UMB Bank NA Mortgage Lending & HMDA Data, 2022
In 2022, UMB Bank NA of Kansas City, MO reported 4,310 mortgage applications totaling $2.0 billion, down 7% from 2021. The average application was for $458,591, and applicants reported an average income of $242,687. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Kansas City, MO-KS (1,491), Denver-Aurora-Lakewood, CO (593) and St. Louis, MO-IL (452) (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 | 4,310 |
| Total Mortgage Loan Application Amount | $1,976,530,000 |
| Average Mortgage Loan Application Amount | $458,591 |
| Highest Mortgage Loan Application Amount | $93,585,000 |
| Average Applicant Income | $242,687 |
| Highest Applicant Income | $8,716,000 |
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Act (HMDA) records UMB Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,491 | $ 335,945,000 | $ 225,315 | $ 176,835 |
| Denver-Aurora-Lakewood, CO | 593 | $ 286,035,000 | $ 482,352 | $ 287,000 |
| St. Louis, MO-IL | 452 | $ 102,780,000 | $ 227,389 | $ 180,926 |
| Phoenix-Mesa-Scottsdale, AZ | 439 | $ 197,155,000 | $ 449,100 | $ 289,000 |
| Outside any metro area | 338 | $ 243,760,000 | $ 721,183 | $ 386,612 |
| Colorado Springs, CO | 102 | $ 74,990,000 | $ 735,196 | $ 223,000 |
| Dallas-Plano-Irving, TX | 95 | $ 53,655,000 | $ 564,789 | $ 279,000 |
| Springfield, MO | 86 | $ 23,190,000 | $ 269,651 | $ 142,000 |
| Fort Worth-Arlington, TX | 64 | $ 16,850,000 | $ 263,281 | $ 154,000 |
| St. Joseph, MO-KS | 57 | $ 4,935,000 | $ 86,578 | $ 89,508 |
| Wichita, KS | 43 | $ 11,025,000 | $ 256,395 | $ 192,000 |
| Oklahoma City, OK | 42 | $ 6,060,000 | $ 144,285 | $ 147,000 |
| Columbia, MO | 39 | $ 16,715,000 | $ 428,589 | $ 199,000 |
| Tulsa, OK | 35 | $ 5,885,000 | $ 168,142 | $ 145,000 |
| Boulder, CO | 29 | $ 16,835,000 | $ 580,517 | $ 420,000 |
| Joplin, MO | 22 | $ 3,470,000 | $ 157,727 | $ 154,000 |
| Lawrence, KS | 20 | $ 4,800,000 | $ 240,000 | $ 197,000 |
| Fort Collins, CO | 16 | $ 10,780,000 | $ 673,750 | $ 293,000 |
| Omaha-Council Bluffs, NE-IA | 16 | $ 9,180,000 | $ 573,750 | $ 363,312 |
| Topeka, KS | 16 | $ 1,190,000 | $ 74,375 | $ 91,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 37,535,000 | $ 2,502,333 | $ 366,000 |
| Greeley, CO | 14 | $ 4,920,000 | $ 351,428 | $ 264,000 |
| Prescott Valley-Prescott, AZ | 13 | $ 51,665,000 | $ 3,974,230 | $ 173,000 |
| Salt Lake City, UT | 13 | $ 9,995,000 | $ 768,846 | $ 439,000 |
| Manhattan, KS | 11 | $ 1,585,000 | $ 144,090 | $ 60,000 |
| Tucson, AZ | 9 | $ 2,745,000 | $ 305,000 | $ 176,000 |
| San Diego-Carlsbad, CA | 8 | $ 12,350,000 | $ 1,543,750 | $ 765,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 9,305,000 | $ 1,329,285 | $ 1,781,000 |
| Austin-Round Rock, TX | 6 | $ 4,260,000 | $ 710,000 | $ 219,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 7,725,000 | $ 1,545,000 | $ 3,357,000 |
| Flagstaff, AZ | 5 | $ 2,415,000 | $ 483,000 | $ 245,000 |
| Jefferson City, MO | 5 | $ 615,000 | $ 123,000 | $ 70,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,535,000 | $ 307,000 | $ 517,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,620,000 | $ 905,000 | $ 614,000 |
| Ogden-Clearfield, UT | 4 | $ 3,080,000 | $ 770,000 | $ 0 |
| Panama City, FL | 4 | $ 2,070,000 | $ 517,500 | $ 333,000 |
| Albuquerque, NM | 3 | $ 1,255,000 | $ 418,333 | $ 2,414,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 4,855,000 | $ 1,618,333 | $ 427,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 2,095,000 | $ 698,333 | $ 416,000 |
| Grand Junction, CO | 3 | $ 835,000 | $ 278,333 | $ 135,000 |
| Napa, CA | 3 | $ 22,005,000 | $ 7,335,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 2,595,000 | $ 865,000 | $ 830,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 935,000 | $ 311,666 | $ 516,000 |
| Pueblo, CO | 3 | $ 395,000 | $ 131,666 | $ 146,000 |
| Akron, OH | 2 | $ 130,000 | $ 65,000 | $ 185,000 |
| Asheville, NC | 2 | $ 850,000 | $ 425,000 | $ 311,000 |
| Baton Rouge, LA | 2 | $ 830,000 | $ 415,000 | $ 180,000 |
| Boston, MA | 2 | $ 1,400,000 | $ 700,000 | $ 532,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 630,000 | $ 315,000 | $ 376,000 |
| Chattanooga, TN-GA | 2 | $ 2,130,000 | $ 1,065,000 | $ 938,500 |
| Chicago-Naperville, IL | 2 | $ 11,960,000 | $ 5,980,000 | $ 2,574,000 |
| Cleveland-Elyria, OH | 2 | $ 81,680,000 | $ 40,840,000 | $ 1,354,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 2,460,000 | $ 1,230,000 | $ 780,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 810,000 | $ 405,000 | $ 177,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 720,000 | $ 360,000 | $ 272,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 630,000 | $ 315,000 | $ 202,000 |
| New York-Newark, NY | 2 | $ 2,140,000 | $ 1,070,000 | $ 227,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 65,160,000 | $ 32,580,000 | $ 1,058,000 |
| Port St. Lucie, FL | 2 | $ 650,000 | $ 325,000 | $ 148,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 410,000 | $ 205,000 | $ 161,000 |
| Reading, PA | 2 | $ 320,000 | $ 160,000 | $ 344,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,920,000 | $ 960,000 | $ 167,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,570,000 | $ 785,000 | $ 336,000 |
| Santa Fe, NM | 2 | $ 760,000 | $ 380,000 | $ 413,000 |
| Savannah, GA | 2 | $ 1,060,000 | $ 530,000 | $ 748,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,210,000 | $ 605,000 | $ 823,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,710,000 | $ 855,000 | $ 377,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 3,095,000 | $ 3,095,000 | $ 762,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 695,000 | $ 695,000 | $ 330,000 |
| Boise City, ID | 1 | $ 75,005,000 | $ 75,005,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 505,000 | $ 505,000 | $ 76,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 515,000 | $ 515,000 | $ 237,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 905,000 | $ 905,000 | $ 342,000 |
| Cape Girardeau, MO-IL | 1 | $ 795,000 | $ 795,000 | $ 265,000 |
| Charleston-North Charleston, SC | 1 | $ 585,000 | $ 585,000 | $ 206,000 |
| Coeur D'Alene, ID | 1 | $ 1,755,000 | $ 1,755,000 | $ 551,000 |
| Des Moines-West Des Moines, IA | 1 | $ 965,000 | $ 965,000 | $ 3,464,000 |
| Duluth, MN-WI | 1 | $ 255,000 | $ 255,000 | $ 265,000 |
| Elgin, IL | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 505,000 | $ 505,000 | $ 271,000 |
| Fayetteville, NC | 1 | $ 95,000 | $ 95,000 | $ 316,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Jackson, MS | 1 | $ 905,000 | $ 905,000 | $ 215,000 |
| Jacksonville, FL | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Johnson City, TN | 1 | $ 665,000 | $ 665,000 | $ 220,000 |
| Kalamazoo-Portage, MI | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 165,000 | $ 165,000 | $ 349,000 |
| Knoxville, TN | 1 | $ 485,000 | $ 485,000 | $ 59,000 |
| Logan, UT-ID | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Philadelphia, PA | 1 | $ 505,000 | $ 505,000 | $ 125,000 |
| Portland-South Portland, ME | 1 | $ 1,005,000 | $ 1,005,000 | $ 180,000 |
| Provo-Orem, UT | 1 | $ 505,000 | $ 505,000 | $ 246,000 |
| Reno, NV | 1 | $ 2,005,000 | $ 2,005,000 | $ 694,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,875,000 | $ 1,875,000 | $ 1,526,000 |
| Rochester, MN | 1 | $ 865,000 | $ 865,000 | $ 375,000 |
| Salinas, CA | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 535,000 | $ 535,000 | $ 549,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,505,000 | $ 1,505,000 | $ 621,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Sioux City, IA-NE-SD | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| St. George, UT | 1 | $ 1,605,000 | $ 1,605,000 | $ 345,000 |
| Tacoma-Lakewood, WA | 1 | $ 385,000 | $ 385,000 | $ 86,000 |
| Tallahassee, FL | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| The Villages, FL | 1 | $ 315,000 | $ 315,000 | $ 350,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 605,000 | $ 605,000 | $ 296,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 1,325,000 | $ 1,325,000 | $ 683,000 |
| Worcester, MA-CT | 1 | $ 905,000 | $ 905,000 | $ 366,000 |
Mortgage Loan Application Detail Totals for UMB Bank NA in 2022
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 | 1,364 | $1,245,940,000 | $913,000 | $93,585,000 | $272,000 | $5,461,000 |
| Home Improvement | 1,242 | $152,920,000 | $123,000 | $2,505,000 | $187,000 | $5,011,000 |
| Refinancing | 909 | $374,985,000 | $412,000 | $11,755,000 | $251,000 | $3,464,000 |
| Other Purpose | 729 | $188,115,000 | $258,000 | $5,165,000 | $285,000 | $8,716,000 |
| Cash-out Refinancing | 66 | $14,570,000 | $220,000 | $1,315,000 | $103,000 | $683,000 |
| 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 | 2,938 | $957,370,000 | $325,000 | $7,405,000 | $257,000 | $5,011,000 |
| Not Provided | 558 | $168,600,000 | $302,000 | $4,555,000 | $277,000 | $8,716,000 |
| Hispanic | 316 | $82,390,000 | $260,000 | $2,725,000 | $142,000 | $3,360,000 |
| Black or African American | 233 | $43,965,000 | $188,000 | $2,805,000 | $119,000 | $2,560,000 |
| Asian | 121 | $49,575,000 | $409,000 | $2,095,000 | $252,000 | $1,320,000 |
| Not applicable | 109 | $670,275,000 | $6,149,000 | $93,585,000 | $0 | $0 |
| American Indian or Alaskan Native | 30 | $3,030,000 | $101,000 | $365,000 | $94,000 | $239,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,025,000 | $341,000 | $545,000 | $127,000 | $296,000 |
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) | 4,261 | $1,961,505,000 | $460,000 | $93,585,000 | $244,000 | $8,716,000 |
| FHA-insured (Federal Housing Administration) | 28 | $8,200,000 | $292,000 | $465,000 | $89,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 12 | $4,560,000 | $380,000 | $855,000 | $124,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,265,000 | $251,000 | $455,000 | $70,000 | $112,000 |
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 | 2,795 | $1,472,965,000 | $527,000 | $93,585,000 | $270,000 | $8,660,000 |
| Application Denied By Financial Institution | 906 | $202,020,000 | $222,000 | $5,005,000 | $155,000 | $4,640,000 |
| Application Withdrawn By Applicant | 431 | $154,035,000 | $357,000 | $12,805,000 | $230,000 | $8,716,000 |
| Preapproval Approved but not Accepted | 70 | $66,040,000 | $943,000 | $3,295,000 | $391,000 | $940,000 |
| Application Approved But Not Accepted | 64 | $59,620,000 | $931,000 | $36,755,000 | $195,000 | $3,199,000 |
| File Closed For Incompleteness | 35 | $10,985,000 | $313,000 | $1,325,000 | $212,000 | $1,680,000 |
| Preapproval Denied by Financial Institution | 8 | $10,620,000 | $1,327,000 | $3,205,000 | $417,000 | $938,000 |
| Loan Purchased By The Institution | 1 | $245,000 | $245,000 | $245,000 | $46,000 | $46,000 |
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 | 3,396 | $1,763,890,000 | $519,000 | $93,585,000 | $265,000 | $8,716,000 |
| Debt-To-Income Ratio | 413 | $88,985,000 | $215,000 | $2,805,000 | $102,000 | $4,640,000 |
| Credit History | 216 | $30,110,000 | $139,000 | $3,205,000 | $121,000 | $923,000 |
| Other | 110 | $47,320,000 | $430,000 | $4,005,000 | $328,000 | $4,215,000 |
| Credit Application Incomplete | 86 | $21,950,000 | $255,000 | $5,005,000 | $221,000 | $4,260,000 |
| Collateral | 74 | $19,960,000 | $269,000 | $1,885,000 | $280,000 | $1,500,000 |
| Unverifiable Information | 12 | $2,440,000 | $203,000 | $1,225,000 | $96,000 | $635,000 |
| Employment History | 2 | $320,000 | $160,000 | $255,000 | $78,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,555,000 | $1,555,000 | $1,555,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UMB Bank NA's 2022 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About