UMB Bank NA Mortgage Lending & HMDA Data, 2023
In 2023, UMB Bank NA of Kansas City, MO reported 3,665 mortgage applications totaling $1.4 billion, down 15% from 2022. The average application was for $377,927, and applicants reported an average income of $212,995. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Kansas City, MO-KS (1,420), Denver-Aurora-Lakewood, CO (475) and Phoenix-Mesa-Scottsdale, AZ (405) (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 | 3,665 |
| Total Mortgage Loan Application Amount | $1,385,105,000 |
| Average Mortgage Loan Application Amount | $377,927 |
| Highest Mortgage Loan Application Amount | $73,005,000 |
| Average Applicant Income | $212,995 |
| Highest Applicant Income | $8,761,000 |
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Act (HMDA) records UMB Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,420 | $ 256,430,000 | $ 180,584 | $ 143,546 |
| Denver-Aurora-Lakewood, CO | 475 | $ 312,015,000 | $ 656,873 | $ 256,000 |
| Phoenix-Mesa-Scottsdale, AZ | 405 | $ 277,125,000 | $ 684,259 | $ 326,000 |
| Outside any metro area | 371 | $ 157,005,000 | $ 423,194 | $ 281,772 |
| St. Louis, MO-IL | 290 | $ 72,030,000 | $ 248,379 | $ 206,703 |
| Dallas-Plano-Irving, TX | 73 | $ 42,615,000 | $ 583,767 | $ 345,000 |
| Colorado Springs, CO | 68 | $ 12,010,000 | $ 176,617 | $ 138,000 |
| Fort Worth-Arlington, TX | 68 | $ 28,390,000 | $ 417,500 | $ 259,000 |
| Springfield, MO | 54 | $ 18,080,000 | $ 334,814 | $ 154,000 |
| Oklahoma City, OK | 53 | $ 7,585,000 | $ 143,113 | $ 131,000 |
| St. Joseph, MO-KS | 51 | $ 3,705,000 | $ 72,647 | $ 72,000 |
| Topeka, KS | 29 | $ 3,075,000 | $ 106,034 | $ 91,000 |
| Tulsa, OK | 26 | $ 3,540,000 | $ 136,153 | $ 222,000 |
| Columbia, MO | 25 | $ 5,535,000 | $ 221,400 | $ 189,000 |
| Boulder, CO | 23 | $ 11,885,000 | $ 516,739 | $ 357,000 |
| Wichita, KS | 22 | $ 4,050,000 | $ 184,090 | $ 164,000 |
| Joplin, MO | 17 | $ 1,665,000 | $ 97,941 | $ 139,000 |
| Prescott Valley-Prescott, AZ | 16 | $ 4,250,000 | $ 265,625 | $ 243,000 |
| Greeley, CO | 15 | $ 4,085,000 | $ 272,333 | $ 349,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 5,605,000 | $ 431,153 | $ 349,000 |
| Lawrence, KS | 12 | $ 2,220,000 | $ 185,000 | $ 105,000 |
| Fort Collins, CO | 8 | $ 4,260,000 | $ 532,500 | $ 312,000 |
| Manhattan, KS | 8 | $ 1,600,000 | $ 200,000 | $ 99,000 |
| Tucson, AZ | 8 | $ 3,430,000 | $ 428,750 | $ 218,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 5,275,000 | $ 753,571 | $ 664,000 |
| Albuquerque, NM | 6 | $ 2,260,000 | $ 376,666 | $ 250,000 |
| Jefferson City, MO | 5 | $ 505,000 | $ 101,000 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 3,035,000 | $ 607,000 | $ 261,800 |
| Salt Lake City, UT | 5 | $ 1,905,000 | $ 381,000 | $ 243,000 |
| Austin-Round Rock, TX | 4 | $ 4,180,000 | $ 1,045,000 | $ 759,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,820,000 | $ 455,000 | $ 264,000 |
| Flagstaff, AZ | 4 | $ 2,740,000 | $ 685,000 | $ 363,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,910,000 | $ 477,500 | $ 490,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,880,000 | $ 470,000 | $ 442,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,885,000 | $ 961,666 | $ 375,666 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,940,000 | $ 970,000 | $ 338,000 |
| Baton Rouge, LA | 2 | $ 290,000 | $ 145,000 | $ 51,000 |
| Billings, MT | 2 | $ 490,000 | $ 245,000 | $ 86,000 |
| Boise City, ID | 2 | $ 880,000 | $ 440,000 | $ 132,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 400,000 | $ 200,000 | $ 368,000 |
| Chicago-Naperville, IL | 2 | $ 920,000 | $ 460,000 | $ 146,000 |
| El Paso, TX | 2 | $ 360,000 | $ 180,000 | $ 153,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 360,000 | $ 180,000 | $ 327,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,310,000 | $ 655,000 | $ 556,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 990,000 | $ 495,000 | $ 152,000 |
| Provo-Orem, UT | 2 | $ 39,950,000 | $ 19,975,000 | $ 0 |
| San Antonio-New Braunfels, TX | 2 | $ 1,460,000 | $ 730,000 | $ 229,000 |
| San Diego-Carlsbad, CA | 2 | $ 4,170,000 | $ 2,085,000 | $ 1,440,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 2,120,000 | $ 1,060,000 | $ 953,000 |
| Wilmington, NC | 2 | $ 370,000 | $ 185,000 | $ 166,000 |
| Ames, IA | 1 | $ 345,000 | $ 345,000 | $ 338,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 5,000 | $ 5,000 | $ 82,000 |
| Bloomington, IN | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Brownsville-Harlingen, TX | 1 | $ 235,000 | $ 235,000 | $ 447,000 |
| Cape Girardeau, MO-IL | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Charleston, WV | 1 | $ 355,000 | $ 355,000 | $ 150,000 |
| Charleston-North Charleston, SC | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 625,000 | $ 625,000 | $ 222,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 2,645,000 | $ 2,645,000 | $ 1,401,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Killeen-Temple, TX | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Lakeland-Winter Haven, FL | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 695,000 | $ 695,000 | $ 961,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 135,000 | $ 135,000 | $ 212,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 2,565,000 | $ 2,565,000 | $ 1,164,000 |
| Ogden-Clearfield, UT | 1 | $ 425,000 | $ 425,000 | $ 229,000 |
| Oshkosh-Neenah, WI | 1 | $ 185,000 | $ 185,000 | $ 820,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 255,000 | $ 255,000 | $ 323,000 |
| Pueblo, CO | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Reno, NV | 1 | $ 585,000 | $ 585,000 | $ 309,000 |
| Richmond, VA | 1 | $ 1,105,000 | $ 1,105,000 | $ 200,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 705,000 | $ 705,000 | $ 315,000 |
| Santa Fe, NM | 1 | $ 575,000 | $ 575,000 | $ 658,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 7,205,000 | $ 7,205,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 5,000 | $ 5,000 | $ 188,000 |
| Sebastian-Vero Beach, FL | 1 | $ 705,000 | $ 705,000 | $ 316,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Stockton-Lodi, CA | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 2,105,000 | $ 2,105,000 | $ 611,000 |
Mortgage Loan Application Detail Totals for UMB Bank NA in 2023
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 | 1,426 | $967,450,000 | $678,000 | $73,005,000 | $250,000 | $6,058,000 |
| Home Improvement | 944 | $108,590,000 | $115,000 | $3,605,000 | $159,000 | $2,432,000 |
| Refinancing | 633 | $194,965,000 | $308,000 | $14,655,000 | $233,000 | $8,761,000 |
| Other Purpose | 619 | $103,465,000 | $167,000 | $3,175,000 | $197,000 | $4,244,000 |
| Cash-out Refinancing | 43 | $10,635,000 | $247,000 | $905,000 | $107,000 | $258,000 |
| 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 | 2,285 | $653,665,000 | $286,000 | $7,205,000 | $236,000 | $8,761,000 |
| Not Provided | 513 | $148,755,000 | $289,000 | $8,865,000 | $244,000 | $5,346,000 |
| Hispanic | 407 | $96,505,000 | $237,000 | $2,265,000 | $109,000 | $2,853,000 |
| Black or African American | 244 | $41,870,000 | $171,000 | $775,000 | $93,000 | $648,000 |
| Asian | 102 | $45,170,000 | $442,000 | $3,605,000 | $272,000 | $1,800,000 |
| Not applicable | 70 | $393,340,000 | $5,619,000 | $73,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 36 | $5,010,000 | $139,000 | $545,000 | $94,000 | $548,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $380,000 | $63,000 | $105,000 | $132,000 | $202,000 |
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) | 3,506 | $1,343,070,000 | $383,000 | $73,005,000 | $218,000 | $8,761,000 |
| FHA-insured (Federal Housing Administration) | 130 | $35,400,000 | $272,000 | $665,000 | $86,000 | $328,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,345,000 | $255,000 | $615,000 | $96,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,290,000 | $190,000 | $365,000 | $72,000 | $119,000 |
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 | 2,311 | $1,028,895,000 | $445,000 | $73,005,000 | $237,000 | $8,761,000 |
| Application Denied By Financial Institution | 878 | $153,210,000 | $174,000 | $4,005,000 | $133,000 | $5,005,000 |
| Application Withdrawn By Applicant | 334 | $119,400,000 | $357,000 | $10,405,000 | $189,000 | $2,980,000 |
| Preapproval Approved but not Accepted | 56 | $46,120,000 | $823,000 | $4,005,000 | $570,000 | $2,899,000 |
| Application Approved But Not Accepted | 45 | $8,005,000 | $177,000 | $785,000 | $159,000 | $719,000 |
| File Closed For Incompleteness | 21 | $10,765,000 | $512,000 | $2,205,000 | $305,000 | $2,492,000 |
| Preapproval Denied by Financial Institution | 20 | $18,710,000 | $935,000 | $2,005,000 | $476,000 | $1,910,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,767 | $1,213,185,000 | $438,000 | $73,005,000 | $237,000 | $8,761,000 |
| Debt-To-Income Ratio | 484 | $97,480,000 | $201,000 | $3,605,000 | $109,000 | $1,500,000 |
| Credit History | 193 | $23,435,000 | $121,000 | $2,005,000 | $138,000 | $2,853,000 |
| Credit Application Incomplete | 89 | $16,585,000 | $186,000 | $1,395,000 | $194,000 | $1,910,000 |
| Collateral | 55 | $18,615,000 | $338,000 | $4,005,000 | $287,000 | $5,005,000 |
| Other | 52 | $11,210,000 | $215,000 | $965,000 | $228,000 | $1,500,000 |
| Unverifiable Information | 12 | $1,960,000 | $163,000 | $555,000 | $83,000 | $283,000 |
| Employment History | 11 | $2,265,000 | $205,000 | $565,000 | $64,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $370,000 | $185,000 | $225,000 | $75,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UMB Bank NA's 2023 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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