LEI 213800XR2TCBQJSF1X93). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →