UMB Bank NA Mortgage Lending & HMDA Data, 2015

In 2015, UMB Bank NA of Kansas City, MO reported 2,160 mortgage applications totaling $569.1 million, up 24% from 2014. The average application was for $263,457, and applicants reported an average income of $137,172. 49% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Kansas City, MO-KS (529), St. Louis, MO-IL (176) and Denver-Aurora-Lakewood, CO (97) (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 2,160
Total Mortgage Loan Application Amount $569,069,000
Average Mortgage Loan Application Amount $263,457
Highest Mortgage Loan Application Amount $35,360,000
Average Applicant Income $137,172
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Act (HMDA) records UMB Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for UMB Bank NA by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jackson, Missouri 235 $ 32,575,000 $ 138,617 $ 92,000
Johnson, Kansas 137 $ 35,330,000 $ 257,883 $ 171,000
St. Louis, Missouri 76 $ 43,332,000 $ 570,157 $ 117,000
Clay, Missouri 68 $ 9,403,000 $ 138,279 $ 92,000
Denver, Colorado 54 $ 20,817,000 $ 385,500 $ 453,000
Maricopa, Arizona 51 $ 21,540,000 $ 422,352 $ 538,000
El Paso, Colorado 40 $ 6,426,000 $ 160,650 $ 100,000
Buchanan, Missouri 40 $ 5,029,000 $ 125,725 $ 72,000
St. Charles, Missouri 33 $ 5,244,000 $ 158,909 $ 72,000
Jasper, Missouri 32 $ 3,813,000 $ 119,156 $ 70,000
Greene, Missouri 31 $ 6,456,000 $ 208,258 $ 146,000
Bourbon, Kansas 30 $ 2,100,000 $ 70,000 $ 48,000
Jefferson, Missouri 30 $ 3,345,000 $ 111,500 $ 101,000
Sedgwick, Kansas 29 $ 4,563,000 $ 157,344 $ 98,000
Dallas, Texas 29 $ 14,082,000 $ 485,586 $ 55,000
Benton, Missouri 27 $ 2,497,000 $ 92,481 $ 64,000
Boone, Missouri 27 $ 8,304,000 $ 307,555 $ 102,000
Platte, Missouri 25 $ 20,373,000 $ 814,920 $ 192,000
Cass, Missouri 24 $ 5,189,000 $ 216,208 $ 120,000
Wyandotte, Kansas 22 $ 2,113,000 $ 96,045 $ 64,000
Saline, Kansas 20 $ 2,180,000 $ 109,000 $ 61,000
Tarrant, Texas 20 $ 30,366,000 $ 1,518,300 $ 91,000
Riley, Kansas 18 $ 2,523,000 $ 140,166 $ 138,000
Shawnee, Kansas 18 $ 2,013,000 $ 111,833 $ 62,000
Russell, Kansas 17 $ 944,000 $ 55,529 $ 43,000
Arapahoe, Colorado 16 $ 7,645,000 $ 477,812 $ 214,000
Barry, Missouri 16 $ 1,656,000 $ 103,500 $ 77,000
Johnson, Missouri 16 $ 2,964,000 $ 185,250 $ 208,000
Oklahoma, Oklahoma 16 $ 3,198,000 $ 199,875 $ 115,000
Dickinson, Kansas 15 $ 1,692,000 $ 112,800 $ 56,000
Cooper, Missouri 15 $ 1,330,000 $ 88,666 $ 61,000
Lawrence, Missouri 14 $ 945,000 $ 67,500 $ 53,000
Jefferson, Colorado 13 $ 2,975,000 $ 228,846 $ 146,000
St. Louis City, Missouri 13 $ 2,976,000 $ 228,923 $ 72,000
Madison, Illinois 12 $ 1,085,000 $ 90,416 $ 82,000
Atchison, Kansas 12 $ 1,215,000 $ 101,250 $ 54,000
St. Clair, Illinois 11 $ 562,000 $ 51,090 $ 76,000
Henry, Missouri 11 $ 1,117,000 $ 101,545 $ 43,000
Linn, Missouri 11 $ 1,025,000 $ 93,181 $ 60,000
Denton, Texas 9 $ 1,473,000 $ 163,666 $ 34,000
Miami, Kansas 8 $ 4,512,000 $ 564,000 $ 66,000
Christian, Missouri 8 $ 1,475,000 $ 184,375 $ 168,000
Adams, Colorado 7 $ 1,687,000 $ 241,000 $ 456,000
Boulder, Colorado 7 $ 5,817,000 $ 831,000 $ 386,000
Newton, Missouri 6 $ 1,322,000 $ 220,333 $ 138,000
Cleveland, Oklahoma 6 $ 36,702,000 $ 6,117,000 $ 161,000
Eagle, Colorado 5 $ 3,974,000 $ 794,800 $ 103,000
Andrew, Missouri 5 $ 526,000 $ 105,200 $ 52,000
Camden, Missouri 5 $ 1,121,000 $ 224,200 $ 362,000
Clinton, Missouri 5 $ 640,000 $ 128,000 $ 62,000
Cole, Missouri 5 $ 610,000 $ 122,000 $ 49,000
Sullivan, Missouri 5 $ 604,000 $ 120,800 $ 46,000
Los Angeles, California 4 $ 2,293,000 $ 573,250 $ 586,000
Douglas, Colorado 4 $ 1,187,000 $ 296,750 $ 1,980,000
Pottawatomie, Kansas 4 $ 804,000 $ 201,000 $ 95,000
Vernon, Missouri 4 $ 577,000 $ 144,250 $ 91,000
Sarpy, Nebraska 4 $ 461,000 $ 115,250 $ 122,000
Pima, Arizona 3 $ 581,000 $ 193,666 $ 42,000
Summit, Colorado 3 $ 938,000 $ 312,666 $ 127,000
Manatee, Florida 3 $ 351,000 $ 117,000 $ 52,000
Monroe, Florida 3 $ 1,849,000 $ 616,333 $ 295,000
Cherokee, Kansas 3 $ 232,000 $ 77,333 $ 95,000
Douglas, Kansas 3 $ 329,000 $ 109,666 $ 61,000
DeKalb, Missouri 3 $ 352,000 $ 117,333 $ 65,000
Morgan, Missouri 3 $ 457,000 $ 152,333 $ 91,000
Stone, Missouri 3 $ 441,000 $ 147,000 $ 123,000
Tulsa, Oklahoma 3 $ 414,000 $ 138,000 $ 124,000
Greenville, South Carolina 3 $ 681,000 $ 227,000 $ 63,000
Parker, Texas 3 $ 814,000 $ 271,333 $ 273,000
Pinal, Arizona 2 $ 1,550,000 $ 775,000 $ 221,000
San Diego, California 2 $ 1,775,000 $ 887,500 $ 831,000
Grand, Colorado 2 $ 900,000 $ 450,000 $ 389,000
Teller, Colorado 2 $ 449,000 $ 224,500 $ 49,000
Brevard, Florida 2 $ 451,000 $ 225,500 $ 101,000
Broward, Florida 2 $ 790,000 $ 395,000 $ 50,000
Collier, Florida 2 $ 2,654,000 $ 1,327,000 $ 1,003,000
Palm Beach, Florida 2 $ 2,417,000 $ 1,208,500 $ 214,000
Sarasota, Florida 2 $ 700,000 $ 350,000 $ 208,000
DuPage, Illinois 2 $ 626,000 $ 313,000 $ 92,000
Clay, Kansas 2 $ 284,000 $ 142,000 $ 92,000
Ellis, Kansas 2 $ 336,000 $ 168,000 $ 29,000
Ellsworth, Kansas 2 $ 167,000 $ 83,500 $ 52,000
Linn, Kansas 2 $ 122,000 $ 61,000 $ 92,000
Osage, Kansas 2 $ 166,000 $ 83,000 $ 23,000
Stafford, Kansas 2 $ 306,000 $ 153,000 $ 79,000
Nodaway, Missouri 2 $ 268,000 $ 134,000 $ 34,000
Pettis, Missouri 2 $ 8,706,000 $ 4,353,000 $ 30,000
Ray, Missouri 2 $ 251,000 $ 125,500 $ 441,000
St. Clair, Missouri 2 $ 241,000 $ 120,500 $ 34,000
Douglas, Nebraska 2 $ 229,000 $ 114,500 $ 65,000
Canadian, Oklahoma 2 $ 298,000 $ 149,000 $ 59,000
Grady, Oklahoma 2 $ 425,000 $ 212,500 $ 100,000
Payne, Oklahoma 2 $ 591,000 $ 295,500 $ 120,000
Beaufort, South Carolina 2 $ 927,000 $ 463,500 $ 190,000
Salt Lake, Utah 2 $ 582,000 $ 291,000 $ 182,000
Gila, Arizona 1 $ 417,000 $ 417,000 $ 413,000
Benton, Arkansas 1 $ 208,000 $ 208,000 $ 244,000
El Dorado, California 1 $ 425,000 $ 425,000 $ 376,000
Orange, California 1 $ 417,000 $ 417,000 $ 677,000
San Mateo, California 1 $ 407,000 $ 407,000 $ 84,000
Ventura, California 1 $ 220,000 $ 220,000 $ 71,000
Broomfield, Colorado 1 $ 326,000 $ 326,000 $ 161,000
Clear Creek, Colorado 1 $ 175,000 $ 175,000 $ 0
Elbert, Colorado 1 $ 187,000 $ 187,000 $ 48,000
Garfield, Colorado 1 $ 236,000 $ 236,000 $ 85,000
Gunnison, Colorado 1 $ 188,000 $ 188,000 $ 76,000
Huerfano, Colorado 1 $ 56,000 $ 56,000 $ 28,000
Larimer, Colorado 1 $ 217,000 $ 217,000 $ 307,000
Las Animas, Colorado 1 $ 77,000 $ 77,000 $ 59,000
Logan, Colorado 1 $ 445,000 $ 445,000 $ 0
Mesa, Colorado 1 $ 188,000 $ 188,000 $ 146,000
Phillips, Colorado 1 $ 146,000 $ 146,000 $ 44,000
Pitkin, Colorado 1 $ 223,000 $ 223,000 $ 92,000
Pueblo, Colorado 1 $ 264,000 $ 264,000 $ 98,000
Routt, Colorado 1 $ 415,000 $ 415,000 $ 159,000
San Miguel, Colorado 1 $ 1,750,000 $ 1,750,000 $ 1,598,000
Weld, Colorado 1 $ 417,000 $ 417,000 $ 62,000
Orange, Florida 1 $ 75,000 $ 75,000 $ 41,000
Walton, Florida 1 $ 200,000 $ 200,000 $ 175,000
Fulton, Georgia 1 $ 100,000 $ 100,000 $ 23,000
Kootenai, Idaho 1 $ 945,000 $ 945,000 $ 1,413,000
Cook, Illinois 1 $ 203,000 $ 203,000 $ 74,000
Monroe, Illinois 1 $ 189,000 $ 189,000 $ 118,000
Lake, Indiana 1 $ 145,000 $ 145,000 $ 183,000
Woodbury, Iowa 1 $ 13,400,000 $ 13,400,000 $ 0
Barber, Kansas 1 $ 40,000 $ 40,000 $ 68,000
Butler, Kansas 1 $ 90,000 $ 90,000 $ 36,000
Coffey, Kansas 1 $ 218,000 $ 218,000 $ 90,000
Crawford, Kansas 1 $ 175,000 $ 175,000 $ 51,000
Ford, Kansas 1 $ 104,000 $ 104,000 $ 37,000
Franklin, Kansas 1 $ 56,000 $ 56,000 $ 28,000
Geary, Kansas 1 $ 77,000 $ 77,000 $ 68,000
Jefferson, Kansas 1 $ 143,000 $ 143,000 $ 54,000
Marion, Kansas 1 $ 38,000 $ 38,000 $ 17,000
McPherson, Kansas 1 $ 170,000 $ 170,000 $ 66,000
Ottawa, Kansas 1 $ 82,000 $ 82,000 $ 57,000
Reno, Kansas 1 $ 79,000 $ 79,000 $ 0
Rush, Kansas 1 $ 52,000 $ 52,000 $ 32,000
Sumner, Kansas 1 $ 54,000 $ 54,000 $ 30,000
Suffolk, Massachusetts 1 $ 300,000 $ 300,000 $ 68,000
Ingham, Michigan 1 $ 280,000 $ 280,000 $ 114,000
Hennepin, Minnesota 1 $ 7,000,000 $ 7,000,000 $ 2,129,000
Adair, Missouri 1 $ 218,000 $ 218,000 $ 83,000
Bates, Missouri 1 $ 132,000 $ 132,000 $ 84,000
Crawford, Missouri 1 $ 30,000 $ 30,000 $ 67,000
Dade, Missouri 1 $ 172,000 $ 172,000 $ 257,000
Howard, Missouri 1 $ 100,000 $ 100,000 $ 67,000
Livingston, Missouri 1 $ 150,000 $ 150,000 $ 108,000
Maries, Missouri 1 $ 154,000 $ 154,000 $ 52,000
McDonald, Missouri 1 $ 44,000 $ 44,000 $ 54,000
Miller, Missouri 1 $ 800,000 $ 800,000 $ 793,000
Montgomery, Missouri 1 $ 34,000 $ 34,000 $ 75,000
Saline, Missouri 1 $ 48,000 $ 48,000 $ 55,000
Ste. Genevieve, Missouri 1 $ 35,000 $ 35,000 $ 74,000
Taney, Missouri 1 $ 489,000 $ 489,000 $ 0
Webster, Missouri 1 $ 109,000 $ 109,000 $ 43,000
Dodge, Nebraska 1 $ 265,000 $ 265,000 $ 141,000
Madison, New York 1 $ 417,000 $ 417,000 $ 435,000
Brunswick, North Carolina 1 $ 118,000 $ 118,000 $ 50,000
Carteret, North Carolina 1 $ 522,000 $ 522,000 $ 0
Caddo, Oklahoma 1 $ 380,000 $ 380,000 $ 165,000
Creek, Oklahoma 1 $ 235,000 $ 235,000 $ 136,000
Jackson, Oklahoma 1 $ 100,000 $ 100,000 $ 142,000
Roger Mills, Oklahoma 1 $ 180,000 $ 180,000 $ 75,000
Lane, Oregon 1 $ 304,000 $ 304,000 $ 154,000
Montgomery, Pennsylvania 1 $ 417,000 $ 417,000 $ 305,000
Washington, Rhode Island 1 $ 260,000 $ 260,000 $ 104,000
Lubbock, Texas 1 $ 101,000 $ 101,000 $ 70,000
Travis, Texas 1 $ 218,000 $ 218,000 $ 372,000
Williamson, Texas 1 $ 174,000 $ 174,000 $ 346,000
Albemarle, Virginia 1 $ 372,000 $ 372,000 $ 236,000
Charlottesville, Virginia 1 $ 100,000 $ 100,000 $ 108,000
Snohomish, Washington 1 $ 400,000 $ 400,000 $ 0

Mortgage Loan Application Detail Totals for UMB Bank NA in 2015

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 1,176 $355,055,000 $301,000 $35,360,000 $139,000 $9,999,000
Refinancing 876 $204,416,000 $233,000 $13,400,000 $143,000 $9,999,000
Home Improvement 108 $9,598,000 $88,000 $1,500,000 $70,000 $779,000

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 1,591 $312,410,000 $196,000 $7,000,000 $151,000 $9,999,000
Not Provided 256 $57,931,000 $226,000 $8,000,000 $151,000 $9,999,000
Not applicable 146 $174,150,000 $1,192,000 $35,360,000 $25,000 $3,714,000
Black or African American 65 $7,988,000 $122,000 $696,000 $91,000 $983,000
Hispanic 60 $7,912,000 $131,000 $840,000 $46,000 $181,000
Asian 36 $8,084,000 $224,000 $1,040,000 $121,000 $688,000
American Indian or Alaskan Native 5 $544,000 $108,000 $230,000 $60,000 $127,000
Native Hawaiian or Other Pacific Islander 1 $50,000 $50,000 $50,000 $19,000 $19,000

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) 1,836 $532,906,000 $290,000 $35,360,000 $153,000 $9,999,000
FHA-insured (Federal Housing Administration) 324 $36,163,000 $111,000 $321,000 $49,000 $197,000
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 1,050 $340,924,000 $324,000 $35,360,000 $143,000 $7,652,000
Preapproval Approved but not Accepted 404 $79,351,000 $196,000 $1,800,000 $102,000 $2,454,000
Application Denied By Financial Institution 275 $58,714,000 $213,000 $8,600,000 $122,000 $9,999,000
Application Approved But Not Accepted 251 $56,165,000 $223,000 $2,275,000 $176,000 $5,576,000
Preapproval Denied by Financial Institution 164 $30,227,000 $184,000 $8,000,000 $152,000 $9,999,000
File Closed For Incompleteness 11 $1,961,000 $178,000 $393,000 $115,000 $550,000
Application Withdrawn By Applicant 5 $1,727,000 $345,000 $680,000 $194,000 $442,000
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 209 $34,375,000 $164,000 $7,000,000 $97,000 $3,600,000
Debt-To-Income Ratio 150 $28,716,000 $191,000 $8,600,000 $57,000 $1,260,000
Collateral 35 $5,843,000 $166,000 $700,000 $385,000 $9,999,000
Other 30 $15,286,000 $509,000 $8,000,000 $508,000 $9,999,000
Employment History 5 $910,000 $182,000 $417,000 $105,000 $300,000
Insufficient Cash (Downpayment, Closing Cost) 5 $3,188,000 $637,000 $2,780,000 $40,000 $71,000
Credit Application Incomplete 2 $175,000 $87,000 $100,000 $10,000 $20,000
Unverifiable Information 1 $260,000 $260,000 $260,000 $104,000 $104,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into UMB Bank NA's 2015 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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