Ryan and NBKC were amazing all around and provided the best lending experience I've had in over 5 mortgage and refinance situations. I found them through the Costco mortgage program and the fees that resulted were very reasonable. Ryan worked with me over the course of a couple months when mortgage rates had risen after initially being lowered and having received a crush of applications. When my large financial institution dragged their feet, communicated poorly, and couldn't even get me to the closing table in 45+ days, I again reached out to Ryan, who responded rapidly every single time I reached out. This time, NBKC met and beat the rates of the large bank, and they got me to close within 30 days in a very painless process. I'll go straight to Ryan and NBKC right away if I ever have any future lending needs!