UMB Bank NA Mortgage Lending & HMDA Data, 2014
In 2014, UMB Bank NA of Kansas City, MO reported 1,748 mortgage applications totaling $357.4 million, down 20% from 2013. The average application was for $204,460, and applicants reported an average income of $123,726. 41% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Kansas City, MO-KS (466), St. Louis, MO-IL (130) and Denver-Aurora-Lakewood, CO (61) (applications in parentheses).
| Mortgage Company & Address | UMB Bank NA 1010 Grand Blvd Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,748 |
| Total Mortgage Loan Application Amount | $357,397,000 |
| Average Mortgage Loan Application Amount | $204,460 |
| Highest Mortgage Loan Application Amount | $8,971,000 |
| Average Applicant Income | $123,726 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records UMB Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Missouri | 190 | $ 40,991,000 | $ 215,742 | $ 90,000 |
| Johnson, Kansas | 129 | $ 27,451,000 | $ 212,798 | $ 131,000 |
| Clay, Missouri | 65 | $ 9,151,000 | $ 140,784 | $ 80,000 |
| St. Louis, Missouri | 61 | $ 10,726,000 | $ 175,836 | $ 157,000 |
| Buchanan, Missouri | 44 | $ 4,138,000 | $ 94,045 | $ 55,000 |
| Denver, Colorado | 30 | $ 12,614,000 | $ 420,466 | $ 369,000 |
| Platte, Missouri | 29 | $ 6,096,000 | $ 210,206 | $ 158,000 |
| El Paso, Colorado | 27 | $ 5,088,000 | $ 188,444 | $ 147,000 |
| Sedgwick, Kansas | 25 | $ 5,601,000 | $ 224,040 | $ 107,000 |
| St. Charles, Missouri | 25 | $ 3,447,000 | $ 137,880 | $ 49,000 |
| Maricopa, Arizona | 24 | $ 9,511,000 | $ 396,291 | $ 349,000 |
| Wyandotte, Kansas | 21 | $ 3,007,000 | $ 143,190 | $ 100,000 |
| Greene, Missouri | 21 | $ 3,964,000 | $ 188,761 | $ 156,000 |
| Arapahoe, Colorado | 17 | $ 6,031,000 | $ 354,764 | $ 234,000 |
| Boone, Missouri | 16 | $ 3,040,000 | $ 190,000 | $ 53,000 |
| Cass, Missouri | 16 | $ 2,921,000 | $ 182,562 | $ 94,000 |
| Oklahoma, Oklahoma | 16 | $ 5,468,000 | $ 341,750 | $ 234,000 |
| Bourbon, Kansas | 14 | $ 1,118,000 | $ 79,857 | $ 55,000 |
| St. Clair, Illinois | 13 | $ 1,551,000 | $ 119,307 | $ 114,000 |
| Riley, Kansas | 13 | $ 1,144,000 | $ 88,000 | $ 42,000 |
| Dickinson, Kansas | 12 | $ 926,000 | $ 77,166 | $ 44,000 |
| Shawnee, Kansas | 12 | $ 1,389,000 | $ 115,750 | $ 59,000 |
| Jasper, Missouri | 12 | $ 1,160,000 | $ 96,666 | $ 64,000 |
| Saline, Kansas | 10 | $ 1,106,000 | $ 110,600 | $ 78,000 |
| Cooper, Missouri | 10 | $ 1,054,000 | $ 105,400 | $ 44,000 |
| Jefferson, Missouri | 10 | $ 1,073,000 | $ 107,300 | $ 83,000 |
| Lawrence, Missouri | 10 | $ 677,000 | $ 67,700 | $ 43,000 |
| St. Louis City, Missouri | 10 | $ 2,149,000 | $ 214,900 | $ 47,000 |
| Madison, Illinois | 9 | $ 998,000 | $ 110,888 | $ 74,000 |
| Atchison, Kansas | 9 | $ 793,000 | $ 88,111 | $ 45,000 |
| Cole, Missouri | 9 | $ 1,149,000 | $ 127,666 | $ 68,000 |
| Johnson, Missouri | 9 | $ 1,060,000 | $ 117,777 | $ 116,000 |
| Andrew, Missouri | 8 | $ 1,271,000 | $ 158,875 | $ 65,000 |
| Benton, Missouri | 8 | $ 515,000 | $ 64,375 | $ 36,000 |
| Henry, Missouri | 8 | $ 891,000 | $ 111,375 | $ 75,000 |
| Linn, Missouri | 8 | $ 854,000 | $ 106,750 | $ 54,000 |
| Douglas, Nebraska | 8 | $ 1,697,000 | $ 212,125 | $ 302,000 |
| Adams, Colorado | 6 | $ 1,325,000 | $ 220,833 | $ 120,000 |
| Christian, Missouri | 6 | $ 886,000 | $ 147,666 | $ 72,000 |
| Sullivan, Missouri | 6 | $ 713,000 | $ 118,833 | $ 59,000 |
| Butler, Kansas | 5 | $ 4,815,000 | $ 963,000 | $ 98,000 |
| Barry, Missouri | 5 | $ 531,000 | $ 106,200 | $ 189,000 |
| Ray, Missouri | 5 | $ 414,000 | $ 82,800 | $ 38,000 |
| Tulsa, Oklahoma | 5 | $ 587,000 | $ 117,400 | $ 60,000 |
| Douglas, Colorado | 4 | $ 1,827,000 | $ 456,750 | $ 228,000 |
| Camden, Missouri | 4 | $ 2,023,000 | $ 505,750 | $ 3,124,000 |
| Lafayette, Missouri | 4 | $ 539,000 | $ 134,750 | $ 110,000 |
| Stone, Missouri | 4 | $ 997,000 | $ 249,250 | $ 397,000 |
| Los Angeles, California | 3 | $ 12,504,000 | $ 4,168,000 | $ 354,000 |
| Jefferson, Colorado | 3 | $ 1,012,000 | $ 337,333 | $ 110,000 |
| Summit, Colorado | 3 | $ 904,000 | $ 301,333 | $ 273,000 |
| Crawford, Kansas | 3 | $ 378,000 | $ 126,000 | $ 41,000 |
| Ellis, Kansas | 3 | $ 294,000 | $ 98,000 | $ 48,000 |
| Leavenworth, Kansas | 3 | $ 517,000 | $ 172,333 | $ 12,000 |
| Russell, Kansas | 3 | $ 440,000 | $ 146,666 | $ 50,000 |
| Stafford, Kansas | 3 | $ 444,000 | $ 148,000 | $ 167,000 |
| Vernon, Missouri | 3 | $ 339,000 | $ 113,000 | $ 57,000 |
| Weber, Utah | 3 | $ 587,000 | $ 195,666 | $ 235,000 |
| Pinal, Arizona | 2 | $ 503,000 | $ 251,500 | $ 214,000 |
| Boulder, Colorado | 2 | $ 371,000 | $ 185,500 | $ 150,000 |
| Eagle, Colorado | 2 | $ 1,290,000 | $ 645,000 | $ 1,583,000 |
| Larimer, Colorado | 2 | $ 3,560,000 | $ 1,780,000 | $ 1,884,000 |
| Mesa, Colorado | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Pitkin, Colorado | 2 | $ 1,200,000 | $ 600,000 | $ 435,000 |
| Broward, Florida | 2 | $ 955,000 | $ 477,500 | $ 1,562,000 |
| Walton, Florida | 2 | $ 2,985,000 | $ 1,492,500 | $ 594,000 |
| Cloud, Kansas | 2 | $ 149,000 | $ 74,500 | $ 104,000 |
| Linn, Kansas | 2 | $ 170,000 | $ 85,000 | $ 202,000 |
| Osage, Kansas | 2 | $ 279,000 | $ 139,500 | $ 43,000 |
| Pottawatomie, Kansas | 2 | $ 168,000 | $ 84,000 | $ 52,000 |
| Reno, Kansas | 2 | $ 455,000 | $ 227,500 | $ 0 |
| Adair, Missouri | 2 | $ 410,000 | $ 205,000 | $ 62,000 |
| Cedar, Missouri | 2 | $ 56,000 | $ 28,000 | $ 50,000 |
| Howard, Missouri | 2 | $ 536,000 | $ 268,000 | $ 33,000 |
| Newton, Missouri | 2 | $ 136,000 | $ 68,000 | $ 32,000 |
| Pettis, Missouri | 2 | $ 276,000 | $ 138,000 | $ 79,000 |
| Taney, Missouri | 2 | $ 235,000 | $ 117,500 | $ 34,000 |
| Webster, Missouri | 2 | $ 218,000 | $ 109,000 | $ 75,000 |
| Knox, Nebraska | 2 | $ 77,000 | $ 38,500 | $ 120,000 |
| Canadian, Oklahoma | 2 | $ 289,000 | $ 144,500 | $ 85,000 |
| Cleveland, Oklahoma | 2 | $ 274,000 | $ 137,000 | $ 27,000 |
| Hamilton, Tennessee | 2 | $ 461,000 | $ 230,500 | $ 194,000 |
| Kenai Peninsula, Alaska | 1 | $ 2,840,000 | $ 2,840,000 | $ 530,000 |
| Navajo, Arizona | 1 | $ 80,000 | $ 80,000 | $ 805,000 |
| Yavapai, Arizona | 1 | $ 355,000 | $ 355,000 | $ 134,000 |
| Saline, Arkansas | 1 | $ 352,000 | $ 352,000 | $ 120,000 |
| Mendocino, California | 1 | $ 762,000 | $ 762,000 | $ 157,000 |
| Monterey, California | 1 | $ 417,000 | $ 417,000 | $ 287,000 |
| Orange, California | 1 | $ 200,000 | $ 200,000 | $ 5,000 |
| San Diego, California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Santa Clara, California | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Elbert, Colorado | 1 | $ 279,000 | $ 279,000 | $ 401,000 |
| Fremont, Colorado | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Routt, Colorado | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| San Miguel, Colorado | 1 | $ 4,400,000 | $ 4,400,000 | $ 1,597,000 |
| Teller, Colorado | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Weld, Colorado | 1 | $ 257,000 | $ 257,000 | $ 80,000 |
| Fairfield, Connecticut | 1 | $ 600,000 | $ 600,000 | $ 331,000 |
| Collier, Florida | 1 | $ 3,200,000 | $ 3,200,000 | $ 1,597,000 |
| Nassau, Florida | 1 | $ 758,000 | $ 758,000 | $ 1,007,000 |
| Pinellas, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Bond, Illinois | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Clinton, Illinois | 1 | $ 53,000 | $ 53,000 | $ 36,000 |
| DuPage, Illinois | 1 | $ 262,000 | $ 262,000 | $ 1,462,000 |
| Pottawattamie, Iowa | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Allen, Kansas | 1 | $ 394,000 | $ 394,000 | $ 169,000 |
| Barton, Kansas | 1 | $ 111,000 | $ 111,000 | $ 67,000 |
| Clay, Kansas | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Coffey, Kansas | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Franklin, Kansas | 1 | $ 88,000 | $ 88,000 | $ 67,000 |
| Geary, Kansas | 1 | $ 84,000 | $ 84,000 | $ 100,000 |
| Harvey, Kansas | 1 | $ 116,000 | $ 116,000 | $ 57,000 |
| Marion, Kansas | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Miami, Kansas | 1 | $ 215,000 | $ 215,000 | $ 280,000 |
| Washington, Kansas | 1 | $ 71,000 | $ 71,000 | $ 89,000 |
| Cumberland, Maine | 1 | $ 600,000 | $ 600,000 | $ 2,797,000 |
| Plymouth, Massachusetts | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Clinton, Michigan | 1 | $ 94,000 | $ 94,000 | $ 58,000 |
| Madison, Mississippi | 1 | $ 69,000 | $ 69,000 | $ 82,000 |
| Barton, Missouri | 1 | $ 264,000 | $ 264,000 | $ 132,000 |
| Callaway, Missouri | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Chariton, Missouri | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Clinton, Missouri | 1 | $ 119,000 | $ 119,000 | $ 45,000 |
| Dallas, Missouri | 1 | $ 106,000 | $ 106,000 | $ 186,000 |
| DeKalb, Missouri | 1 | $ 176,000 | $ 176,000 | $ 100,000 |
| Macon, Missouri | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Miller, Missouri | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Nodaway, Missouri | 1 | $ 109,000 | $ 109,000 | $ 30,000 |
| Ozark, Missouri | 1 | $ 298,000 | $ 298,000 | $ 270,000 |
| Pike, Missouri | 1 | $ 131,000 | $ 131,000 | $ 84,000 |
| Polk, Missouri | 1 | $ 34,000 | $ 34,000 | $ 57,000 |
| Randolph, Missouri | 1 | $ 147,000 | $ 147,000 | $ 76,000 |
| St. Clair, Missouri | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
| Wright, Missouri | 1 | $ 307,000 | $ 307,000 | $ 358,000 |
| Platte, Nebraska | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Sarpy, Nebraska | 1 | $ 399,000 | $ 399,000 | $ 273,000 |
| Washington, Nebraska | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Buncombe, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Logan, Oklahoma | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Osage, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 119,000 |
| Rogers, Oklahoma | 1 | $ 232,000 | $ 232,000 | $ 248,000 |
| Josephine, Oregon | 1 | $ 160,000 | $ 160,000 | $ 164,000 |
| Wilson, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 56,000 |
| Burnet, Texas | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Cooke, Texas | 1 | $ 923,000 | $ 923,000 | $ 0 |
| Dallas, Texas | 1 | $ 331,000 | $ 331,000 | $ 216,000 |
| Harris, Texas | 1 | $ 374,000 | $ 374,000 | $ 298,000 |
| San Patricio, Texas | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Tarrant, Texas | 1 | $ 1,738,000 | $ 1,738,000 | $ 0 |
Mortgage Loan Application Detail Totals for UMB Bank NA in 2014
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 Purchase | 1,071 | $209,001,000 | $195,000 | $8,950,000 | $125,000 | $9,999,000 |
| Refinancing | 624 | $143,747,000 | $230,000 | $8,971,000 | $125,000 | $2,448,000 |
| Home Improvement | 53 | $4,649,000 | $87,000 | $716,000 | $83,000 | $428,000 |
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 | 1,333 | $254,827,000 | $191,000 | $4,400,000 | $143,000 | $9,999,000 |
| Not Provided | 156 | $23,946,000 | $153,000 | $417,000 | $88,000 | $788,000 |
| Not applicable | 96 | $56,358,000 | $587,000 | $8,971,000 | $0 | $0 |
| Hispanic | 71 | $9,041,000 | $127,000 | $417,000 | $80,000 | $800,000 |
| Black or African American | 57 | $7,742,000 | $135,000 | $1,100,000 | $63,000 | $633,000 |
| Asian | 30 | $5,153,000 | $171,000 | $1,280,000 | $83,000 | $515,000 |
| American Indian or Alaskan Native | 3 | $25,000 | $8,000 | $15,000 | $57,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $305,000 | $152,000 | $171,000 | $100,000 | $120,000 |
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) | 1,418 | $321,816,000 | $226,000 | $8,971,000 | $141,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 330 | $35,581,000 | $107,000 | $334,000 | $47,000 | $416,000 |
| 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 |
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 | 714 | $176,831,000 | $247,000 | $8,971,000 | $163,000 | $9,999,000 |
| Preapproval Approved but not Accepted | 382 | $73,297,000 | $191,000 | $2,450,000 | $99,000 | $1,769,000 |
| Application Approved But Not Accepted | 216 | $31,364,000 | $145,000 | $700,000 | $93,000 | $1,285,000 |
| Preapproval Denied by Financial Institution | 208 | $25,523,000 | $122,000 | $1,138,000 | $52,000 | $515,000 |
| Application Denied By Financial Institution | 191 | $43,547,000 | $227,000 | $4,400,000 | $143,000 | $1,884,000 |
| File Closed For Incompleteness | 35 | $6,356,000 | $181,000 | $417,000 | $98,000 | $420,000 |
| Application Withdrawn By Applicant | 2 | $479,000 | $239,000 | $417,000 | $108,000 | $169,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 210 | $25,066,000 | $119,000 | $1,400,000 | $58,000 | $510,000 |
| Debt-To-Income Ratio | 116 | $28,637,000 | $246,000 | $4,400,000 | $127,000 | $1,884,000 |
| Collateral | 29 | $3,599,000 | $124,000 | $758,000 | $126,000 | $1,007,000 |
| Other | 24 | $9,087,000 | $378,000 | $2,840,000 | $268,000 | $1,884,000 |
| Employment History | 12 | $1,386,000 | $115,000 | $247,000 | $36,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $277,000 | $92,000 | $104,000 | $52,000 | $76,000 |
| Unverifiable Information | 2 | $540,000 | $270,000 | $293,000 | $143,000 | $216,000 |
| Credit Application Incomplete | 2 | $165,000 | $82,000 | $135,000 | $76,000 | $110,000 |
| Mortgage Insurance Denied | 1 | $313,000 | $313,000 | $313,000 | $103,000 | $103,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UMB Bank NA's 2014 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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with aggregated HMDA statistics today.
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