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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 NBA
Mortgage Loans and Application Details
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| Mortgage Company Name |
UMB NBA |
| 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 | 192 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,781,000 |
| Average Mortgage Loan Amount Applied For | $155,487 |
| Highest Mortgage Loan Amount Applied For | $52,000,000 |
| Average Applicant Income | $64,769 |
| Highest Applicant Income | $919,000 |
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| Home Improvement |
108 | $1,157,000 |
$10,000 | $90,000 |
$59,000 | $228,000 |
| Home Purchase |
9 | $1,226,000 |
$136,000 | $742,000 |
$125,000 | $525,000 |
| Refinancing |
75 | $58,398,000 |
$778,000 | $52,000,000 |
$107,000 | $919,000 |
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| American Indian or Alaskan Native |
2 | $19,000 |
$9,000 | $10,000 |
$43,000 | $44,000 |
| Asian |
2 | $13,000 |
$6,000 | $7,000 |
$45,000 | $60,000 |
| Black or African American |
6 | $86,000 |
$14,000 | $30,000 |
$51,000 | $85,000 |
| Hispanic |
6 | $199,000 |
$33,000 | $160,000 |
$92,000 | $228,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $529,000 |
$176,000 | $361,000 |
$500,000 | $919,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
173 | $59,935,000 |
$346,000 | $52,000,000 |
$75,000 | $621,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
192 | $60,781,000 |
$316,000 | $52,000,000 |
$80,000 | $919,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
10 | $81,000 |
$8,000 | $10,000 |
$55,000 | $98,000 |
| Application Denied By Financial Institution |
25 | $193,000 |
$7,000 | $16,000 |
$50,000 | $191,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
157 | $60,507,000 |
$385,000 | $52,000,000 |
$87,000 | $919,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $72,000 |
$9,000 | $16,000 |
$71,000 | $191,000 |
| Debt-To-Income Ratio |
14 | $93,000 |
$6,000 | $14,000 |
$40,000 | $81,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $18,000 |
$9,000 | $10,000 |
$42,000 | $65,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UMB NBA by:
Metropolitan Area And
County
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