Nicholas Payne

Meet Nicholas

Office - 816-965-1456
Mobile - 816-260-0403
Fax - 913-529-3005
NMLS #270366

About Nicholas Payne

Advice for New Home Buyers

Take your time and do you research. Picking the right lender can be the difference in a pleasant experience or a nightmare.

Excellent service

“Nick was always extremely responsive and available for calls. Had some issues at closing beyond our control and Nick was able to keep everything on course.”

—leighton lien from from Westport, WA

Star Rating

Best mortgage process ever

“Nick is simply the best! He did everything possible to put my mind at ease and remove all the stress from this process. He worked aggressively to get our loan ready quickly…early mornings, late nights, weekends didn’t matter, he was always responsive and working in the background with the realtor and others to get the loan done. As a result, we were ready to close in 2 weeks with a VA loan! The best home buying experience I’ve had, go with NBKC and Nick if you want the best deal and the best customer service!”

—Matt from from Crestwood, KY

Star Rating

Pleasure to work with, highly recommended

“I would give Nick 10 stars if I could, this was by far the best mortgage experience I went through. First of all, the interest rate and the closing costs were the lowest among other lenders I contacted, and then the entire process was extremely easy and quick, with no last minute rush or any surprises. Nick handled all the communication through email (which was strongly my preference), and he was unbelievably quick to respond to all my questions, always with helpful replies. Fantastic experience, I recommend him to anyone I know, and I would definitely work with him again.”

—Hakki Bostanci from from Redmond, WA

Star Rating

Highly recommend

“Nick made my refinance easy and pain free!! He communicated great and always let me know what was going on and what to expect next! I would definitely recommend him and use him again when needed!!”

—mmeador6139 from from Independence, MO

Star Rating

Responsive, Informative, and Fast

“I completed a VA loan application on 07/11 and I had a sale contract for 08/10. I knew that this might be pushing it in terms of time constraints. Nick assured me that we could get it done and we did! He was very responsive through the whole process and kept an open line of communication the whole time. He put in a lot of work to get us to close on time and it worked! Couldn't be happier”

—zuser201908070511388 from from East Providence, RI

Star Rating


“My significant other was working mostly with Nicholas. From my experience he was very professional and prompt. Thank Nicholas for everything we appreciate it.”

—user3382287 from from Cheyenne, WY

Star Rating

A pleasure to work with

“Nick Payne was extremely responsive, helpful and friendly. We really enjoyed working with him. We highly recommend him. We got an amazing rate working with him. He was very knowledgeable and professional.”

—Anna Kreutz from from Cary, NC

Star Rating

Nick gives the best all the way around loan service

“I had an excellent experience working with Nick Payne. Nick helped me with a brand new home purchase. The builder was making it extremely difficult when I decided to switch lender within 30 days of closing, Nick handled the builder with exceptional professionalism and patience. We closed the loan smoothly and on time. Nick gave a great rate, was quick to respnding to emails, usually within minutes; he is courteous and a pleasure to work with. I know who to call when I shop for my next loan or refi.”

—sherry C. from from Saint Cloud, FL

Star Rating

Extremely Satisfied

“We are extremely satisfied with the entire process and how helpful Nick was. It was our pleasure to work with you and am looking forward to being a long time customer!”

—user33924768 from from Jamestown, RI

Star Rating

A true Knight in shining armor!

“There are not enough positive words in the dictionary to cover all the good things I'd like to say about working with Nick. Always positive, quick to reply, professional yet warm and friendly. This was the first time I've ever had to deal with a lending institution and even though he was out of my region, I'm so glad I found him. I recommend him with my highest compliments. I wish I could leave 25 stars, not just five!”

—Sally J from from Westport, NY

Star Rating

Get to know Nicholas

What is your motto or personal mantra?

Accountability is everything and always treat people the way you want to be treated.

What is your favorite sports team?

Kansas City Chiefs

What is something that people would be surprised if they knew about you?

I played semi-pro football until I was 38 years old.

What’s your alma mater?


What is on your bucket list?

Visit Italy

What aspect of your job are you most passionate about?

Helping my clients achieve their financial goals.

Where did you grow up?

Independence MO

What are some of your hobbies?

Working out and reading books.

Before working at NBKC, what was the most unusual or interesting job you’ve ever had?

When I was in my early 20’s my brothers and I owned a Vending Company.