Nick is efficient and very respondent. If there is an answer he does not know, he finds it, quickly. This helped me find the answers I needed when refinancing my home. The underwriting team is as efficient as can be, with the information provided. I provided a lot of information, as typical, it was not my first mortgage or refinance, so I was able to provide a lot of information up front, and the team at nbkc bank was able to sort through that and provide me with followup questions or forms that were time sensitive. Overall, it was a good experience, and I will definitely contact Nick again, if needed. As I am not in the business, but follow bank rate, the rate I got was a little high, but I think that is a product of the system, and not the bank, or Nick, in that regard.