David is great! He doesn't get offended when I mentioned that I was shopping around for loans, and would provide a loan estimate, which came very close to final. He is very responsive and at NBKC I was able to lock in rates without paying extra when I had a house under contract. Loan application sent in Oct 8, and everything was ready to go by Oct 26-27, a 3 week approval time. He will respond to your text, email and call.