Lenders › UMB Bank NA › Arizona
UMB Bank NA in Arizona
HMDA record for properties in Arizona, calendar year 2024. National record · Arizona overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
UMB Bank NA's 2024 HMDA record for Arizona covers 343 applications, 221 of them originated, worth $119m.
Its denial rate in the state was 24.6%, above the Arizona rate of 22.2% across all lenders and compared with the lender's national rate of 27.8%.
The median rate spread on its Arizona originations was -0.5 percentage points (state median 0.3).
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Arizona | Arizona, all lenders | UMB Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 24.6% | 22.2% | 27.8% | 24.3% |
| Median rate spread, pp | -0.5 | 0.3 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 16.7% | 7.0% | 15.6% |
| Average originated loan | $537k | $353k | $402k | $329k |
| Home purchase share | 46.2% | 55.6% | 33.0% | 57.0% |
| FHA-insured share | 7.2% | 17.9% | 5.4% | 13.4% |
| VA-guaranteed share | 0.5% | 9.6% | 1.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArizona, all lenders
Loan purpose and loan type in Arizona
By purpose
Home purchase 46% (102)Home improvement 23% (50)Refinancing 14% (31)Cash-out refinancing 2% (5)Other purpose 15% (33)
By type
Conventional 92% (204)FHA 7% (16)VA 0% (1)
Denial reasons as coded
Share of 75 denials in Arizona by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arizona
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Maricopa County | 303 | 198 | $108m | 24.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did UMB Bank NA originate in Arizona in 2024?
221 loans totalling $119m, from 343 applications reported for properties in Arizona.
What is UMB Bank NA's denial rate in Arizona?
24.6% of decided applications in Arizona were denied, against 22.2% for all lenders in the state and 27.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Arizona counties does UMB Bank NA lend in most?
By originations: Maricopa County (198).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arizona. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.