Umb Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Umb Bank, Na 2005 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 | 4,912 |
| Total Mortgage Loan Application Amount | $155,483,000 |
| Average Mortgage Loan Application Amount | $95,478 |
| Highest Mortgage Loan Application Amount | $1,282,000 |
| Average Applicant Income | $77,521 |
| Highest Applicant Income | $2,187,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson County Missouri | 836 | $ 21,916,000 | $ 26,000 | $ 66,000 |
| St. Louis County Missouri | 793 | $ 13,201,000 | $ 16,000 | $ 59,000 |
| Johnson County Kansas | 342 | $ 12,400,000 | $ 36,000 | $ 102,000 |
| St. Charles County Missouri | 253 | $ 3,987,000 | $ 15,000 | $ 73,000 |
| Clay County Missouri | 240 | $ 6,424,000 | $ 26,000 | $ 57,000 |
| St. Louis City County Missouri | 180 | $ 3,272,000 | $ 18,000 | $ 53,000 |
| Wyandotte County Kansas | 141 | $ 3,438,000 | $ 24,000 | $ 47,000 |
| Jefferson County Missouri | 123 | $ 2,208,000 | $ 17,000 | $ 58,000 |
| Shawnee County Kansas | 113 | $ 3,877,000 | $ 34,000 | $ 47,000 |
| St. Clair County Illinois | 112 | $ 2,664,000 | $ 23,000 | $ 63,000 |
| Madison County Illinois | 98 | $ 3,358,000 | $ 34,000 | $ 56,000 |
| Platte County Missouri | 98 | $ 7,027,000 | $ 71,000 | $ 155,000 |
| Cass County Missouri | 90 | $ 3,875,000 | $ 43,000 | $ 52,000 |
| Bourbon County Kansas | 85 | $ 3,245,000 | $ 38,000 | $ 41,000 |
| Buchanan County Missouri | 81 | $ 3,808,000 | $ 47,000 | $ 43,000 |
| Jasper County Missouri | 80 | $ 4,037,000 | $ 50,000 | $ 80,000 |
| Greene County Missouri | 62 | $ 2,177,000 | $ 35,000 | $ 91,000 |
| Sedgwick County Kansas | 61 | $ 936,000 | $ 15,000 | $ 57,000 |
| Johnson County Missouri | 53 | $ 2,809,000 | $ 53,000 | $ 60,000 |
| Boone County Missouri | 52 | $ 1,589,000 | $ 30,000 | $ 70,000 |
| Oklahoma County Oklahoma | 42 | $ 2,648,000 | $ 63,000 | $ 62,000 |
| Linn County Missouri | 37 | $ 1,919,000 | $ 51,000 | $ 56,000 |
| Leavenworth County Kansas | 34 | $ 566,000 | $ 16,000 | $ 60,000 |
| Cooper County Missouri | 26 | $ 861,000 | $ 33,000 | $ 51,000 |
| Henry County Missouri | 26 | $ 1,480,000 | $ 56,000 | $ 74,000 |
| Franklin County Missouri | 25 | $ 290,000 | $ 11,000 | $ 52,000 |
| Atchison County Kansas | 23 | $ 1,342,000 | $ 58,000 | $ 59,000 |
| El Paso County Colorado | 22 | $ 3,244,000 | $ 147,000 | $ 69,000 |
| Barry County Missouri | 22 | $ 919,000 | $ 41,000 | $ 38,000 |
| Newton County Missouri | 22 | $ 910,000 | $ 41,000 | $ 90,000 |
| Franklin County Kansas | 20 | $ 360,000 | $ 18,000 | $ 58,000 |
| Miami County Kansas | 19 | $ 729,000 | $ 38,000 | $ 153,000 |
| Lawrence County Missouri | 19 | $ 791,000 | $ 41,000 | $ 53,000 |
| Douglas County Kansas | 18 | $ 1,292,000 | $ 71,000 | $ 108,000 |
| Clinton County Missouri | 18 | $ 400,000 | $ 22,000 | $ 48,000 |
| Lincoln County Missouri | 18 | $ 143,000 | $ 7,000 | $ 53,000 |
| Andrew County Missouri | 17 | $ 941,000 | $ 55,000 | $ 62,000 |
| Benton County Missouri | 16 | $ 1,120,000 | $ 70,000 | $ 53,000 |
| Lafayette County Missouri | 15 | $ 477,000 | $ 31,000 | $ 55,000 |
| Marion County Illinois | 14 | $ 70,000 | $ 5,000 | $ 51,000 |
| Ray County Missouri | 14 | $ 419,000 | $ 29,000 | $ 61,000 |
| Sullivan County Missouri | 14 | $ 466,000 | $ 33,000 | $ 51,000 |
| Riley County Kansas | 13 | $ 1,126,000 | $ 86,000 | $ 59,000 |
| Saline County Kansas | 13 | $ 602,000 | $ 46,000 | $ 45,000 |
| Christian County Missouri | 13 | $ 360,000 | $ 27,000 | $ 80,000 |
| Pettis County Missouri | 13 | $ 289,000 | $ 22,000 | $ 32,000 |
| Monroe County Missouri | 12 | $ 974,000 | $ 81,000 | $ 84,000 |
| Cole County Missouri | 10 | $ 459,000 | $ 45,000 | $ 69,000 |
| Jefferson County Illinois | 9 | $ 41,000 | $ 4,000 | $ 73,000 |
| Jefferson County Kansas | 9 | $ 117,000 | $ 13,000 | $ 54,000 |
| Holt County Missouri | 9 | $ 275,000 | $ 30,000 | $ 39,000 |
| Warren County Missouri | 9 | $ 72,000 | $ 8,000 | $ 58,000 |
| Monroe County Illinois | 8 | $ 118,000 | $ 14,000 | $ 85,000 |
| Cloud County Kansas | 8 | $ 691,000 | $ 86,000 | $ 48,000 |
| Russell County Kansas | 8 | $ 246,000 | $ 30,000 | $ 40,000 |
| Howard County Missouri | 8 | $ 378,000 | $ 47,000 | $ 62,000 |
| Saline County Missouri | 8 | $ 102,000 | $ 12,000 | $ 31,000 |
| Vernon County Missouri | 8 | $ 697,000 | $ 87,000 | $ 70,000 |
| Butler County Kansas | 7 | $ 408,000 | $ 58,000 | $ 37,000 |
| Crawford County Kansas | 7 | $ 212,000 | $ 30,000 | $ 64,000 |
| Dickinson County Kansas | 7 | $ 542,000 | $ 77,000 | $ 63,000 |
| Linn County Kansas | 7 | $ 179,000 | $ 25,000 | $ 60,000 |
| Polk County Missouri | 7 | $ 278,000 | $ 39,000 | $ 35,000 |
| Barton County Kansas | 6 | $ 287,000 | $ 47,000 | $ 52,000 |
| Cowley County Kansas | 6 | $ 44,000 | $ 7,000 | $ 29,000 |
| Bates County Missouri | 6 | $ 132,000 | $ 22,000 | $ 46,000 |
| Livingston County Missouri | 6 | $ 460,000 | $ 76,000 | $ 83,000 |
| Douglas County Nebraska | 6 | $ 462,000 | $ 77,000 | $ 67,000 |
| Benton County Arkansas | 5 | $ 49,000 | $ 9,000 | $ 48,000 |
| Washington County Arkansas | 5 | $ 43,000 | $ 8,000 | $ 55,000 |
| Clay County Illinois | 5 | $ 123,000 | $ 24,000 | $ 32,000 |
| Fayette County Illinois | 5 | $ 47,000 | $ 9,000 | $ 51,000 |
| Geary County Kansas | 5 | $ 40,000 | $ 8,000 | $ 50,000 |
| Harvey County Kansas | 5 | $ 125,000 | $ 25,000 | $ 41,000 |
| Jackson County Kansas | 5 | $ 77,000 | $ 15,000 | $ 21,000 |
| Marion County Missouri | 5 | $ 160,000 | $ 32,000 | $ 36,000 |
| Pulaski County Missouri | 5 | $ 52,000 | $ 10,000 | $ 39,000 |
| St. Francois County Missouri | 5 | $ 37,000 | $ 7,000 | $ 62,000 |
| Perry County Illinois | 4 | $ 17,000 | $ 4,000 | $ 42,000 |
| Wayne County Illinois | 4 | $ 14,000 | $ 3,000 | $ 29,000 |
| Cherokee County Kansas | 4 | $ 112,000 | $ 28,000 | $ 40,000 |
| Lyon County Kansas | 4 | $ 77,000 | $ 19,000 | $ 51,000 |
| McPherson County Kansas | 4 | $ 48,000 | $ 12,000 | $ 34,000 |
| Reno County Kansas | 4 | $ 29,000 | $ 7,000 | $ 40,000 |
| Audrain County Missouri | 4 | $ 37,000 | $ 9,000 | $ 56,000 |
| Cedar County Missouri | 4 | $ 171,000 | $ 42,000 | $ 28,000 |
| Grundy County Missouri | 4 | $ 59,000 | $ 14,000 | $ 20,000 |
| Howell County Missouri | 4 | $ 216,000 | $ 54,000 | $ 60,000 |
| Morgan County Missouri | 4 | $ 503,000 | $ 125,000 | $ 75,000 |
| Nodaway County Missouri | 4 | $ 172,000 | $ 43,000 | $ 55,000 |
| Pike County Missouri | 4 | $ 41,000 | $ 10,000 | $ 47,000 |
| Randolph County Missouri | 4 | $ 177,000 | $ 44,000 | $ 47,000 |
| St. Clair County Missouri | 4 | $ 110,000 | $ 27,000 | $ 40,000 |
| Stone County Missouri | 4 | $ 418,000 | $ 104,000 | $ 54,000 |
| Sarpy County Nebraska | 4 | $ 376,000 | $ 94,000 | $ 79,000 |
| Tulsa County Oklahoma | 4 | $ 616,000 | $ 154,000 | $ 63,000 |
| Boone County Arkansas | 3 | $ 17,000 | $ 5,000 | $ 35,000 |
| Arapahoe County Colorado | 3 | $ 892,000 | $ 297,000 | $ 269,000 |
| Denver County Colorado | 3 | $ 566,000 | $ 188,000 | $ 121,000 |
| Bond County Illinois | 3 | $ 44,000 | $ 14,000 | $ 61,000 |
| Clinton County Illinois | 3 | $ 9,000 | $ 3,000 | $ 54,000 |
| Cook County Illinois | 3 | $ 692,000 | $ 230,000 | $ 156,000 |
| White County Illinois | 3 | $ 15,000 | $ 5,000 | $ 49,000 |
| Williamson County Illinois | 3 | $ 164,000 | $ 54,000 | $ 45,000 |
| Osage County Kansas | 3 | $ 18,000 | $ 6,000 | $ 53,000 |
| Pottawatomie County Kansas | 3 | $ 257,000 | $ 85,000 | $ 63,000 |
| Caldwell County Missouri | 3 | $ 277,000 | $ 92,000 | $ 60,000 |
| Camden County Missouri | 3 | $ 93,000 | $ 31,000 | $ 92,000 |
| Chariton County Missouri | 3 | $ 355,000 | $ 118,000 | $ 75,000 |
| DeKalb County Missouri | 3 | $ 65,000 | $ 21,000 | $ 27,000 |
| Harrison County Missouri | 3 | $ 146,000 | $ 48,000 | $ 101,000 |
| Montgomery County Missouri | 3 | $ 22,000 | $ 7,000 | $ 73,000 |
| Ralls County Missouri | 3 | $ 258,000 | $ 86,000 | $ 60,000 |
| Taney County Missouri | 3 | $ 29,000 | $ 9,000 | $ 27,000 |
| Webster County Missouri | 3 | $ 28,000 | $ 9,000 | $ 42,000 |
| Wright County Missouri | 3 | $ 33,000 | $ 11,000 | $ 41,000 |
| Cleveland County Oklahoma | 3 | $ 221,000 | $ 73,000 | $ 97,000 |
| Maricopa County Arizona | 2 | $ 422,000 | $ 211,000 | $ 124,000 |
| Los Angeles County California | 2 | $ 297,000 | $ 148,000 | $ 68,000 |
| Jefferson County Colorado | 2 | $ 499,000 | $ 249,000 | $ 80,000 |
| Lee County Florida | 2 | $ 815,000 | $ 407,000 | $ 262,000 |
| Christian County Illinois | 2 | $ 122,000 | $ 61,000 | $ 37,000 |
| Franklin County Illinois | 2 | $ 5,000 | $ 2,000 | $ 43,000 |
| Jersey County Illinois | 2 | $ 29,000 | $ 14,000 | $ 47,000 |
| Macoupin County Illinois | 2 | $ 19,000 | $ 9,000 | $ 44,000 |
| Washington County Illinois | 2 | $ 45,000 | $ 22,000 | $ 159,000 |
| Anderson County Kansas | 2 | $ 27,000 | $ 13,000 | $ 59,000 |
| Clay County Kansas | 2 | $ 162,000 | $ 81,000 | $ 58,000 |
| Doniphan County Kansas | 2 | $ 36,000 | $ 18,000 | $ 44,000 |
| Ellis County Kansas | 2 | $ 131,000 | $ 65,000 | $ 135,000 |
| Finney County Kansas | 2 | $ 16,000 | $ 8,000 | $ 65,000 |
| Ford County Kansas | 2 | $ 10,000 | $ 5,000 | $ 44,000 |
| Nemaha County Kansas | 2 | $ 42,000 | $ 21,000 | $ 46,000 |
| Ottawa County Kansas | 2 | $ 31,000 | $ 15,000 | $ 34,000 |
| Sumner County Kansas | 2 | $ 18,000 | $ 9,000 | $ 71,000 |
| Barton County Missouri | 2 | $ 120,000 | $ 60,000 | $ 45,000 |
| Callaway County Missouri | 2 | $ 16,000 | $ 8,000 | $ 77,000 |
| McDonald County Missouri | 2 | $ 137,000 | $ 68,000 | $ 35,000 |
| Moniteau County Missouri | 2 | $ 51,000 | $ 25,000 | $ 46,000 |
| Queens County New York | 2 | $ 425,000 | $ 212,000 | $ 84,000 |
| Canadian County Oklahoma | 2 | $ 176,000 | $ 88,000 | $ 80,000 |
| Matanuska-Susitna County Alaska | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Baxter County Arkansas | 1 | $ 14,000 | $ 14,000 | $ 28,000 |
| Fresno County California | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Adams County Colorado | 1 | $ 167,000 | $ 167,000 | $ 42,000 |
| Elbert County Colorado | 1 | $ 472,000 | $ 472,000 | $ 225,000 |
| Garfield County Colorado | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Park County Colorado | 1 | $ 134,000 | $ 134,000 | $ 126,000 |
| Middlesex County Connecticut | 1 | $ 2,000 | $ 2,000 | $ 59,000 |
| Collier County Florida | 1 | $ 52,000 | $ 52,000 | $ 300,000 |
| Manatee County Florida | 1 | $ 359,000 | $ 359,000 | $ 254,000 |
| Palm Beach County Florida | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Polk County Florida | 1 | $ 72,000 | $ 72,000 | $ 222,000 |
| Putnam County Florida | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| Sarasota County Florida | 1 | $ 253,000 | $ 253,000 | $ 85,000 |
| Henry County Georgia | 1 | $ 20,000 | $ 20,000 | $ 131,000 |
| Edwards County Illinois | 1 | $ 4,000 | $ 4,000 | $ 49,000 |
| Hamilton County Illinois | 1 | $ 2,000 | $ 2,000 | $ 59,000 |
| Jackson County Illinois | 1 | $ 3,000 | $ 3,000 | $ 61,000 |
| Lawrence County Illinois | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Macon County Illinois | 1 | $ 5,000 | $ 5,000 | $ 104,000 |
| Richland County Illinois | 1 | $ 7,000 | $ 7,000 | $ 96,000 |
| Saline County Illinois | 1 | $ 3,000 | $ 3,000 | $ 27,000 |
| Clay County Indiana | 1 | $ 10,000 | $ 10,000 | $ 55,000 |
| Benton County Iowa | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Crawford County Iowa | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Harrison County Iowa | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Allen County Kansas | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Barber County Kansas | 1 | $ 3,000 | $ 3,000 | $ 34,000 |
| Brown County Kansas | 1 | $ 15,000 | $ 15,000 | $ 51,000 |
| Chase County Kansas | 1 | $ 16,000 | $ 16,000 | $ 35,000 |
| Graham County Kansas | 1 | $ 24,000 | $ 24,000 | $ 64,000 |
| Gray County Kansas | 1 | $ 8,000 | $ 8,000 | $ 162,000 |
| Jewell County Kansas | 1 | $ 13,000 | $ 13,000 | $ 43,000 |
| Morris County Kansas | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Osborne County Kansas | 1 | $ 73,000 | $ 73,000 | $ 46,000 |
| Pawnee County Kansas | 1 | $ 40,000 | $ 40,000 | $ 13,000 |
| Pratt County Kansas | 1 | $ 12,000 | $ 12,000 | $ 72,000 |
| Republic County Kansas | 1 | $ 6,000 | $ 6,000 | $ 22,000 |
| Rush County Kansas | 1 | $ 7,000 | $ 7,000 | $ 22,000 |
| Wabaunsee County Kansas | 1 | $ 81,000 | $ 81,000 | $ 140,000 |
| Christian County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Baltimore County Maryland | 1 | $ 56,000 | $ 56,000 | $ 54,000 |
| Plymouth County Massachusetts | 1 | $ 30,000 | $ 30,000 | $ 91,000 |
| Genesee County Michigan | 1 | $ 15,000 | $ 15,000 | $ 9,000 |
| Pine County Minnesota | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Marshall County Mississippi | 1 | $ 16,000 | $ 16,000 | $ 32,000 |
| Adair County Missouri | 1 | $ 27,000 | $ 27,000 | $ 56,000 |
| Dallas County Missouri | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| Daviess County Missouri | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Gentry County Missouri | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Iron County Missouri | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Macon County Missouri | 1 | $ 15,000 | $ 15,000 | $ 119,000 |
| Madison County Missouri | 1 | $ 6,000 | $ 6,000 | $ 65,000 |
| Maries County Missouri | 1 | $ 22,000 | $ 22,000 | $ 128,000 |
| Oregon County Missouri | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Osage County Missouri | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Perry County Missouri | 1 | $ 6,000 | $ 6,000 | $ 77,000 |
| Putnam County Missouri | 1 | $ 122,000 | $ 122,000 | $ 33,000 |
| Texas County Missouri | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Adams County Nebraska | 1 | $ 56,000 | $ 56,000 | $ 100,000 |
| Cass County Nebraska | 1 | $ 22,000 | $ 22,000 | $ 79,000 |
| Red Willow County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| New York County New York | 1 | $ 600,000 | $ 600,000 | $ 131,000 |
| Richmond County New York | 1 | $ 210,000 | $ 210,000 | $ 143,000 |
| Guilford County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Kingfisher County Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 23,000 |
| Logan County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Osage County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 23,000 |
| Pawnee County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Pottawatomie County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Seminole County Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 79,000 |
| Wagoner County Oklahoma | 1 | $ 450,000 | $ 450,000 | $ 162,000 |
| Washington County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 31,000 |
| Multnomah County Oregon | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Horry County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 124,000 |
| Denton County Texas | 1 | $ 50,000 | $ 50,000 | $ 168,000 |
| Fort Bend County Texas | 1 | $ 324,000 | $ 324,000 | $ 99,000 |
| Gregg County Texas | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Taylor County Texas | 1 | $ 50,000 | $ 50,000 | $ 185,000 |
| Travis County Texas | 1 | $ 160,000 | $ 160,000 | $ 22,000 |
| Fairfax County Virginia | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Umb Bank, Na in 2005
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 | 3,721 | $36,903,000 | $32,333 | $254,000 | $61,777 | $427,000 |
| Home Purchase | 598 | $62,220,000 | $150,812 | $1,282,000 | $83,687 | $2,187,000 |
| Refinancing | 593 | $56,360,000 | $116,416 | $1,035,000 | $92,916 | $1,281,000 |
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 | 3,705 | $120,858,000 | $97,428 | $1,282,000 | $81,666 | $2,187,000 |
| Black or African American | 565 | $11,556,000 | $65,250 | $506,000 | $43,500 | $300,000 |
| Not Provided | 413 | $13,400,000 | $61,545 | $450,000 | $73,363 | $360,000 |
| Hispanic | 121 | $3,352,000 | $58,000 | $170,000 | $57,666 | $180,000 |
| Asian | 47 | $1,861,000 | $60,666 | $220,000 | $63,166 | $140,000 |
| American Indian or Alaskan Native | 27 | $1,232,000 | $45,000 | $179,000 | $46,000 | $95,000 |
| Not applicable | 22 | $2,897,000 | $206,000 | $480,000 | $133,500 | $470,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $327,000 | $16,666 | $150,000 | $52,666 | $85,000 |
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) | 4,912 | $155,483,000 | $84,250 | $1,282,000 | $72,892 | $2,187,000 |
| 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 | 2,848 | $112,842,000 | $127,500 | $1,282,000 | $92,187 | $2,187,000 |
| Application Denied By Financial Institution | 1,536 | $23,910,000 | $35,052 | $506,000 | $58,578 | $427,000 |
| Application Approved But Not Accepted | 452 | $10,644,000 | $72,125 | $270,000 | $51,750 | $252,000 |
| Application Withdrawn By Applicant | 52 | $5,454,000 | $140,600 | $1,029,000 | $105,000 | $1,281,000 |
| File Closed For Incompleteness | 24 | $2,633,000 | $155,250 | $440,000 | $153,250 | $480,000 |
| 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 | 772 | $7,229,000 | $7,000 | $241,000 | $46,600 | $427,000 |
| Debt-To-Income Ratio | 602 | $7,745,000 | $11,750 | $190,000 | $42,750 | $246,000 |
| Collateral | 102 | $7,326,000 | $68,428 | $506,000 | $48,714 | $276,000 |
| Other | 41 | $950,000 | $29,187 | $115,000 | $66,187 | $168,000 |
| Employment History | 14 | $182,000 | $14,500 | $35,000 | $55,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $474,000 | $118,000 | $212,000 | $65,000 | $130,000 |
| Credit Application Incomplete | 1 | $4,000 | $4,000 | $4,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Umb Bank, Na's 2005 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.
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