Lenders › UMB Bank NA › Missouri
UMB Bank NA in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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.
In Missouri, UMB Bank NA reported 1,226 applications and 738 originations for 2024, $137m in all.
Its denial rate in the state was 31.0%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 27.8%.
The median rate spread on its Missouri originations was -0.3 percentage points (state median 0.4).
Applications in the state were down 16% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | UMB Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 31.0% | 19.9% | 27.8% | 24.3% |
| Median rate spread, pp | -0.3 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.9% | 14.1% | 7.0% | 15.6% |
| Average originated loan | $185k | $231k | $402k | $329k |
| Home purchase share | 29.7% | 58.6% | 33.0% | 57.0% |
| FHA-insured share | 8.1% | 12.8% | 5.4% | 13.4% |
| VA-guaranteed share | 0.5% | 8.2% | 1.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 30% (219)Home improvement 26% (190)Refinancing 27% (197)Cash-out refinancing 2% (14)Other purpose 16% (118)
By type
Conventional 91% (672)FHA 8% (60)VA 1% (4)USDA 0% (2)
Denial reasons as coded
Share of 342 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 397 | 235 | $50m | 31.0% |
| St. Louis County | 146 | 90 | $23m | 32.1% |
| Clay County | 121 | 75 | $8.2m | 30.4% |
| Cass County | 75 | 48 | $8.3m | 25.8% |
| St. Charles County | 62 | 45 | $8.3m | 23.0% |
| Platte County | 48 | 31 | $7.7m | 31.1% |
| Greene County | 45 | 26 | $6.7m | 25.7% |
| Buchanan County | 34 | 17 | $2.0m | 41.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did UMB Bank NA originate in Missouri in 2024?
738 loans totalling $137m, from 1,226 applications reported for properties in Missouri.
What is UMB Bank NA's denial rate in Missouri?
31.0% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does UMB Bank NA lend in most?
By originations: Jackson County (235), St. Louis County (90), Clay County (75), Cass County (48), St. Charles County (45).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.