Umb Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Umb Bank, National Association 2021 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, National Association 1010 Grand Blvd Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,645 |
| Total Mortgage Loan Application Amount | $2,206,385,000 |
| Average Mortgage Loan Application Amount | $422,000 |
| Highest Mortgage Loan Application Amount | $83,705,000 |
| Average Applicant Income | $243,000 |
| Highest Applicant Income | $6,616,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Umb Bank, National Association. 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, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Umb Bank, National Association'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, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Umb Bank, National Association, 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, National Association's mortgage activity for 2021.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| KANSAS CITY, MO-KS | 1,453 | $ 363,835,000 | $ 264,500 | $ 210,500 |
| DENVER-AURORA-LAKEWOOD, CO | 659 | $ 454,075,000 | $ 689,000 | $ 344,000 |
| ST. LOUIS, MO-IL | 458 | $ 171,410,000 | $ 252,000 | $ 159,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 417 | $ 208,355,000 | $ 499,000 | $ 317,000 |
| NA (OUTSIDE OF MSA/MD) | 415 | $ 148,955,000 | $ 496,666 | $ 454,703 |
| COLORADO SPRINGS, CO | 134 | $ 40,700,000 | $ 303,000 | $ 215,000 |
| DALLAS-PLANO-IRVING, TX | 94 | $ 97,870,000 | $ 1,041,000 | $ 404,000 |
| SPRINGFIELD, MO | 94 | $ 33,070,000 | $ 351,000 | $ 220,000 |
| ST. JOSEPH, MO-KS | 70 | $ 8,500,000 | $ 68,500 | $ 131,000 |
| OKLAHOMA CITY, OK | 69 | $ 18,095,000 | $ 262,000 | $ 203,000 |
| FORT WORTH-ARLINGTON, TX | 62 | $ 17,900,000 | $ 288,000 | $ 204,000 |
| BOULDER, CO | 57 | $ 38,175,000 | $ 669,000 | $ 416,000 |
| WICHITA, KS | 57 | $ 16,575,000 | $ 290,000 | $ 262,000 |
| COLUMBIA, MO | 56 | $ 17,040,000 | $ 304,000 | $ 183,000 |
| TULSA, OK | 37 | $ 6,505,000 | $ 175,000 | $ 107,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 36 | $ 15,770,000 | $ 438,000 | $ 320,000 |
| TOPEKA, KS | 22 | $ 26,350,000 | $ 1,197,000 | $ 152,000 |
| FORT COLLINS, CO | 21 | $ 11,215,000 | $ 534,000 | $ 347,000 |
| JOPLIN, MO | 21 | $ 3,475,000 | $ 165,000 | $ 337,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 20 | $ 13,140,000 | $ 657,000 | $ 446,000 |
| MANHATTAN, KS | 18 | $ 4,380,000 | $ 243,000 | $ 138,000 |
| LAWRENCE, KS | 14 | $ 1,790,000 | $ 127,000 | $ 68,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 14 | $ 24,610,000 | $ 1,757,000 | $ 346,000 |
| CAPE CORAL-FORT MYERS, FL | 13 | $ 7,405,000 | $ 569,000 | $ 499,000 |
| PANAMA CITY, FL | 13 | $ 5,595,000 | $ 430,000 | $ 735,000 |
| TUCSON, AZ | 12 | $ 5,300,000 | $ 441,000 | $ 262,000 |
| AUSTIN-ROUND ROCK, TX | 11 | $ 9,245,000 | $ 840,000 | $ 311,000 |
| JEFFERSON CITY, MO | 10 | $ 1,960,000 | $ 196,000 | $ 102,000 |
| SALT LAKE CITY, UT | 10 | $ 148,970,000 | $ 14,897,000 | $ 755,000 |
| SAN DIEGO-CARLSBAD, CA | 10 | $ 13,740,000 | $ 1,374,000 | $ 1,004,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 10 | $ 5,220,000 | $ 522,000 | $ 669,000 |
| FLAGSTAFF, AZ | 9 | $ 4,735,000 | $ 526,000 | $ 778,000 |
| GREELEY, CO | 9 | $ 3,245,000 | $ 360,000 | $ 187,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 8 | $ 10,000,000 | $ 1,250,000 | $ 833,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 7 | $ 2,365,000 | $ 337,000 | $ 170,000 |
| OGDEN-CLEARFIELD, UT | 7 | $ 2,395,000 | $ 342,000 | $ 503,000 |
| CHICAGO-NAPERVILLE, IL | 6 | $ 3,560,000 | $ 593,000 | $ 1,041,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 6 | $ 37,440,000 | $ 3,830,000 | $ 269,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 6 | $ 2,970,000 | $ 495,000 | $ 486,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 5 | $ 8,675,000 | $ 1,735,000 | $ 1,730,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 5 | $ 2,335,000 | $ 467,000 | $ 373,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 5 | $ 2,885,000 | $ 577,000 | $ 620,000 |
| TYLER, TX | 5 | $ 1,285,000 | $ 257,000 | $ 210,000 |
| ALBUQUERQUE, NM | 4 | $ 1,780,000 | $ 445,000 | $ 287,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 4 | $ 10,750,000 | $ 2,687,000 | $ 914,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 4 | $ 2,350,000 | $ 587,000 | $ 797,000 |
| GRAND JUNCTION, CO | 4 | $ 1,510,000 | $ 377,000 | $ 279,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 4 | $ 2,850,000 | $ 930,000 | $ 279,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 4 | $ 1,900,000 | $ 495,000 | $ 562,500 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 4 | $ 2,530,000 | $ 643,000 | $ 346,500 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 3 | $ 45,215,000 | $ 15,071,000 | $ 2,301,000 |
| DES MOINES-WEST DES MOINES, IA | 3 | $ 695,000 | $ 231,000 | $ 165,000 |
| PUEBLO, CO | 3 | $ 515,000 | $ 171,000 | $ 63,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 3 | $ 2,515,000 | $ 838,000 | $ 390,000 |
| SPOKANE-SPOKANE VALLEY, WA | 3 | $ 1,315,000 | $ 438,000 | $ 181,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 3 | $ 635,000 | $ 211,000 | $ 159,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 2 | $ 2,360,000 | $ 1,180,000 | $ 1,568,000 |
| CARBONDALE-MARION, IL | 2 | $ 250,000 | $ 125,000 | $ 68,000 |
| CINCINNATI, OH-KY-IN | 2 | $ 320,000 | $ 160,000 | $ 54,500 |
| COLUMBIA, SC | 2 | $ 660,000 | $ 330,000 | $ 206,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 1,480,000 | $ 740,000 | $ 907,000 |
| IDAHO FALLS, ID | 2 | $ 750,000 | $ 375,000 | $ 0 |
| LAKE HAVASU CITY-KINGMAN, AZ | 2 | $ 50,000 | $ 25,000 | $ 102,000 |
| LANSING-EAST LANSING, MI | 2 | $ 760,000 | $ 380,000 | $ 287,000 |
| LAWTON, OK | 2 | $ 350,000 | $ 175,000 | $ 90,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 2 | $ 1,370,000 | $ 685,000 | $ 415,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 1,640,000 | $ 820,000 | $ 324,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 1,040,000 | $ 520,000 | $ 304,000 |
| PINE BLUFF, AR | 2 | $ 310,000 | $ 155,000 | $ 160,000 |
| PITTSBURGH, PA | 2 | $ 660,000 | $ 330,000 | $ 86,000 |
| PROVIDENCE-WARWICK, RI-MA | 2 | $ 1,100,000 | $ 550,000 | $ 203,000 |
| PROVO-OREM, UT | 2 | $ 14,580,000 | $ 7,290,000 | $ 0 |
| RALEIGH, NC | 2 | $ 570,000 | $ 285,000 | $ 206,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| SALINAS, CA | 2 | $ 2,660,000 | $ 1,330,000 | $ 305,000 |
| SAVANNAH, GA | 2 | $ 750,000 | $ 375,000 | $ 504,000 |
| SIERRA VISTA-DOUGLAS, AZ | 2 | $ 700,000 | $ 350,000 | $ 212,000 |
| TEXARKANA, TX-AR | 2 | $ 310,000 | $ 155,000 | $ 103,500 |
| ASHEVILLE, NC | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 1 | $ 235,000 | $ 235,000 | $ 182,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| BARNSTABLE TOWN, MA | 1 | $ 745,000 | $ 745,000 | $ 1,697,000 |
| BATON ROUGE, LA | 1 | $ 1,405,000 | $ 1,405,000 | $ 1,702,000 |
| BILLINGS, MT | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| BOISE CITY, ID | 1 | $ 675,000 | $ 675,000 | $ 336,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,539,000 |
| CAMDEN, NJ | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| COEUR D'ALENE, ID | 1 | $ 4,695,000 | $ 4,695,000 | $ 0 |
| CORPUS CHRISTI, TX | 1 | $ 415,000 | $ 415,000 | $ 433,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 1 | $ 85,000 | $ 85,000 | $ 308,000 |
| DULUTH, MN-WI | 1 | $ 95,000 | $ 95,000 | $ 225,000 |
| EAU CLAIRE, WI | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| FLORENCE-MUSCLE SHOALS, AL | 1 | $ 25,000 | $ 25,000 | $ 155,000 |
| FRESNO, CA | 1 | $ 455,000 | $ 455,000 | $ 433,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 1,005,000 | $ 1,005,000 | $ 246,000 |
| JACKSON, TN | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| JACKSONVILLE, NC | 1 | $ 1,445,000 | $ 1,445,000 | $ 2,301,000 |
| JANESVILLE-BELOIT, WI | 1 | $ 365,000 | $ 365,000 | $ 273,000 |
| KAHULUI-WAILUKU-LAHAINA, HI | 1 | $ 395,000 | $ 395,000 | $ 422,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 1 | $ 455,000 | $ 455,000 | $ 206,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 1 | $ 505,000 | $ 505,000 | $ 98,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 375,000 | $ 375,000 | $ 177,000 |
| MODESTO, CA | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 525,000 | $ 525,000 | $ 248,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1 | $ 285,000 | $ 285,000 | $ 549,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 1,445,000 | $ 1,445,000 | $ 1,702,000 |
| PEORIA, IL | 1 | $ 9,715,000 | $ 9,715,000 | $ 0 |
| PHILADELPHIA, PA | 1 | $ 335,000 | $ 335,000 | $ 348,000 |
| PORT ST. LUCIE, FL | 1 | $ 405,000 | $ 405,000 | $ 445,000 |
| PORTLAND-SOUTH PORTLAND, ME | 1 | $ 425,000 | $ 425,000 | $ 243,000 |
| RICHMOND, VA | 1 | $ 735,000 | $ 735,000 | $ 221,000 |
| ROCHESTER, MN | 1 | $ 125,000 | $ 125,000 | $ 461,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 495,000 | $ 495,000 | $ 275,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 1 | $ 155,000 | $ 155,000 | $ 273,000 |
| SHERMAN-DENISON, TX | 1 | $ 5,775,000 | $ 5,775,000 | $ 0 |
| SPRINGFIELD, IL | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 435,000 | $ 435,000 | $ 236,000 |
| WILMINGTON, NC | 1 | $ 755,000 | $ 755,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Umb Bank, National Association in 2021
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 | 1,618 | $725,890,000 | $448,000 | $18,005,000 | $292,000 | $6,616,000 |
| Home Purchase | 1,049 | $1,030,925,000 | $982,000 | $83,705,000 | $315,000 | $6,441,000 |
| Home Improvement | 1,029 | $209,945,000 | $204,000 | $67,305,000 | $177,000 | $4,039,000 |
| Other Purpose | 719 | $190,975,000 | $265,000 | $7,005,000 | $323,000 | $5,483,000 |
| Cash-out Refinancing | 230 | $48,650,000 | $211,000 | $685,000 | $108,000 | $520,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,304 | $1,127,490,000 | $341,000 | $7,005,000 | $275,000 | $5,483,000 |
| Not Provided | 660 | $244,870,000 | $371,000 | $12,005,000 | $290,000 | $6,616,000 |
| Hispanic | 198 | $47,970,000 | $242,000 | $1,995,000 | $155,000 | $2,043,000 |
| Asian | 159 | $71,465,000 | $449,000 | $3,605,000 | $266,000 | $1,527,000 |
| Black or African American | 145 | $26,225,000 | $180,000 | $3,165,000 | $159,000 | $4,619,000 |
| Not applicable | 141 | $681,175,000 | $4,831,000 | $83,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 34 | $6,420,000 | $188,000 | $755,000 | $129,000 | $485,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $325,000 | $108,000 | $125,000 | $95,000 | $174,000 |
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) | 4,553 | $2,185,225,000 | $479,000 | $83,705,000 | $270,000 | $6,616,000 |
| FHA-insured (Federal Housing Administration) | 56 | $10,840,000 | $193,000 | $365,000 | $76,000 | $804,000 |
| VA-guaranteed (Veterans Administration) | 32 | $9,380,000 | $293,000 | $515,000 | $140,000 | $368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $940,000 | $235,000 | $275,000 | $63,000 | $71,000 |
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 | 3,160 | $1,710,460,000 | $541,000 | $83,705,000 | $298,000 | $6,616,000 |
| Application Denied By Financial Institution | 873 | $195,785,000 | $224,000 | $4,805,000 | $155,000 | $6,441,000 |
| Application Withdrawn By Applicant | 396 | $199,570,000 | $503,000 | $34,915,000 | $243,000 | $5,483,000 |
| Application Approved But Not Accepted | 83 | $17,435,000 | $210,000 | $1,645,000 | $223,000 | $1,379,000 |
| File Closed For Incompleteness | 74 | $29,610,000 | $400,000 | $2,305,000 | $326,000 | $1,992,000 |
| Preapproval Approved but not Accepted | 44 | $38,200,000 | $868,000 | $2,355,000 | $498,000 | $2,719,000 |
| Preapproval Denied by Financial Institution | 14 | $15,140,000 | $1,081,000 | $2,605,000 | $398,000 | $1,381,000 |
| Loan Purchased By The Institution | 1 | $185,000 | $185,000 | $185,000 | $47,000 | $47,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,758 | $1,995,460,000 | $530,000 | $83,705,000 | $294,000 | $6,616,000 |
| Debt-To-Income Ratio | 345 | $83,565,000 | $242,000 | $4,805,000 | $100,000 | $780,000 |
| Credit History | 238 | $30,800,000 | $129,000 | $1,605,000 | $114,000 | $1,336,000 |
| Credit Application Incomplete | 95 | $19,995,000 | $210,000 | $2,405,000 | $166,000 | $1,381,000 |
| Collateral | 91 | $24,635,000 | $270,000 | $4,415,000 | $262,000 | $2,118,000 |
| Other | 89 | $43,895,000 | $493,000 | $2,605,000 | $433,000 | $6,441,000 |
| Unverifiable Information | 15 | $3,045,000 | $203,000 | $1,145,000 | $136,000 | $457,000 |
| Employment History | 7 | $1,395,000 | $199,000 | $405,000 | $78,000 | $396,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,595,000 | $513,000 | $1,015,000 | $112,000 | $162,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Umb Bank, National Association's 2021 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, National Association'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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.