Umb Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Umb Bank, Na 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Umb Bank, Na 1008 Oak St. Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,886 |
| Total Mortgage Loan Application Amount | $191,323,000 |
| Average Mortgage Loan Application Amount | $122,285 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $86,904 |
| Highest Applicant Income | $6,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Umb Bank, Na. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Umb Bank, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Umb Bank, Na's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Umb Bank, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by Umb Bank, Na, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Umb Bank, Na's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 817 | $ 14,945,000 | $ 18,000 | $ 53,000 |
| Jackson County Missouri | 778 | $ 27,685,000 | $ 35,000 | $ 49,000 |
| Johnson County Kansas | 298 | $ 18,110,000 | $ 60,000 | $ 102,000 |
| St. Charles County Missouri | 244 | $ 4,309,000 | $ 17,000 | $ 78,000 |
| Clay County Missouri | 198 | $ 8,501,000 | $ 42,000 | $ 63,000 |
| St. Louis City County Missouri | 164 | $ 2,865,000 | $ 17,000 | $ 56,000 |
| Wyandotte County Kansas | 158 | $ 5,093,000 | $ 32,000 | $ 44,000 |
| St. Clair County Illinois | 147 | $ 4,338,000 | $ 29,000 | $ 46,000 |
| Buchanan County Missouri | 128 | $ 5,254,000 | $ 41,000 | $ 47,000 |
| Jefferson County Missouri | 122 | $ 2,832,000 | $ 23,000 | $ 54,000 |
| Shawnee County Kansas | 107 | $ 4,229,000 | $ 39,000 | $ 58,000 |
| Cass County Missouri | 106 | $ 5,847,000 | $ 55,000 | $ 64,000 |
| Madison County Illinois | 99 | $ 3,506,000 | $ 35,000 | $ 54,000 |
| Sedgwick County Kansas | 88 | $ 1,553,000 | $ 17,000 | $ 53,000 |
| Jasper County Missouri | 81 | $ 3,985,000 | $ 49,000 | $ 42,000 |
| Johnson County Missouri | 80 | $ 5,637,000 | $ 70,000 | $ 54,000 |
| Bourbon County Kansas | 76 | $ 2,867,000 | $ 37,000 | $ 60,000 |
| Platte County Missouri | 65 | $ 3,342,000 | $ 51,000 | $ 94,000 |
| Oklahoma County Oklahoma | 61 | $ 4,037,000 | $ 66,000 | $ 64,000 |
| Greene County Missouri | 50 | $ 3,266,000 | $ 65,000 | $ 63,000 |
| Boone County Missouri | 44 | $ 4,818,000 | $ 109,000 | $ 164,000 |
| Linn County Missouri | 36 | $ 1,433,000 | $ 39,000 | $ 45,000 |
| Leavenworth County Kansas | 30 | $ 370,000 | $ 12,000 | $ 49,000 |
| Lawrence County Missouri | 29 | $ 1,376,000 | $ 47,000 | $ 36,000 |
| Douglas County Kansas | 26 | $ 2,258,000 | $ 86,000 | $ 63,000 |
| Saline County Kansas | 25 | $ 1,012,000 | $ 40,000 | $ 58,000 |
| Barry County Missouri | 25 | $ 1,723,000 | $ 68,000 | $ 44,000 |
| Cole County Missouri | 25 | $ 2,137,000 | $ 85,000 | $ 65,000 |
| Monroe County Missouri | 25 | $ 1,366,000 | $ 54,000 | $ 56,000 |
| El Paso County Colorado | 23 | $ 3,081,000 | $ 133,000 | $ 40,000 |
| Benton County Missouri | 22 | $ 1,255,000 | $ 57,000 | $ 45,000 |
| Cooper County Missouri | 22 | $ 1,365,000 | $ 62,000 | $ 50,000 |
| Henry County Missouri | 20 | $ 982,000 | $ 49,000 | $ 51,000 |
| Miami County Kansas | 19 | $ 838,000 | $ 44,000 | $ 56,000 |
| Andrew County Missouri | 19 | $ 742,000 | $ 39,000 | $ 50,000 |
| Atchison County Kansas | 17 | $ 1,142,000 | $ 67,000 | $ 45,000 |
| Ray County Missouri | 17 | $ 677,000 | $ 39,000 | $ 62,000 |
| Lafayette County Missouri | 16 | $ 616,000 | $ 38,000 | $ 57,000 |
| Newton County Missouri | 16 | $ 732,000 | $ 45,000 | $ 44,000 |
| Jefferson County Kansas | 15 | $ 588,000 | $ 39,000 | $ 73,000 |
| Christian County Missouri | 15 | $ 903,000 | $ 60,000 | $ 60,000 |
| Franklin County Missouri | 15 | $ 236,000 | $ 15,000 | $ 54,000 |
| Clinton County Missouri | 13 | $ 869,000 | $ 66,000 | $ 59,000 |
| Lincoln County Missouri | 13 | $ 188,000 | $ 14,000 | $ 67,000 |
| Dickinson County Kansas | 12 | $ 891,000 | $ 74,000 | $ 51,000 |
| Pettis County Missouri | 12 | $ 424,000 | $ 35,000 | $ 49,000 |
| Monroe County Illinois | 11 | $ 92,000 | $ 8,000 | $ 48,000 |
| Sullivan County Missouri | 11 | $ 453,000 | $ 41,000 | $ 40,000 |
| Warren County Missouri | 11 | $ 534,000 | $ 48,000 | $ 52,000 |
| Butler County Kansas | 10 | $ 126,000 | $ 12,000 | $ 47,000 |
| Callaway County Missouri | 10 | $ 436,000 | $ 43,000 | $ 52,000 |
| Arapahoe County Colorado | 9 | $ 1,518,000 | $ 168,000 | $ 70,000 |
| Cowley County Kansas | 9 | $ 57,000 | $ 6,000 | $ 36,000 |
| Geary County Kansas | 9 | $ 310,000 | $ 34,000 | $ 64,000 |
| Riley County Kansas | 9 | $ 603,000 | $ 67,000 | $ 83,000 |
| Nodaway County Missouri | 9 | $ 323,000 | $ 35,000 | $ 34,000 |
| Harvey County Kansas | 8 | $ 36,000 | $ 4,000 | $ 53,000 |
| Russell County Kansas | 8 | $ 429,000 | $ 53,000 | $ 39,000 |
| Camden County Missouri | 8 | $ 959,000 | $ 119,000 | $ 1,836,000 |
| Ralls County Missouri | 8 | $ 344,000 | $ 43,000 | $ 78,000 |
| Douglas County Nebraska | 8 | $ 927,000 | $ 115,000 | $ 73,000 |
| Anderson County Kansas | 7 | $ 47,000 | $ 6,000 | $ 37,000 |
| Franklin County Kansas | 7 | $ 291,000 | $ 41,000 | $ 40,000 |
| Vernon County Missouri | 7 | $ 953,000 | $ 136,000 | $ 75,000 |
| Cloud County Kansas | 6 | $ 307,000 | $ 51,000 | $ 28,000 |
| Lyon County Kansas | 6 | $ 109,000 | $ 18,000 | $ 45,000 |
| Pottawatomie County Kansas | 6 | $ 421,000 | $ 70,000 | $ 68,000 |
| Reno County Kansas | 6 | $ 56,000 | $ 9,000 | $ 41,000 |
| DeKalb County Missouri | 6 | $ 178,000 | $ 29,000 | $ 48,000 |
| Holt County Missouri | 6 | $ 332,000 | $ 55,000 | $ 46,000 |
| Saline County Missouri | 6 | $ 431,000 | $ 71,000 | $ 20,000 |
| Canadian County Oklahoma | 6 | $ 351,000 | $ 58,000 | $ 66,000 |
| Denver County Colorado | 5 | $ 960,000 | $ 192,000 | $ 30,000 |
| Jersey County Illinois | 5 | $ 53,000 | $ 10,000 | $ 55,000 |
| Crawford County Kansas | 5 | $ 183,000 | $ 36,000 | $ 58,000 |
| Caldwell County Missouri | 5 | $ 377,000 | $ 75,000 | $ 58,000 |
| Daviess County Missouri | 5 | $ 307,000 | $ 61,000 | $ 55,000 |
| Gentry County Missouri | 5 | $ 454,000 | $ 90,000 | $ 68,000 |
| Macon County Missouri | 5 | $ 175,000 | $ 35,000 | $ 62,000 |
| Polk County Missouri | 5 | $ 226,000 | $ 45,000 | $ 23,000 |
| Randolph County Missouri | 5 | $ 172,000 | $ 34,000 | $ 68,000 |
| Barton County Kansas | 4 | $ 126,000 | $ 31,000 | $ 43,000 |
| Ellis County Kansas | 4 | $ 19,000 | $ 4,000 | $ 66,000 |
| Linn County Kansas | 4 | $ 94,000 | $ 23,000 | $ 61,000 |
| Osage County Kansas | 4 | $ 83,000 | $ 20,000 | $ 27,000 |
| Bates County Missouri | 4 | $ 178,000 | $ 44,000 | $ 45,000 |
| Livingston County Missouri | 4 | $ 123,000 | $ 30,000 | $ 44,000 |
| Stone County Missouri | 4 | $ 159,000 | $ 39,000 | $ 57,000 |
| Webster County Missouri | 4 | $ 84,000 | $ 21,000 | $ 58,000 |
| Cleveland County Oklahoma | 4 | $ 341,000 | $ 85,000 | $ 198,000 |
| Lee County Florida | 3 | $ 593,000 | $ 197,000 | $ 431,000 |
| Bond County Illinois | 3 | $ 101,000 | $ 33,000 | $ 59,000 |
| Clinton County Illinois | 3 | $ 250,000 | $ 83,000 | $ 48,000 |
| McPherson County Kansas | 3 | $ 34,000 | $ 11,000 | $ 48,000 |
| Audrain County Missouri | 3 | $ 410,000 | $ 136,000 | $ 86,000 |
| Barton County Missouri | 3 | $ 19,000 | $ 6,000 | $ 26,000 |
| Cape Girardeau County Missouri | 3 | $ 184,000 | $ 61,000 | $ 63,000 |
| Howard County Missouri | 3 | $ 381,000 | $ 127,000 | $ 87,000 |
| Howell County Missouri | 3 | $ 108,000 | $ 36,000 | $ 51,000 |
| Laclede County Missouri | 3 | $ 117,000 | $ 39,000 | $ 42,000 |
| Pulaski County Missouri | 3 | $ 49,000 | $ 16,000 | $ 81,000 |
| Worth County Missouri | 3 | $ 187,000 | $ 62,000 | $ 36,000 |
| Pima County Arizona | 2 | $ 1,082,000 | $ 541,000 | $ 223,000 |
| Christian County Illinois | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Jackson County Illinois | 2 | $ 308,000 | $ 154,000 | $ 63,000 |
| Macoupin County Illinois | 2 | $ 34,000 | $ 17,000 | $ 86,000 |
| Randolph County Illinois | 2 | $ 14,000 | $ 7,000 | $ 44,000 |
| Washington County Illinois | 2 | $ 37,000 | $ 18,000 | $ 19,000 |
| Barber County Kansas | 2 | $ 97,000 | $ 48,000 | $ 45,000 |
| Cherokee County Kansas | 2 | $ 15,000 | $ 7,000 | $ 47,000 |
| Doniphan County Kansas | 2 | $ 56,000 | $ 28,000 | $ 49,000 |
| Lincoln County Kansas | 2 | $ 177,000 | $ 88,000 | $ 53,000 |
| Mitchell County Kansas | 2 | $ 52,000 | $ 26,000 | $ 34,000 |
| Pratt County Kansas | 2 | $ 21,000 | $ 10,000 | $ 55,000 |
| Sherman County Kansas | 2 | $ 18,000 | $ 9,000 | $ 28,000 |
| Stafford County Kansas | 2 | $ 113,000 | $ 56,000 | $ 42,000 |
| Wilson County Kansas | 2 | $ 8,000 | $ 4,000 | $ 17,000 |
| Adair County Missouri | 2 | $ 216,000 | $ 108,000 | $ 48,000 |
| Crawford County Missouri | 2 | $ 16,000 | $ 8,000 | $ 70,000 |
| Dallas County Missouri | 2 | $ 40,000 | $ 20,000 | $ 51,000 |
| Gasconade County Missouri | 2 | $ 67,000 | $ 33,000 | $ 61,000 |
| Grundy County Missouri | 2 | $ 67,000 | $ 33,000 | $ 42,000 |
| Miller County Missouri | 2 | $ 67,000 | $ 33,000 | $ 43,000 |
| Morgan County Missouri | 2 | $ 137,000 | $ 68,000 | $ 38,000 |
| Shelby County Missouri | 2 | $ 12,000 | $ 6,000 | $ 68,000 |
| St. Clair County Missouri | 2 | $ 130,000 | $ 65,000 | $ 71,000 |
| St. Francois County Missouri | 2 | $ 141,000 | $ 70,000 | $ 35,000 |
| Ste. Genevieve County Missouri | 2 | $ 17,000 | $ 8,000 | $ 72,000 |
| Taney County Missouri | 2 | $ 23,000 | $ 11,000 | $ 27,000 |
| Sarpy County Nebraska | 2 | $ 202,000 | $ 101,000 | $ 74,000 |
| Cuyahoga County Ohio | 2 | $ 151,000 | $ 75,000 | $ 136,000 |
| Ottawa County Oklahoma | 2 | $ 107,000 | $ 53,000 | $ 52,000 |
| Pottawatomie County Oklahoma | 2 | $ 109,000 | $ 54,000 | $ 118,000 |
| Tulsa County Oklahoma | 2 | $ 429,000 | $ 214,000 | $ 102,000 |
| Covington County Alabama | 1 | $ 86,000 | $ 86,000 | $ 93,000 |
| Maricopa County Arizona | 1 | $ 134,000 | $ 134,000 | $ 32,000 |
| Baxter County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Benton County Arkansas | 1 | $ 4,000 | $ 4,000 | $ 35,000 |
| Carroll County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
| Sharp County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Fresno County California | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Kings County California | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Grand County Colorado | 1 | $ 189,000 | $ 189,000 | $ 96,000 |
| Jefferson County Colorado | 1 | $ 213,000 | $ 213,000 | $ 35,000 |
| Weld County Colorado | 1 | $ 252,000 | $ 252,000 | $ 52,000 |
| Broward County Florida | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Hillsborough County Florida | 1 | $ 146,000 | $ 146,000 | $ 69,000 |
| Manatee County Florida | 1 | $ 145,000 | $ 145,000 | $ 248,000 |
| Palm Beach County Florida | 1 | $ 86,000 | $ 86,000 | $ 72,000 |
| Maui County Hawaii | 1 | $ 333,000 | $ 333,000 | $ 241,000 |
| Adams County Illinois | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Calhoun County Illinois | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Fulton County Illinois | 1 | $ 6,000 | $ 6,000 | $ 74,000 |
| Montgomery County Illinois | 1 | $ 4,000 | $ 4,000 | $ 65,000 |
| Rock Island County Illinois | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Sangamon County Illinois | 1 | $ 154,000 | $ 154,000 | $ 42,000 |
| Hamilton County Iowa | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Polk County Iowa | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Wayne County Iowa | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Brown County Kansas | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Cheyenne County Kansas | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Clay County Kansas | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Finney County Kansas | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Ford County Kansas | 1 | $ 12,000 | $ 12,000 | $ 45,000 |
| Gray County Kansas | 1 | $ 3,000 | $ 3,000 | $ 44,000 |
| Jewell County Kansas | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Kearny County Kansas | 1 | $ 13,000 | $ 13,000 | $ 37,000 |
| Labette County Kansas | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Montgomery County Kansas | 1 | $ 4,000 | $ 4,000 | $ 18,000 |
| Nemaha County Kansas | 1 | $ 12,000 | $ 12,000 | $ 47,000 |
| Neosho County Kansas | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Osborne County Kansas | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Ottawa County Kansas | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Phillips County Kansas | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Republic County Kansas | 1 | $ 63,000 | $ 63,000 | $ 63,000 |
| Seward County Kansas | 1 | $ 4,000 | $ 4,000 | $ 105,000 |
| Sumner County Kansas | 1 | $ 11,000 | $ 11,000 | $ 20,000 |
| Wallace County Kansas | 1 | $ 5,000 | $ 5,000 | $ 78,000 |
| Woodson County Kansas | 1 | $ 2,000 | $ 2,000 | $ 74,000 |
| Atchison County Missouri | 1 | $ 46,000 | $ 46,000 | $ 59,000 |
| Cedar County Missouri | 1 | $ 121,000 | $ 121,000 | $ 234,000 |
| Chariton County Missouri | 1 | $ 7,000 | $ 7,000 | $ 64,000 |
| Dent County Missouri | 1 | $ 6,000 | $ 6,000 | $ 52,000 |
| Maries County Missouri | 1 | $ 48,000 | $ 48,000 | $ 53,000 |
| Marion County Missouri | 1 | $ 4,000 | $ 4,000 | $ 45,000 |
| Moniteau County Missouri | 1 | $ 81,000 | $ 81,000 | $ 73,000 |
| Montgomery County Missouri | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Osage County Missouri | 1 | $ 164,000 | $ 164,000 | $ 74,000 |
| Phelps County Missouri | 1 | $ 97,000 | $ 97,000 | $ 94,000 |
| Pike County Missouri | 1 | $ 9,000 | $ 9,000 | $ 79,000 |
| Shannon County Missouri | 1 | $ 7,000 | $ 7,000 | $ 57,000 |
| Washington County Missouri | 1 | $ 4,000 | $ 4,000 | $ 39,000 |
| Howard County Nebraska | 1 | $ 39,000 | $ 39,000 | $ 56,000 |
| Jefferson County Nebraska | 1 | $ 2,000 | $ 2,000 | $ 29,000 |
| Lancaster County Nebraska | 1 | $ 6,000 | $ 6,000 | $ 19,000 |
| Washington County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Burlington County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Ocean County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Monroe County New York | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| New York County New York | 1 | $ 270,000 | $ 270,000 | $ 324,000 |
| Saratoga County New York | 1 | $ 208,000 | $ 208,000 | $ 86,000 |
| Cumberland County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 16,000 |
| Mecklenburg County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Summit County Ohio | 1 | $ 66,000 | $ 66,000 | $ 52,000 |
| McClain County Oklahoma | 1 | $ 27,000 | $ 27,000 | $ 43,000 |
| Rogers County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 267,000 |
| Providence County Rhode Island | 1 | $ 98,000 | $ 98,000 | $ 30,000 |
| Davidson County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Monroe County Tennessee | 1 | $ 6,000 | $ 6,000 | $ 90,000 |
| Wilson County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 125,000 |
| Bexar County Texas | 1 | $ 6,000 | $ 6,000 | $ 30,000 |
| Coleman County Texas | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Salt Lake County Utah | 1 | $ 178,000 | $ 178,000 | $ 50,000 |
| Virginia Beach County Virginia | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Umb Bank, Na in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 3,181 | $30,731,000 | $9,250 | $191,000 | $49,000 | $500,000 |
| Refinancing | 961 | $87,062,000 | $158,937 | $1,000,000 | $86,375 | $6,500,000 |
| Home Purchase | 744 | $73,530,000 | $139,944 | $1,000,000 | $104,222 | $2,300,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,654 | $146,151,000 | $125,894 | $1,000,000 | $88,578 | $2,300,000 |
| Black or African American | 582 | $10,647,000 | $70,875 | $276,000 | $57,625 | $298,000 |
| Not Provided | 375 | $22,879,000 | $123,000 | $334,000 | $82,636 | $540,000 |
| Hispanic | 159 | $4,996,000 | $58,375 | $191,000 | $40,750 | $236,000 |
| Asian | 51 | $3,666,000 | $75,000 | $440,000 | $74,000 | $500,000 |
| American Indian or Alaskan Native | 40 | $941,000 | $26,400 | $105,000 | $33,600 | $104,000 |
| Not applicable | 13 | $1,625,000 | $138,000 | $350,000 | $321,750 | $6,500,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $418,000 | $45,000 | $236,000 | $49,333 | $90,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,886 | $191,323,000 | $124,590 | $1,000,000 | $85,863 | $6,500,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,040 | $137,937,000 | $141,095 | $1,000,000 | $96,523 | $6,500,000 |
| Application Denied By Financial Institution | 1,300 | $28,936,000 | $74,076 | $340,000 | $48,846 | $540,000 |
| Application Approved But Not Accepted | 428 | $14,330,000 | $88,111 | $1,000,000 | $71,666 | $2,300,000 |
| Application Withdrawn By Applicant | 88 | $7,588,000 | $86,200 | $1,000,000 | $58,600 | $1,000,000 |
| File Closed For Incompleteness | 30 | $2,532,000 | $88,666 | $271,000 | $42,000 | $154,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 697 | $8,761,000 | $39,625 | $251,000 | $44,125 | $300,000 |
| Debt-To-Income Ratio | 404 | $6,190,000 | $92,428 | $330,000 | $40,285 | $184,000 |
| Collateral | 123 | $9,970,000 | $85,400 | $340,000 | $41,400 | $250,000 |
| Other | 36 | $1,199,000 | $21,200 | $162,000 | $53,800 | $207,000 |
| Credit Application Incomplete | 15 | $1,530,000 | $98,285 | $260,000 | $76,571 | $540,000 |
| Employment History | 13 | $247,000 | $18,000 | $85,000 | $43,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $776,000 | $127,500 | $250,000 | $35,000 | $70,000 |
| Unverifiable Information | 6 | $263,000 | $55,000 | $170,000 | $57,000 | $139,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Umb Bank, Na's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Umb Bank, Na's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.