PlainLender

UMB BANK NA

KANSAS CITY, MO

UMB BANK NA processed 3,080 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,902 loans with a 24.4% denial rate. Home Purchase was the primary loan purpose. Based in KANSAS CITY, MO. The approval rate of 61.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. UMB BANK NA processed 3,080 HMDA-reported mortgage applications in 2024, originating 1,902 loans and denying 752 for a denial rate of 24.4% (applicants themselves withdrew 289 files before a decision). The average loan amount was $366,747 at a 6.872% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI VNOO6EITDJ2YUEBMSZ83 from KANSAS CITY, MO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. UMB BANK NA's 61.8% origination rate tells you how often an application turned into funded money; the 24.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (2,883 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

3,080
Applications
1,902
Originated
24.4%
Denial Rate
$366,747
Avg Loan Amount
Avg Interest Rate: 6.872% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 2,883 1,778 728 $374,174
FHA 161 103 19 $239,286
VA 32 19 5 $361,563
USDA 4 2 0 $185,000

Top loan types — UMB BANK NA

Top loan types — UMB BANK NA Horizontal bar chart of the top 4 items by value (applications). Top loan types — UMB BANK NA Top 4 1. Conventional 2,883 2. FHA 161 3. VA 32 4. USDA 4 Top 5 loan types by application volume at UMB BANK NA (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for UMB BANK NA (LEI: VNOO6EITDJ2YUEBMSZ83) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
398
Credit history
284
Other
130
Collateral
103
Credit application incomplete
80
Unverifiable information
16
Employment history
8
Insufficient cash
6

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 915 628 $667,842
Home Improvement 841 495 $135,999
Refinancing 701 496 $412,347
Other 573 254 $181,370
Cash-out Refinancing 50 29 $223,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,180 63.8% 23.3%
Black or African American 136 39.7% 47.1%
Joint 77 63.6% 19.5%
Asian 73 42.5% 27.4%
American Indian or Alaska Native 21 42.9% 33.3%
Native Hawaiian or Other Pacific Islander 4 0.0% 50.0%
2 or more minority races 2 0.0% 50.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 2,168 62.9% 23.7%
Hispanic or Latino 233 49.4% 33.5%
Joint 54 68.5% 18.5%

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

NBKC BANK

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

FLAT BRANCH MORTGAGE, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

DAS ACQUISITION COMPANY, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare UMB BANK NA vs Mortgage Research Center →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did UMB BANK NA process?
UMB BANK NA processed 3,080 mortgage applications in the 2023 HMDA reporting year. Of these, 1,902 were originated (approved and funded), 289 were withdrawn by the applicant, and 752 were denied.
What is UMB BANK NA's mortgage approval rate?
UMB BANK NA has an approval (origination) rate of 61.8%, meaning 61.8% of all applications resulted in a funded mortgage. The denial rate is 24.4%.
What is the average loan amount at UMB BANK NA?
The average mortgage loan amount at UMB BANK NA is $366,747. The average interest rate is 6.872%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at UMB BANK NA?
The most common reasons for mortgage denial at UMB BANK NA are: Debt-to-income ratio, Credit history, Other. In total, 752 applications were denied out of 3,080 total applications.
What types of mortgage loans does UMB BANK NA offer?
UMB BANK NA processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 2,883 applications and an average loan amount of $374,174.
What loan purposes does UMB BANK NA serve?
UMB BANK NA serves the following loan purposes: Home Purchase (915 applications), Home Improvement (841 applications), Refinancing (701 applications), Other (573 applications), Cash-out Refinancing (50 applications). Home Purchase is the most common purpose.
Where is UMB BANK NA located?
UMB BANK NA is headquartered in KANSAS CITY, MO. The lender is identified by LEI VNOO6EITDJ2YUEBMSZ83 in HMDA data.
How does UMB BANK NA compare in lending across racial demographics?
UMB BANK NA reports demographic lending data under HMDA requirements. White applicants have an approval rate of 63.8% and denial rate of 23.3%; Black or African American applicants have an approval rate of 39.7% and denial rate of 47.1%; Joint applicants have an approval rate of 63.6% and denial rate of 19.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.