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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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UMB BANK, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
UMB BANK, NA |
| Address | 928 GRAND BLVD 7TH FL
KANSAS CITY, MO 64106 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 4,524 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $228,306,000 |
| Average Mortgage Loan Amount Applied For | $79,521 |
| Highest Mortgage Loan Amount Applied For | $1,547,000 |
| Average Applicant Income | $71,648 |
| Highest Applicant Income | $5,965,000 |
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| Home Improvement |
2,867 | $30,799,000 |
$10,000 | $630,000 |
$63,000 | $1,800,000 |
| Home Purchase |
789 | $93,630,000 |
$118,000 | $1,000,000 |
$79,000 | $5,460,000 |
| Refinancing |
868 | $103,877,000 |
$119,000 | $1,547,000 |
$85,000 | $5,965,000 |
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| American Indian or Alaskan Native |
28 | $1,781,000 |
$63,000 | $230,000 |
$63,000 | $360,000 |
| Asian |
53 | $4,211,000 |
$79,000 | $450,000 |
$70,000 | $216,000 |
| Black or African American |
506 | $16,576,000 |
$32,000 | $1,200,000 |
$54,000 | $547,000 |
| Hispanic |
151 | $6,749,000 |
$44,000 | $225,000 |
$51,000 | $203,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $548,000 |
$91,000 | $286,000 |
$64,000 | $108,000 |
| Not applicable |
17 | $2,892,000 |
$170,000 | $900,000 |
$197,000 | $1,800,000 |
| Not Provided |
190 | $15,643,000 |
$82,000 | $660,000 |
$67,000 | $500,000 |
| White |
3,573 | $179,906,000 |
$50,000 | $1,547,000 |
$73,000 | $5,965,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,523 | $228,294,000 |
$50,000 | $1,547,000 |
$70,000 | $5,965,000 |
| FHA-insured (Federal Housing Administration) |
1 | $12,000 |
$12,000 | $12,000 |
$36,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
247 | $8,783,000 |
$35,000 | $373,000 |
$65,000 | $295,000 |
| Application Denied By Financial Institution |
1,340 | $50,552,000 |
$37,000 | $1,200,000 |
$55,000 | $649,000 |
| Application Withdrawn By Applicant |
107 | $20,893,000 |
$195,000 | $1,547,000 |
$124,000 | $1,110,000 |
| File Closed For Incompleteness |
22 | $1,703,000 |
$77,000 | $224,000 |
$132,000 | $1,800,000 |
| Loan Originated |
2,808 | $146,375,000 |
$52,000 | $1,400,000 |
$75,000 | $5,965,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
145 | $14,053,000 |
$96,000 | $809,000 |
$66,000 | $291,000 |
| Credit Application Incomplete |
2 | $199,000 |
$99,000 | $135,000 |
$69,000 | $77,000 |
| Credit History |
591 | $13,303,000 |
$22,000 | $552,000 |
$57,000 | $240,000 |
| Debt-To-Income Ratio |
504 | $12,963,000 |
$25,000 | $720,000 |
$47,000 | $216,000 |
| Employment History |
12 | $537,000 |
$44,000 | $176,000 |
$47,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
51 | $7,134,000 |
$139,000 | $1,200,000 |
$66,000 | $649,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
29 | $1,864,000 |
$64,000 | $270,000 |
$72,000 | $292,000 |
| Unverifiable Information |
6 | $499,000 |
$83,000 | $147,000 |
$39,000 | $90,000 |
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Mortgage Loan App Totals for UMB BANK, NA by:
Metropolitan Area And
County
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