Umb Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Umb Bank, Na 2008 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 | 3,991 |
| Total Mortgage Loan Application Amount | $390,986,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $42,055,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $5,411,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 475 | $ 18,442,000 | $ 38,000 | $ 84,000 |
| Jackson County Missouri | 439 | $ 33,110,000 | $ 75,000 | $ 71,000 |
| Johnson County Kansas | 324 | $ 40,423,000 | $ 124,000 | $ 107,000 |
| St. Charles County Missouri | 240 | $ 8,189,000 | $ 34,000 | $ 74,000 |
| Clay County Missouri | 182 | $ 13,301,000 | $ 73,000 | $ 76,000 |
| St. Clair County Illinois | 113 | $ 4,353,000 | $ 38,000 | $ 59,000 |
| St. Louis City County Missouri | 102 | $ 11,248,000 | $ 110,000 | $ 105,000 |
| Wyandotte County Kansas | 98 | $ 4,825,000 | $ 49,000 | $ 60,000 |
| Jefferson County Missouri | 93 | $ 3,554,000 | $ 38,000 | $ 70,000 |
| Buchanan County Missouri | 92 | $ 8,677,000 | $ 94,000 | $ 58,000 |
| Greene County Missouri | 87 | $ 6,915,000 | $ 79,000 | $ 82,000 |
| Sedgwick County Kansas | 86 | $ 3,825,000 | $ 44,000 | $ 70,000 |
| Bourbon County Kansas | 76 | $ 5,217,000 | $ 68,000 | $ 68,000 |
| Johnson County Missouri | 73 | $ 9,673,000 | $ 132,000 | $ 160,000 |
| Madison County Illinois | 68 | $ 3,609,000 | $ 53,000 | $ 78,000 |
| Platte County Missouri | 61 | $ 7,890,000 | $ 129,000 | $ 122,000 |
| Boone County Missouri | 60 | $ 3,784,000 | $ 63,000 | $ 90,000 |
| Shawnee County Kansas | 51 | $ 4,539,000 | $ 89,000 | $ 72,000 |
| Jasper County Missouri | 49 | $ 3,303,000 | $ 67,000 | $ 51,000 |
| Cass County Missouri | 48 | $ 3,175,000 | $ 66,000 | $ 77,000 |
| Oklahoma County Oklahoma | 48 | $ 7,075,000 | $ 147,000 | $ 158,000 |
| Benton County Missouri | 47 | $ 4,192,000 | $ 89,000 | $ 66,000 |
| Henry County Missouri | 45 | $ 7,166,000 | $ 159,000 | $ 87,000 |
| Cooper County Missouri | 42 | $ 5,040,000 | $ 120,000 | $ 73,000 |
| El Paso County Colorado | 35 | $ 5,057,000 | $ 144,000 | $ 65,000 |
| Atchison County Kansas | 35 | $ 45,580,000 | $ 1,302,000 | $ 48,000 |
| Linn County Missouri | 34 | $ 3,501,000 | $ 102,000 | $ 68,000 |
| Denver County Colorado | 28 | $ 8,574,000 | $ 306,000 | $ 155,000 |
| Barry County Missouri | 28 | $ 2,100,000 | $ 75,000 | $ 37,000 |
| Douglas County Kansas | 23 | $ 2,572,000 | $ 111,000 | $ 86,000 |
| Leavenworth County Kansas | 22 | $ 1,317,000 | $ 59,000 | $ 73,000 |
| Saline County Kansas | 22 | $ 1,672,000 | $ 76,000 | $ 73,000 |
| Cole County Missouri | 22 | $ 2,401,000 | $ 109,000 | $ 92,000 |
| Douglas County Nebraska | 21 | $ 3,098,000 | $ 147,000 | $ 97,000 |
| Christian County Missouri | 20 | $ 1,065,000 | $ 53,000 | $ 50,000 |
| Butler County Kansas | 18 | $ 1,067,000 | $ 59,000 | $ 74,000 |
| Marion County Illinois | 17 | $ 337,000 | $ 19,000 | $ 66,000 |
| Andrew County Missouri | 17 | $ 2,639,000 | $ 155,000 | $ 90,000 |
| Pettis County Missouri | 17 | $ 2,255,000 | $ 132,000 | $ 144,000 |
| Newton County Missouri | 16 | $ 1,522,000 | $ 95,000 | $ 50,000 |
| Russell County Kansas | 15 | $ 620,000 | $ 41,000 | $ 59,000 |
| Dickinson County Kansas | 14 | $ 1,412,000 | $ 100,000 | $ 74,000 |
| Monroe County Missouri | 14 | $ 804,000 | $ 57,000 | $ 116,000 |
| Miami County Kansas | 13 | $ 1,144,000 | $ 88,000 | $ 101,000 |
| Riley County Kansas | 13 | $ 1,744,000 | $ 134,000 | $ 54,000 |
| Arapahoe County Colorado | 12 | $ 3,283,000 | $ 273,000 | $ 179,000 |
| Lawrence County Missouri | 12 | $ 858,000 | $ 71,000 | $ 60,000 |
| Reno County Kansas | 11 | $ 86,000 | $ 7,000 | $ 62,000 |
| Howard County Missouri | 11 | $ 1,407,000 | $ 127,000 | $ 74,000 |
| Harvey County Kansas | 10 | $ 157,000 | $ 15,000 | $ 85,000 |
| Franklin County Missouri | 10 | $ 356,000 | $ 35,000 | $ 83,000 |
| Lincoln County Missouri | 10 | $ 200,000 | $ 20,000 | $ 50,000 |
| Jefferson County Colorado | 9 | $ 2,053,000 | $ 228,000 | $ 112,000 |
| Clinton County Missouri | 9 | $ 94,000 | $ 10,000 | $ 63,000 |
| Lafayette County Missouri | 9 | $ 293,000 | $ 32,000 | $ 47,000 |
| Ray County Missouri | 9 | $ 204,000 | $ 22,000 | $ 60,000 |
| Vernon County Missouri | 9 | $ 2,172,000 | $ 241,000 | $ 185,000 |
| Warren County Missouri | 9 | $ 78,000 | $ 8,000 | $ 60,000 |
| Tulsa County Oklahoma | 9 | $ 2,056,000 | $ 228,000 | $ 73,000 |
| Maricopa County Arizona | 8 | $ 3,545,000 | $ 443,000 | $ 285,000 |
| Douglas County Colorado | 8 | $ 2,320,000 | $ 290,000 | $ 122,000 |
| Camden County Missouri | 8 | $ 1,241,000 | $ 155,000 | $ 237,000 |
| Sullivan County Missouri | 8 | $ 518,000 | $ 64,000 | $ 58,000 |
| Polk County Missouri | 7 | $ 88,000 | $ 12,000 | $ 48,000 |
| St. Clair County Missouri | 7 | $ 540,000 | $ 77,000 | $ 370,000 |
| Jefferson County Illinois | 6 | $ 44,000 | $ 7,000 | $ 61,000 |
| Macon County Missouri | 6 | $ 291,000 | $ 48,000 | $ 70,000 |
| Taney County Missouri | 6 | $ 445,000 | $ 74,000 | $ 103,000 |
| Pottawatomie County Kansas | 5 | $ 336,000 | $ 67,000 | $ 63,000 |
| Bates County Missouri | 5 | $ 3,391,000 | $ 678,000 | $ 437,000 |
| Morgan County Missouri | 5 | $ 625,000 | $ 125,000 | $ 90,000 |
| Nodaway County Missouri | 5 | $ 392,000 | $ 78,000 | $ 114,000 |
| Webster County Missouri | 5 | $ 175,000 | $ 35,000 | $ 63,000 |
| Cleveland County Oklahoma | 5 | $ 689,000 | $ 137,000 | $ 144,000 |
| Boulder County Colorado | 4 | $ 1,032,000 | $ 258,000 | $ 357,000 |
| Summit County Colorado | 4 | $ 1,163,000 | $ 290,000 | $ 119,000 |
| Lee County Florida | 4 | $ 1,286,000 | $ 321,000 | $ 192,000 |
| Cook County Illinois | 4 | $ 1,181,000 | $ 295,000 | $ 199,000 |
| Franklin County Illinois | 4 | $ 28,000 | $ 7,000 | $ 34,000 |
| Macoupin County Illinois | 4 | $ 28,000 | $ 7,000 | $ 53,000 |
| Ellsworth County Kansas | 4 | $ 414,000 | $ 103,000 | $ 61,000 |
| Franklin County Kansas | 4 | $ 45,000 | $ 11,000 | $ 65,000 |
| McPherson County Kansas | 4 | $ 127,000 | $ 31,000 | $ 46,000 |
| Sumner County Kansas | 4 | $ 200,000 | $ 50,000 | $ 95,000 |
| Audrain County Missouri | 4 | $ 76,000 | $ 19,000 | $ 56,000 |
| Callaway County Missouri | 4 | $ 352,000 | $ 88,000 | $ 65,000 |
| Chariton County Missouri | 4 | $ 302,000 | $ 75,000 | $ 71,000 |
| Pulaski County Missouri | 4 | $ 164,000 | $ 41,000 | $ 54,000 |
| Ralls County Missouri | 4 | $ 163,000 | $ 40,000 | $ 76,000 |
| Barton County Kansas | 3 | $ 30,000 | $ 10,000 | $ 53,000 |
| Geary County Kansas | 3 | $ 344,000 | $ 114,000 | $ 72,000 |
| Linn County Kansas | 3 | $ 75,000 | $ 25,000 | $ 56,000 |
| Wabaunsee County Kansas | 3 | $ 205,000 | $ 68,000 | $ 64,000 |
| Barton County Missouri | 3 | $ 9,143,000 | $ 3,047,000 | $ 27,000 |
| DeKalb County Missouri | 3 | $ 50,000 | $ 16,000 | $ 57,000 |
| Grundy County Missouri | 3 | $ 497,000 | $ 165,000 | $ 130,000 |
| Hickory County Missouri | 3 | $ 92,000 | $ 30,000 | $ 16,000 |
| Iron County Missouri | 3 | $ 188,000 | $ 62,000 | $ 75,000 |
| Livingston County Missouri | 3 | $ 456,000 | $ 152,000 | $ 87,000 |
| Marion County Missouri | 3 | $ 164,000 | $ 54,000 | $ 49,000 |
| Randolph County Missouri | 3 | $ 106,000 | $ 35,000 | $ 57,000 |
| Clark County Nevada | 3 | $ 765,000 | $ 255,000 | $ 136,000 |
| Carroll County Arkansas | 2 | $ 361,000 | $ 180,000 | $ 350,000 |
| Riverside County California | 2 | $ 758,000 | $ 379,000 | $ 167,000 |
| Adams County Colorado | 2 | $ 296,000 | $ 148,000 | $ 36,000 |
| Chaffee County Colorado | 2 | $ 244,000 | $ 122,000 | $ 86,000 |
| Eagle County Colorado | 2 | $ 2,000,000 | $ 1,000,000 | $ 1,575,000 |
| Larimer County Colorado | 2 | $ 559,000 | $ 279,000 | $ 137,000 |
| Park County Colorado | 2 | $ 340,000 | $ 170,000 | $ 116,000 |
| Clay County Illinois | 2 | $ 27,000 | $ 13,000 | $ 30,000 |
| Edwards County Illinois | 2 | $ 30,000 | $ 15,000 | $ 120,000 |
| Jackson County Illinois | 2 | $ 104,000 | $ 52,000 | $ 93,000 |
| Monroe County Illinois | 2 | $ 487,000 | $ 243,000 | $ 112,000 |
| Saline County Illinois | 2 | $ 17,000 | $ 8,000 | $ 48,000 |
| Washington County Illinois | 2 | $ 25,000 | $ 12,000 | $ 59,000 |
| Cherokee County Kansas | 2 | $ 71,000 | $ 35,000 | $ 99,000 |
| Crawford County Kansas | 2 | $ 91,000 | $ 45,000 | $ 59,000 |
| Doniphan County Kansas | 2 | $ 503,000 | $ 251,000 | $ 129,000 |
| Ellis County Kansas | 2 | $ 373,000 | $ 186,000 | $ 112,000 |
| Kingman County Kansas | 2 | $ 15,000 | $ 7,000 | $ 96,000 |
| Labette County Kansas | 2 | $ 13,000 | $ 6,000 | $ 46,000 |
| Lincoln County Kansas | 2 | $ 159,000 | $ 79,000 | $ 61,000 |
| Montgomery County Kansas | 2 | $ 167,000 | $ 83,000 | $ 82,000 |
| Pratt County Kansas | 2 | $ 16,000 | $ 8,000 | $ 65,000 |
| Adair County Missouri | 2 | $ 170,000 | $ 85,000 | $ 47,000 |
| Holt County Missouri | 2 | $ 132,000 | $ 66,000 | $ 126,000 |
| Howell County Missouri | 2 | $ 131,000 | $ 65,000 | $ 41,000 |
| Laclede County Missouri | 2 | $ 9,000 | $ 4,000 | $ 89,000 |
| Miller County Missouri | 2 | $ 291,000 | $ 145,000 | $ 171,000 |
| Osage County Missouri | 2 | $ 238,000 | $ 119,000 | $ 111,000 |
| Pawnee County Oklahoma | 2 | $ 101,000 | $ 50,000 | $ 41,000 |
| Harris County Texas | 2 | $ 247,000 | $ 123,000 | $ 129,000 |
| Mobile County Alabama | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Pima County Arizona | 1 | $ 89,000 | $ 89,000 | $ 89,000 |
| Baxter County Arkansas | 1 | $ 11,000 | $ 11,000 | $ 30,000 |
| Napa County California | 1 | $ 163,000 | $ 163,000 | $ 103,000 |
| Orange County California | 1 | $ 260,000 | $ 260,000 | $ 197,000 |
| San Diego County California | 1 | $ 218,000 | $ 218,000 | $ 173,000 |
| Sonoma County California | 1 | $ 272,000 | $ 272,000 | $ 72,000 |
| Pueblo County Colorado | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Routt County Colorado | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Weld County Colorado | 1 | $ 81,000 | $ 81,000 | $ 27,000 |
| Brevard County Florida | 1 | $ 135,000 | $ 135,000 | $ 173,000 |
| Charlotte County Florida | 1 | $ 116,000 | $ 116,000 | $ 47,000 |
| Collier County Florida | 1 | $ 476,000 | $ 476,000 | $ 987,000 |
| Orange County Florida | 1 | $ 233,000 | $ 233,000 | $ 43,000 |
| Osceola County Florida | 1 | $ 236,000 | $ 236,000 | $ 52,000 |
| Pinellas County Florida | 1 | $ 226,000 | $ 226,000 | $ 131,000 |
| St. Johns County Florida | 1 | $ 300,000 | $ 300,000 | $ 60,000 |
| Clinton County Illinois | 1 | $ 2,000 | $ 2,000 | $ 48,000 |
| Fayette County Illinois | 1 | $ 4,000 | $ 4,000 | $ 17,000 |
| Gallatin County Illinois | 1 | $ 4,000 | $ 4,000 | $ 53,000 |
| Johnson County Illinois | 1 | $ 7,000 | $ 7,000 | $ 100,000 |
| Massac County Illinois | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| McLean County Illinois | 1 | $ 30,000 | $ 30,000 | $ 196,000 |
| Randolph County Illinois | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Sangamon County Illinois | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| Wayne County Illinois | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Pottawattamie County Iowa | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Chase County Kansas | 1 | $ 56,000 | $ 56,000 | $ 46,000 |
| Coffey County Kansas | 1 | $ 21,000 | $ 21,000 | $ 14,000 |
| Comanche County Kansas | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Cowley County Kansas | 1 | $ 4,000 | $ 4,000 | $ 61,000 |
| Greenwood County Kansas | 1 | $ 10,000 | $ 10,000 | $ 104,000 |
| Harper County Kansas | 1 | $ 16,000 | $ 16,000 | $ 80,000 |
| Jefferson County Kansas | 1 | $ 192,000 | $ 192,000 | $ 330,000 |
| Kiowa County Kansas | 1 | $ 5,000 | $ 5,000 | $ 175,000 |
| Lane County Kansas | 1 | $ 13,000 | $ 13,000 | $ 71,000 |
| Lyon County Kansas | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Marshall County Kansas | 1 | $ 12,000 | $ 12,000 | $ 30,000 |
| Meade County Kansas | 1 | $ 7,000 | $ 7,000 | $ 26,000 |
| Ness County Kansas | 1 | $ 18,000 | $ 18,000 | $ 118,000 |
| Ottawa County Kansas | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Fayette County Kentucky | 1 | $ 141,000 | $ 141,000 | $ 45,000 |
| Butler County Missouri | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Cape Girardeau County Missouri | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Carroll County Missouri | 1 | $ 37,000 | $ 37,000 | $ 21,000 |
| Cedar County Missouri | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Dade County Missouri | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Daviess County Missouri | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Douglas County Missouri | 1 | $ 2,000 | $ 2,000 | $ 62,000 |
| Gentry County Missouri | 1 | $ 108,000 | $ 108,000 | $ 44,000 |
| McDonald County Missouri | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Montgomery County Missouri | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Pike County Missouri | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Ripley County Missouri | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| Saline County Missouri | 1 | $ 28,000 | $ 28,000 | $ 22,000 |
| St. Francois County Missouri | 1 | $ 16,000 | $ 16,000 | $ 139,000 |
| Stoddard County Missouri | 1 | $ 33,000 | $ 33,000 | $ 24,000 |
| Stone County Missouri | 1 | $ 144,000 | $ 144,000 | $ 218,000 |
| Butler County Nebraska | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Dodge County Nebraska | 1 | $ 180,000 | $ 180,000 | $ 350,000 |
| Sarpy County Nebraska | 1 | $ 322,000 | $ 322,000 | $ 49,000 |
| Washington County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Suffolk County New York | 1 | $ 414,000 | $ 414,000 | $ 81,000 |
| Beckham County Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 111,000 |
| Caddo County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Canadian County Oklahoma | 1 | $ 147,000 | $ 147,000 | $ 31,000 |
| Cherokee County Oklahoma | 1 | $ 280,000 | $ 280,000 | $ 365,000 |
| Choctaw County Oklahoma | 1 | $ 301,000 | $ 301,000 | $ 199,000 |
| Creek County Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 26,000 |
| Garvin County Oklahoma | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Grady County Oklahoma | 1 | $ 188,000 | $ 188,000 | $ 110,000 |
| Johnston County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 11,000 |
| Logan County Oklahoma | 1 | $ 106,000 | $ 106,000 | $ 32,000 |
| Marshall County Oklahoma | 1 | $ 190,000 | $ 190,000 | $ 330,000 |
| Rogers County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Wagoner County Oklahoma | 1 | $ 118,000 | $ 118,000 | $ 63,000 |
| Deschutes County Oregon | 1 | $ 649,000 | $ 649,000 | $ 188,000 |
| Chester County Pennsylvania | 1 | $ 775,000 | $ 775,000 | $ 764,000 |
| Charleston County South Carolina | 1 | $ 508,000 | $ 508,000 | $ 650,000 |
| Dallas County Texas | 1 | $ 214,000 | $ 214,000 | $ 158,000 |
| El Paso County Texas | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Johnson County Texas | 1 | $ 127,000 | $ 127,000 | $ 100,000 |
| Clark County Washington | 1 | $ 352,000 | $ 352,000 | $ 138,000 |
| King County Washington | 1 | $ 500,000 | $ 500,000 | $ 150,000 |
| Iowa County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 192,000 |
| Albany County Wyoming | 1 | $ 33,000 | $ 33,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Umb Bank, Na in 2008
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 | 2,015 | $27,859,000 | $13,000 | $4,000,000 | $71,000 | $2,500,000 |
| Refinancing | 1,240 | $252,083,000 | $203,000 | $42,055,000 | $94,000 | $3,000,000 |
| Home Purchase | 736 | $111,044,000 | $150,000 | $1,340,000 | $112,000 | $5,411,000 |
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 | 3,152 | $247,505,000 | $78,000 | $4,000,000 | $91,000 | $5,411,000 |
| Black or African American | 305 | $9,598,000 | $31,000 | $299,000 | $61,000 | $360,000 |
| Not Provided | 178 | $25,952,000 | $145,000 | $1,000,000 | $111,000 | $2,196,000 |
| Hispanic | 133 | $7,716,000 | $58,000 | $323,000 | $68,000 | $750,000 |
| Not applicable | 122 | $89,999,000 | $737,000 | $42,055,000 | $0 | $38,000 |
| Asian | 61 | $8,245,000 | $135,000 | $1,200,000 | $97,000 | $600,000 |
| American Indian or Alaskan Native | 30 | $1,022,000 | $34,000 | $187,000 | $66,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $949,000 | $94,000 | $414,000 | $109,000 | $265,000 |
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) | 3,991 | $390,986,000 | $97,000 | $42,055,000 | $86,000 | $5,411,000 |
| 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 | 1,945 | $257,080,000 | $132,000 | $42,055,000 | $95,000 | $5,411,000 |
| Application Denied By Financial Institution | 1,249 | $39,221,000 | $31,000 | $656,000 | $63,000 | $900,000 |
| Application Approved But Not Accepted | 700 | $80,558,000 | $115,000 | $1,200,000 | $99,000 | $1,575,000 |
| Preapproval Approved but not Accepted | 68 | $10,382,000 | $152,000 | $417,000 | $81,000 | $600,000 |
| Application Withdrawn By Applicant | 19 | $2,609,000 | $137,000 | $486,000 | $86,000 | $375,000 |
| File Closed For Incompleteness | 8 | $607,000 | $75,000 | $175,000 | $63,000 | $115,000 |
| Preapproval Denied by Financial Institution | 2 | $529,000 | $264,000 | $304,000 | $85,000 | $111,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 541 | $12,648,000 | $23,000 | $656,000 | $53,000 | $190,000 |
| Credit History | 506 | $8,978,000 | $17,000 | $374,000 | $68,000 | $360,000 |
| Collateral | 106 | $11,807,000 | $111,000 | $521,000 | $76,000 | $300,000 |
| Other | 60 | $2,570,000 | $42,000 | $257,000 | $99,000 | $900,000 |
| Employment History | 11 | $250,000 | $22,000 | $84,000 | $50,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,503,000 | $136,000 | $509,000 | $68,000 | $248,000 |
| Credit Application Incomplete | 9 | $1,158,000 | $128,000 | $264,000 | $87,000 | $330,000 |
| Unverifiable Information | 7 | $836,000 | $119,000 | $319,000 | $37,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Umb Bank, Na's 2008 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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