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.

Highly recommend!!!!!!!!!

“Of the numerous times I’ve had to go through the process of working with lenders, I can say with confidence that working with Nick Payne at NBKC Bank could not have been more accommodating, simple, and put me at ease throughout the entire experience. I found Nick to be very knowledgeable in his profession, attentive, diligent, and dependable. He goes above and beyond as he works hard for you. He answers and tends to all of your concerns, very professional, never leaves you hanging, replies promptly, and is always courteous. I found him to be an outstanding working individual showcasing great work ethics and was beyond pleased with his service. The whole closing was also catered for my convenience, and made the entire process simple. I would highly recommend NICK PAYNE to everyone I know. It was a pleasure working with him.”

—Ryan P. from from Cumming, GA

Star Rating

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

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

Nick is outstanding! He takes phone calls and answers texts well after normal business hours. He is the gold standard for customer service.

“This was the second time I've used Nick for my mortgage and I will use him again if the opportunity arises. He is the best when it comes to putting the customer first and answering questions. He always gets his customers the best available rates and closes on time. I highly recommend Nick Payne for your lending needs.”

—philcsoros from from Fort Worth, TX

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


“Available day and night, friendly, helpful, well informed, transparent. All our requests and questions Nick addressed instantaneously. His performance in all areas related to homebuying was outstanding. He truly made our closing experience enjoyable. The advice and explanations about loan options were extremely helpful. Without any hesitation, I highly recommend Nick!”

—Vladi Skokov 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.