UMB Bank NA Mortgage Lending & HMDA Data, 2017

In 2017, UMB Bank NA of Kansas City, MO reported 1,496 mortgage applications totaling $427.0 million, down 17% from 2016. The average application was for $285,460, and applicants reported an average income of $174,601. 62% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Kansas City, MO-KS (576), St. Louis, MO-IL (127) and Denver-Aurora-Lakewood, CO (85) (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 1,496
Total Mortgage Loan Application Amount $427,049,000
Average Mortgage Loan Application Amount $285,460
Highest Mortgage Loan Application Amount $19,500,000
Average Applicant Income $174,601
Highest Applicant Income $4,873,000

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Act (HMDA) records UMB Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jackson, Missouri 276 $ 34,452,000 $ 124,826 $ 97,000
Johnson, Kansas 156 $ 36,697,000 $ 235,237 $ 142,000
Maricopa, Arizona 72 $ 31,500,000 $ 437,500 $ 335,000
St. Louis, Missouri 54 $ 13,350,000 $ 247,222 $ 140,000
Clay, Missouri 52 $ 6,563,000 $ 126,211 $ 82,000
Buchanan, Missouri 41 $ 3,662,000 $ 89,317 $ 78,000
Denver, Colorado 33 $ 22,280,000 $ 675,151 $ 329,000
El Paso, Colorado 33 $ 5,592,000 $ 169,454 $ 114,000
Greene, Missouri 33 $ 7,468,000 $ 226,303 $ 182,000
Wyandotte, Kansas 29 $ 3,257,000 $ 112,310 $ 52,000
Cass, Missouri 28 $ 4,991,000 $ 178,250 $ 74,000
Johnson, Missouri 27 $ 4,549,000 $ 168,481 $ 108,000
Oklahoma, Oklahoma 26 $ 3,570,000 $ 137,307 $ 91,000
Dallas, Texas 26 $ 11,506,000 $ 442,538 $ 370,000
Jefferson, Missouri 20 $ 1,534,000 $ 76,700 $ 75,000
St. Charles, Missouri 20 $ 4,696,000 $ 234,800 $ 154,000
Arapahoe, Colorado 18 $ 4,996,000 $ 277,555 $ 165,000
Saline, Kansas 18 $ 1,461,000 $ 81,166 $ 62,000
Bourbon, Kansas 17 $ 1,156,000 $ 68,000 $ 55,000
Benton, Missouri 17 $ 1,292,000 $ 76,000 $ 53,000
Platte, Missouri 16 $ 3,457,000 $ 216,062 $ 219,000
St. Clair, Illinois 14 $ 817,000 $ 58,357 $ 67,000
Linn, Missouri 14 $ 1,441,000 $ 102,928 $ 62,000
Douglas, Colorado 13 $ 7,836,000 $ 602,769 $ 450,000
Jefferson, Colorado 13 $ 6,028,000 $ 463,692 $ 320,000
Russell, Kansas 13 $ 940,000 $ 72,307 $ 58,000
Tarrant, Texas 13 $ 4,500,000 $ 346,153 $ 205,000
Riley, Kansas 12 $ 2,602,000 $ 216,833 $ 159,000
Jasper, Missouri 12 $ 1,048,000 $ 87,333 $ 67,000
Boone, Missouri 11 $ 5,176,000 $ 470,545 $ 615,000
Cooper, Missouri 10 $ 1,146,000 $ 114,600 $ 62,000
Lawrence, Missouri 10 $ 1,553,000 $ 155,300 $ 69,000
Douglas, Nebraska 10 $ 24,015,000 $ 2,401,500 $ 237,000
St. Louis City, Missouri 9 $ 932,000 $ 103,555 $ 53,000
Dickinson, Kansas 8 $ 509,000 $ 63,625 $ 72,000
Camden, Missouri 8 $ 2,571,000 $ 321,375 $ 243,000
Tulsa, Oklahoma 8 $ 1,493,000 $ 186,625 $ 135,000
Madison, Illinois 7 $ 487,000 $ 69,571 $ 82,000
Adams, Colorado 6 $ 2,469,000 $ 411,500 $ 758,000
Douglas, Kansas 6 $ 818,000 $ 136,333 $ 86,000
Leavenworth, Kansas 6 $ 1,624,000 $ 270,666 $ 136,000
Sedgwick, Kansas 6 $ 1,084,000 $ 180,666 $ 169,000
Lafayette, Missouri 6 $ 693,000 $ 115,500 $ 58,000
Christian, Missouri 5 $ 2,469,000 $ 493,800 $ 153,000
Pitkin, Colorado 4 $ 3,709,000 $ 927,250 $ 1,008,000
Summit, Colorado 4 $ 2,890,000 $ 722,500 $ 1,142,000
Reno, Kansas 4 $ 602,000 $ 150,500 $ 71,000
Cole, Missouri 4 $ 464,000 $ 116,000 $ 94,000
Henry, Missouri 4 $ 275,000 $ 68,750 $ 60,000
Howard, Missouri 4 $ 690,000 $ 172,500 $ 101,000
Stone, Missouri 4 $ 745,000 $ 186,250 $ 168,000
Vernon, Missouri 4 $ 2,841,000 $ 710,250 $ 8,000
Canadian, Oklahoma 4 $ 417,000 $ 104,250 $ 60,000
Pinal, Arizona 3 $ 1,602,000 $ 534,000 $ 191,000
Yavapai, Arizona 3 $ 646,000 $ 215,333 $ 133,000
Los Angeles, California 3 $ 2,759,000 $ 919,666 $ 426,000
Lee, Florida 3 $ 1,073,000 $ 357,666 $ 239,000
Okaloosa, Florida 3 $ 7,560,000 $ 2,520,000 $ 1,588,000
Atchison, Kansas 3 $ 266,000 $ 88,666 $ 100,000
Shawnee, Kansas 3 $ 205,000 $ 68,333 $ 31,000
Barry, Missouri 3 $ 273,000 $ 91,000 $ 49,000
Clinton, Missouri 3 $ 201,000 $ 67,000 $ 53,000
Livingston, Missouri 3 $ 630,000 $ 210,000 $ 183,000
Taney, Missouri 3 $ 541,000 $ 180,333 $ 167,000
Pulaski, Arkansas 2 $ 295,000 $ 147,500 $ 55,000
Alameda, California 2 $ 800,000 $ 400,000 $ 108,000
Riverside, California 2 $ 649,000 $ 324,500 $ 257,000
San Diego, California 2 $ 2,331,000 $ 1,165,500 $ 464,000
Boulder, Colorado 2 $ 446,000 $ 223,000 $ 115,000
Eagle, Colorado 2 $ 1,423,000 $ 711,500 $ 97,000
Larimer, Colorado 2 $ 402,000 $ 201,000 $ 164,000
Weld, Colorado 2 $ 99,000 $ 49,500 $ 169,000
Collier, Florida 2 $ 5,500,000 $ 2,750,000 $ 532,000
Pinellas, Florida 2 $ 792,000 $ 396,000 $ 422,000
Ada, Idaho 2 $ 568,000 $ 284,000 $ 114,000
Lake, Illinois 2 $ 510,000 $ 255,000 $ 220,000
Butler, Kansas 2 $ 244,000 $ 122,000 $ 65,000
Clay, Kansas 2 $ 70,000 $ 35,000 $ 22,000
Franklin, Kansas 2 $ 246,000 $ 123,000 $ 62,000
Linn, Kansas 2 $ 106,000 $ 53,000 $ 25,000
Pottawatomie, Kansas 2 $ 188,000 $ 94,000 $ 308,000
Middlesex, Massachusetts 2 $ 1,103,000 $ 551,500 $ 302,000
Andrew, Missouri 2 $ 184,000 $ 92,000 $ 76,000
Bates, Missouri 2 $ 216,000 $ 108,000 $ 199,000
Callaway, Missouri 2 $ 273,000 $ 136,500 $ 75,000
Morgan, Missouri 2 $ 406,000 $ 203,000 $ 344,000
Newton, Missouri 2 $ 167,000 $ 83,500 $ 67,000
Randolph, Missouri 2 $ 472,000 $ 236,000 $ 23,000
Sullivan, Missouri 2 $ 100,000 $ 50,000 $ 12,000
Warren, Missouri 2 $ 200,000 $ 100,000 $ 38,000
Sarpy, Nebraska 2 $ 1,336,000 $ 668,000 $ 2,543,000
Cleveland, Oklahoma 2 $ 202,000 $ 101,000 $ 53,000
Delaware, Oklahoma 2 $ 11,596,000 $ 5,798,000 $ 343,000
Allegheny, Pennsylvania 2 $ 510,000 $ 255,000 $ 35,000
Denton, Texas 2 $ 1,297,000 $ 648,500 $ 132,000
Coconino, Arizona 1 $ 200,000 $ 200,000 $ 880,000
Navajo, Arizona 1 $ 100,000 $ 100,000 $ 73,000
Garland, Arkansas 1 $ 158,000 $ 158,000 $ 51,000
El Dorado, California 1 $ 414,000 $ 414,000 $ 259,000
Orange, California 1 $ 200,000 $ 200,000 $ 220,000
Broomfield, Colorado 1 $ 687,000 $ 687,000 $ 2,596,000
Clear Creek, Colorado 1 $ 160,000 $ 160,000 $ 63,000
Custer, Colorado 1 $ 420,000 $ 420,000 $ 354,000
Grand, Colorado 1 $ 369,000 $ 369,000 $ 210,000
Huerfano, Colorado 1 $ 61,000 $ 61,000 $ 81,000
La Plata, Colorado 1 $ 350,000 $ 350,000 $ 116,000
Park, Colorado 1 $ 294,000 $ 294,000 $ 104,000
Pueblo, Colorado 1 $ 100,000 $ 100,000 $ 41,000
District of Columbia, District Of Columbia 1 $ 520,000 $ 520,000 $ 381,000
Bay, Florida 1 $ 268,000 $ 268,000 $ 131,000
Broward, Florida 1 $ 370,000 $ 370,000 $ 212,000
Charlotte, Florida 1 $ 110,000 $ 110,000 $ 50,000
Duval, Florida 1 $ 600,000 $ 600,000 $ 120,000
Hernando, Florida 1 $ 169,000 $ 169,000 $ 62,000
Hillsborough, Florida 1 $ 189,000 $ 189,000 $ 60,000
Manatee, Florida 1 $ 275,000 $ 275,000 $ 244,000
Monroe, Florida 1 $ 370,000 $ 370,000 $ 155,000
Palm Beach, Florida 1 $ 528,000 $ 528,000 $ 1,163,000
Polk, Florida 1 $ 120,000 $ 120,000 $ 41,000
Sarasota, Florida 1 $ 155,000 $ 155,000 $ 58,000
Greene, Georgia 1 $ 1,100,000 $ 1,100,000 $ 2,417,000
Honolulu, Hawaii 1 $ 584,000 $ 584,000 $ 2,706,000
Cook, Illinois 1 $ 175,000 $ 175,000 $ 964,000
DuPage, Illinois 1 $ 100,000 $ 100,000 $ 83,000
Barton, Kansas 1 $ 25,000 $ 25,000 $ 56,000
Doniphan, Kansas 1 $ 80,000 $ 80,000 $ 32,000
Ellis, Kansas 1 $ 551,000 $ 551,000 $ 343,000
Jefferson, Kansas 1 $ 596,000 $ 596,000 $ 240,000
Lyon, Kansas 1 $ 51,000 $ 51,000 $ 83,000
McPherson, Kansas 1 $ 450,000 $ 450,000 $ 0
Osborne, Kansas 1 $ 15,000 $ 15,000 $ 17,000
Republic, Kansas 1 $ 56,000 $ 56,000 $ 46,000
Barnstable, Massachusetts 1 $ 280,000 $ 280,000 $ 316,000
Anoka, Minnesota 1 $ 240,000 $ 240,000 $ 24,000
Hubbard, Minnesota 1 $ 152,000 $ 152,000 $ 118,000
Rice, Minnesota 1 $ 180,000 $ 180,000 $ 0
Todd, Minnesota 1 $ 219,000 $ 219,000 $ 48,000
Madison, Mississippi 1 $ 200,000 $ 200,000 $ 120,000
Cedar, Missouri 1 $ 49,000 $ 49,000 $ 75,000
DeKalb, Missouri 1 $ 46,000 $ 46,000 $ 36,000
Gentry, Missouri 1 $ 99,000 $ 99,000 $ 62,000
Hickory, Missouri 1 $ 80,000 $ 80,000 $ 158,000
Lincoln, Missouri 1 $ 140,000 $ 140,000 $ 94,000
Macon, Missouri 1 $ 29,000 $ 29,000 $ 38,000
Nodaway, Missouri 1 $ 103,000 $ 103,000 $ 84,000
Pettis, Missouri 1 $ 39,000 $ 39,000 $ 14,000
Ray, Missouri 1 $ 141,000 $ 141,000 $ 177,000
Webster, Missouri 1 $ 279,000 $ 279,000 $ 110,000
Lancaster, Nebraska 1 $ 17,546,000 $ 17,546,000 $ 0
Washington, Nebraska 1 $ 20,000 $ 20,000 $ 159,000
New York, New York 1 $ 6,600,000 $ 6,600,000 $ 0
Hamilton, Ohio 1 $ 250,000 $ 250,000 $ 120,000
Comanche, Oklahoma 1 $ 170,000 $ 170,000 $ 299,000
Creek, Oklahoma 1 $ 68,000 $ 68,000 $ 130,000
Garfield, Oklahoma 1 $ 109,000 $ 109,000 $ 28,000
Garvin, Oklahoma 1 $ 162,000 $ 162,000 $ 37,000
Grady, Oklahoma 1 $ 83,000 $ 83,000 $ 84,000
Mayes, Oklahoma 1 $ 387,000 $ 387,000 $ 422,000
Woods, Oklahoma 1 $ 135,000 $ 135,000 $ 55,000
Multnomah, Oregon 1 $ 336,000 $ 336,000 $ 143,000
Yamhill, Oregon 1 $ 130,000 $ 130,000 $ 165,000
Lawrence, Pennsylvania 1 $ 150,000 $ 150,000 $ 0
Montgomery, Pennsylvania 1 $ 602,000 $ 602,000 $ 347,000
Bexar, Texas 1 $ 220,000 $ 220,000 $ 600,000
Cameron, Texas 1 $ 1,500,000 $ 1,500,000 $ 1,450,000
Collin, Texas 1 $ 324,000 $ 324,000 $ 115,000
Fort Bend, Texas 1 $ 40,000 $ 40,000 $ 218,000
Hood, Texas 1 $ 264,000 $ 264,000 $ 300,000
Hopkins, Texas 1 $ 250,000 $ 250,000 $ 177,000
Hunt, Texas 1 $ 4,700,000 $ 4,700,000 $ 0
Johnson, Texas 1 $ 300,000 $ 300,000 $ 250,000
McLennan, Texas 1 $ 158,000 $ 158,000 $ 60,000
Midland, Texas 1 $ 1,335,000 $ 1,335,000 $ 2,592,000
Parker, Texas 1 $ 335,000 $ 335,000 $ 3,322,000
Travis, Texas 1 $ 640,000 $ 640,000 $ 194,000
Wise, Texas 1 $ 5,000 $ 5,000 $ 52,000
Richmond City, Virginia 1 $ 240,000 $ 240,000 $ 57,000
King, Washington 1 $ 732,000 $ 732,000 $ 369,000

Mortgage Loan Application Detail Totals for UMB Bank NA in 2017

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
Refinancing 628 $184,027,000 $293,000 $19,500,000 $167,000 $3,439,000
Home Purchase 618 $225,037,000 $364,000 $17,546,000 $221,000 $4,873,000
Home Improvement 250 $17,985,000 $71,000 $1,071,000 $79,000 $561,000

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 1,078 $272,946,000 $253,000 $6,400,000 $205,000 $4,873,000
Not Provided 124 $26,992,000 $217,000 $1,840,000 $152,000 $2,797,000
Not applicable 104 $99,482,000 $956,000 $19,500,000 $1,000 $105,000
Black or African American 80 $8,565,000 $107,000 $539,000 $88,000 $1,163,000
Hispanic 62 $9,589,000 $154,000 $3,000,000 $107,000 $1,450,000
Asian 35 $8,067,000 $230,000 $850,000 $192,000 $1,328,000
American Indian or Alaskan Native 8 $708,000 $88,000 $180,000 $63,000 $112,000
Native Hawaiian or Other Pacific Islander 5 $700,000 $140,000 $319,000 $136,000 $363,000

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) 1,353 $406,462,000 $300,000 $19,500,000 $187,000 $4,873,000
FHA-insured (Federal Housing Administration) 91 $11,882,000 $130,000 $303,000 $53,000 $375,000
VA-guaranteed (Veterans Administration) 52 $8,705,000 $167,000 $654,000 $65,000 $218,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 923 $269,675,000 $292,000 $19,500,000 $186,000 $4,873,000
Application Denied By Financial Institution 308 $53,681,000 $174,000 $3,000,000 $101,000 $2,592,000
Application Withdrawn By Applicant 131 $33,775,000 $257,000 $2,520,000 $231,000 $3,322,000
Application Approved But Not Accepted 59 $32,695,000 $554,000 $11,196,000 $153,000 $2,380,000
Preapproval Approved but not Accepted 35 $29,053,000 $830,000 $6,400,000 $395,000 $2,482,000
File Closed For Incompleteness 31 $4,496,000 $145,000 $424,000 $93,000 $343,000
Preapproval Denied by Financial Institution 9 $3,674,000 $408,000 $1,600,000 $208,000 $499,000
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 114 $8,288,000 $72,000 $632,000 $58,000 $260,000
Debt-To-Income Ratio 93 $20,134,000 $216,000 $2,100,000 $86,000 $834,000
Collateral 50 $6,699,000 $133,000 $1,335,000 $171,000 $2,592,000
Credit Application Incomplete 29 $9,888,000 $340,000 $2,100,000 $111,000 $1,032,000
Other 21 $10,859,000 $517,000 $3,000,000 $271,000 $1,450,000
Unverifiable Information 5 $748,000 $149,000 $268,000 $105,000 $200,000
Employment History 5 $739,000 $147,000 $340,000 $55,000 $87,000
Insufficient Cash (Downpayment, Closing Cost) 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 2017 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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