Umb Bank Mortgage Rates, Fees & Info
Kansas City, MOLEI: VNOO6EITDJ2YUEBMSZ83
Tax ID: 44-0194180
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Umb Bank is a small bank specializing in Refi and Home Purchase loans. Umb Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Denver, Kansas City, Phoenix, Salt Lake City, and St. Louis among others. Umb Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Umb Bank is typically an average fee lendor.Originations
3,160Origination Dollar Volume (All Markets)
$1,710,460,000Employee count
2,800Awards
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UMB Bank - 2021
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Relative Rate
Umb Bank's average 30 year fixed rate mortgage of loans were
2.86%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.29%.
Relative Fees
Umb Bank's average total fees for a 30 year fixed rate
mortgage are $3,441.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 467 | $375,835,000 | $804,786 | $2,772 | 2.85% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 994 | $258,930,000 | $260,493 | $1,949 | 2.97% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 274 | $149,400,000 | $545,255 | $3,736 | 2.92% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 8 | $148,410,000 | $18,551,250 | $2,094 | 3.31% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 318 | $147,520,000 | $463,899 | $2,229 | 2.94% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 86 | $85,240,000 | $991,163 | $6,850 | 2.83% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $45,215,000 | $15,071,667 | $5,094 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $36,910,000 | $9,227,500 | $2,169 | 3.04% |
| Outside of Metro Areas | 155 | $29,015,000 | $187,194 | $1,621 | 3.01% |
| Glenwood Springs, CO (FHA|USDA|VA) | 6 | $28,950,000 | $4,825,000 | $3,942 | 2.90% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 89 | $28,945,000 | $325,225 | $2,259 | 2.88% |
| BOULDER, CO (FHA|USDA|VA) | 40 | $25,980,000 | $649,500 | $2,912 | 2.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 10 | $23,480,000 | $2,348,000 | $3,729 | 2.93% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 68 | $19,550,000 | $287,500 | $2,698 | 2.95% |
| Edwards, CO (FHA|USDA|VA) | 15 | $15,955,000 | $1,063,667 | $3,515 | 2.85% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $15,495,000 | $1,721,667 | $5,960 | 2.72% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $14,580,000 | $7,290,000 | $0 | 3.58% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 47 | $14,035,000 | $298,617 | $1,467 | 3.09% |
| COLUMBIA, MO (FHA|USDA|VA) | 43 | $13,795,000 | $320,814 | $1,605 | 3.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $13,740,000 | $1,374,000 | $4,293 | 2.76% |
| WICHITA, KS (FHA|USDA|VA) | 38 | $13,010,000 | $342,368 | $1,702 | 3.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 25 | $11,705,000 | $468,200 | $3,229 | 2.95% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $10,880,000 | $680,000 | $6,610 | 2.90% |
| FORT COLLINS, CO (FHA|USDA|VA) | 18 | $10,390,000 | $577,222 | $2,818 | 2.85% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $9,715,000 | $9,715,000 | $0 | 3.70% |
| Breckenridge, CO (FHA|USDA|VA) | 6 | $8,010,000 | $1,335,000 | $4,298 | 2.96% |
| Heber, UT (FHA|USDA|VA) | 4 | $6,940,000 | $1,735,000 | $6,320 | 2.85% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $6,815,000 | $2,271,667 | $11,279 | 2.90% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $6,715,000 | $610,455 | $4,045 | 2.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $6,655,000 | $950,714 | $7,767 | 2.84% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 44 | $5,360,000 | $121,818 | $1,084 | 3.17% |
| TULSA, OK (FHA|USDA|VA) | 22 | $4,870,000 | $221,364 | $3,011 | 3.12% |
| Outside of Metro Areas | 1 | $4,695,000 | $4,695,000 | $10,446 | 2.69% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $4,440,000 | $740,000 | $6,173 | 2.90% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 8 | $4,430,000 | $553,750 | $3,423 | 3.01% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $4,010,000 | $501,250 | $5,066 | 3.01% |
| PANAMA CITY, FL (FHA|USDA|VA) | 10 | $3,760,000 | $376,000 | $3,599 | 2.83% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $3,655,000 | $406,111 | $4,027 | 3.08% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,885,000 | $577,000 | $4,970 | 2.60% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $2,660,000 | $1,330,000 | $1,948 | 3.30% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $2,630,000 | $1,315,000 | $3,787 | 2.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,530,000 | $632,500 | $3,204 | 2.56% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $1,392 | 2.97% |
| MANHATTAN, KS (FHA|USDA|VA) | 10 | $2,450,000 | $245,000 | $3,072 | 2.98% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $2,853 | 3.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $2,335,000 | $467,000 | $4,025 | 3.12% |
| Steamboat Springs, CO (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $2,918 | 2.94% |
| Key West, FL (FHA|USDA|VA) | 2 | $2,310,000 | $1,155,000 | $7,636 | 2.62% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $2,280,000 | $1,140,000 | $0 | 3.88% |
| Salina, KS (FHA|USDA|VA) | 19 | $2,205,000 | $116,053 | $500 | 3.06% |
| Hilo, HI (FHA|USDA|VA) | 2 | $2,080,000 | $1,040,000 | $0 | 3.22% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $2,070,000 | $1,035,000 | $6,304 | 4.15% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $5,154 | 2.67% |
| JOPLIN, MO (FHA|USDA|VA) | 16 | $2,000,000 | $125,000 | $2,021 | 3.06% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,900,000 | $475,000 | $3,508 | 3.09% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $2,114 | 2.81% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $3,497 | 2.62% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $2,264 | 3.42% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $4,673 | 2.74% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $4,399 | 2.59% |
| TOPEKA, KS (FHA|USDA|VA) | 15 | $1,405,000 | $93,667 | $2,226 | 2.71% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $3,632 | 2.73% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $2,844 | 3.01% |
| Hailey, ID (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $0 | 3.24% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $2,627 | 2.64% |
| Warrensburg, MO (FHA|USDA|VA) | 11 | $1,175,000 | $106,818 | $1,784 | 2.81% |
| TYLER, TX (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $6,325 | 3.62% |
| LAWRENCE, KS (FHA|USDA|VA) | 9 | $1,115,000 | $123,889 | $1,612 | 3.24% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $5,193 | 2.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $4,373 | 2.57% |
| NILES, MI (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $2,433 | 2.80% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $5,608 | 3.25% |
| Atchison, KS (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $1,087 | 3.81% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $2,822 | 3.15% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,215 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $1,883 | 3.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,374 | 2.92% |
| Payson, AZ (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,372 | 3.08% |
| Branson, MO (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,325 | 2.58% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,365 | 2.94% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $1,684 | 2.94% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,406 | 2.56% |
| Brevard, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,155 | 3.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $2,545 | 3.15% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $2,530 | 2.50% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,215 | 3.15% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,086 | 2.71% |
| Durango, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $1,647 | 2.27% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,983 | 2.44% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $877 | 3.05% |
| Pittsburg, KS (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,116 | 2.79% |
| Durant, OK (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,312 | 2.88% |
| Craig, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 4.50% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,681 | 3.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,993 | 2.50% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $1,990 | 2.92% |
| Hays, KS (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,746 | 3.28% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,507 | 2.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,225 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 3.24% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,008 | 2.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,717 | 2.70% |
| McAlester, OK (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,344 | 3.37% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,840 | 3.38% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,861 | 2.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,368 | 3.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,174 | 2.25% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,465 | 2.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,978 | 2.70% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,202 | 2.23% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,795 | 3.25% |
| Riverton, WY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,668 | 3.13% |
| Fremont, NE (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,012 | 2.70% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,462 | 3.15% |
| Great Bend, KS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,352 | 3.06% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,832 | 2.63% |
| Brookings, SD (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,719 | 2.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,987 | 2.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,204 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,264 | 3.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,440 | 2.93% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,785 | 3.28% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.00% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $1,008 | 2.59% |
| Beeville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,497 | 2.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,035 | 3.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.99% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,072 | 2.65% |
| Pella, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,646 | 2.95% |
| Ada, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,344 | 3.50% |
| Bonham, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,835 | 3.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,850 | 2.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,365 | 3.00% |
| Keene, NH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,009 | 2.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,135 | 2.25% |
| Garden City, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,084 | 3.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.21% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,313 | 2.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,986 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.88% |
| Montrose, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.73% |
| Rolla, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.99% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.49% |
Umb Bank's top markets include Denver, Kansas City, Phoenix, Salt Lake City, and St. Louis among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,101 | $1,696,265,000 | $547,006 | $2,608 | 2.95% |
| FHA | 30 | $5,840,000 | $194,667 | $6,197 | 2.89% |
| VA | 27 | $7,895,000 | $292,407 | $4,776 | 2.69% |
| USDA | 2 | $460,000 | $230,000 | $5,829 | 2.50% |
For the 2021 period, Umb Bank's most frequently originated loan type of loans were Conventional, with 3,101 originations. Their 2nd most popular type is FHA, with 30 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 1,196 | $568,280,000 | $475,151 | $2,129 | 2.88% |
| Home Purchase | 717 | $792,695,000 | $1,105,572 | $3,805 | 3.05% |
| Home Improvement | 657 | $175,215,000 | $266,689 | $293 | 2.93% |
| Other | 448 | $144,370,000 | $322,254 | $2,339 | 2.95% |
| Cash Out Refi | 142 | $29,900,000 | $210,563 | $2,990 | 2.97% |
For the 2021, Umb Bank's most frequently cited loan purpose of loans were Refi, with 1,196 originations. The 2nd most popular reason of loans were Home Purchase, with 717 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,460 | $1,013,060,000 | $411,813 | $3,441 | 2.86% |
| 15 Year | 300 | $112,020,000 | $373,400 | $2,346 | 2.80% |
| 20 Year | 185 | $35,115,000 | $189,811 | $755 | 3.57% |
| 10 Year | 97 | $190,545,000 | $1,964,381 | $392 | 3.34% |
| 5 Year | 78 | $115,660,000 | $1,482,821 | $29 | 3.79% |
| Other | 33 | $237,275,000 | $7,190,152 | $719 | 3.49% |
| 1 Year | 5 | $5,855,000 | $1,171,000 | $0 | 3.85% |
| 3 Year | 2 | $930,000 | $465,000 | $0 | 4.79% |
For the 2021, Umb Bank's most frequently cited loan length of loans were 30 Year, with 2,460 originations. The 2nd most popular length of loans were 15 Year, with 300 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,516 | $815,180,000 | $537,718 |
| $1k-2k | 141 | $31,455,000 | $223,085 |
| $2k-3k | 18 | $5,750,000 | $319,444 |
| $3k-4k | 6 | $2,620,000 | $436,667 |
| $5k+ | 1 | $255,000 | $255,000 |
$3,441 of loans were Umb Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,516 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,617 | $604,505,000 | $373,844 |
| 3-4% | 852 | $808,220,000 | $948,615 |
| <2.5% | 575 | $264,675,000 | $460,304 |
| 4-5% | 112 | $30,530,000 | $272,589 |
| 5-6% | 3 | $1,625,000 | $541,667 |
| 6-7% | 1 | $905,000 | $905,000 |
During 2021, Umb Bank's average interest rate of loans were 2.86%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,617 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 784 | $108,590,000 | $138,508 | $1,933 | 2.90% |
| $100,000 or less | 779 | $41,015,000 | $52,651 | $635 | 3.07% |
| $200k-400k | 673 | $190,315,000 | $282,786 | $2,800 | 2.94% |
| $400k-600k | 342 | $165,820,000 | $484,854 | $2,939 | 2.88% |
| $600k-1MM | 328 | $249,780,000 | $761,524 | $3,260 | 2.92% |
| $1MM+ | 254 | $954,940,000 | $3,759,606 | $5,585 | 2.80% |
2021 saw Umb Bank place emphasis on $100k-200k loans with 784 originations, totaling $108,590,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 1,007 | $722,135,000 | $717,115 | $3,688 | 2.88% |
| $150k-250k | 603 | $179,425,000 | $297,554 | $2,534 | 2.94% |
| $100k-150k | 427 | $80,505,000 | $188,536 | $2,262 | 2.96% |
| $50k-75k | 338 | $40,050,000 | $118,491 | $2,009 | 2.93% |
| $50k or less | 271 | $25,295,000 | $93,339 | $1,830 | 2.96% |
| $75k-100k | 256 | $37,730,000 | $147,383 | $1,939 | 2.96% |
Umb Bank lent most frequently to those with incomes in the $250k+ range, with 1,007 originations. The second most popular income band? $150k-250k, with 603 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 894 | $298,410,000 | $333,792 | $2,337 | 2.91% |
| <20% | 733 | $338,845,000 | $462,271 | $2,903 | 2.88% |
| 30-36% | 528 | $159,180,000 | $301,477 | $2,530 | 2.97% |
| 42% | 101 | $29,335,000 | $290,446 | $2,570 | 2.93% |
| 44% | 93 | $19,095,000 | $205,323 | $2,583 | 2.89% |
| 40% | 90 | $32,630,000 | $362,556 | $3,071 | 3.07% |
| 38% | 87 | $30,905,000 | $355,230 | $2,678 | 2.81% |
| 36% | 73 | $31,265,000 | $428,288 | $2,974 | 2.93% |
| 43% | 72 | $23,550,000 | $327,083 | $2,787 | 3.01% |
| 37% | 71 | $31,255,000 | $440,211 | $3,417 | 2.92% |
| 39% | 70 | $21,930,000 | $313,286 | $2,452 | 3.05% |
| 41% | 67 | $18,265,000 | $272,612 | $3,467 | 2.96% |
| 45% | 47 | $13,635,000 | $290,106 | $3,202 | 2.88% |
| 50-60% | 44 | $19,150,000 | $435,227 | $2,695 | 2.89% |
| >60% | 31 | $29,685,000 | $957,581 | $3,723 | 2.77% |
| 46% | 18 | $10,400,000 | $577,778 | $3,561 | 2.95% |
| 48% | 17 | $9,995,000 | $587,941 | $3,532 | 3.01% |
| 49% | 13 | $3,035,000 | $233,462 | $4,313 | 3.02% |
| 47% | 9 | $5,045,000 | $560,556 | $4,320 | 2.70% |
Umb Bank lent most frequently to those with DTI ratios of 20-30%, with 894 originations. The next most common DTI ratio? <20%, with 733 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,467 | $899,885,000 | $364,769 | $2,566 | 2.93% |
| Not applicable | 89 | $575,035,000 | $6,461,067 | $0 | 3.61% |
| Not provided | 432 | $172,110,000 | $398,403 | $3,316 | 2.85% |
| Asian | 89 | $44,655,000 | $501,742 | $3,427 | 2.94% |
| Black | 60 | $13,270,000 | $221,167 | $2,961 | 2.93% |
| American Indian | 20 | $4,850,000 | $242,500 | $3,457 | 3.09% |
| Other Asian | 1 | $445,000 | $445,000 | $0 | 3.00% |
| Native Hawaiian | 2 | $210,000 | $105,000 | $0 | 2.58% |
Approval Rates
Total approvals of all applications80.67%
Umb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination83.52%
Umb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,160 | $1,710,460,000 | $541,285 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,160 | $1,710,460,000 | $541,285 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 672 | $164,880,000 | $245,357 | $1,396 | 2.89% |
| 40-60% | 512 | $583,310,000 | $1,139,277 | $2,244 | 2.86% |
| 60-80% | 744 | $571,540,000 | $768,199 | $3,077 | 2.96% |
| 80-100% | 536 | $326,250,000 | $608,675 | $3,654 | 2.99% |
| Over 100% | 4 | $1,310,000 | $327,500 | $13,561 | 2.56% |
| Under 20% | 692 | $63,170,000 | $91,286 | $347 | 2.99% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| UMB Bank, National Association | 101 North High Street Belleville, IL 62220 | Full Service B&M | $64,869 |
| UMB Bank, National Association | 1 Church Street Ferguson, MO 63135 | Full Service B&M | $94,807 |
| UMB Bank, National Association | 1 Victory Drive Liberty, MO 64068 | Full Service B&M | $115,519 |
| UMB Bank, National Association | 100 South Santa Fe Avenue Salina, KS 67401 | Full Service B&M | $122,735 |
| UMB Bank, National Association | 101 North Cascade Avenue Colorado Springs, CO 80903 | Full Service B&M | $135,054 |
| UMB Bank, National Association | 444 N. Rock Road Wichita, KS 67206 | Full Service B&M | $13,459 |
| UMB Bank, National Association | 1211 N. Belt Highway Saint Joseph, MO 64506 | Full Service B&M | $74,111 |
| UMB Bank, National Association | 12210 S 71 Highway Grandview, MO 64030 | Full Service B&M | $110,355 |
| UMB Bank, National Association | 130 North Market Street Wichita, KS 67202 | Full Service B&M | $175,587 |
| UMB Bank, National Association | 1310 Carondelet Drive Kansas City, MO 64114 | Full Service B&M | $244,599 |
| UMB Bank, National Association | 13404 North La Montana Drive Fountain Hills, AZ 85268 | Full Service B&M | $52,849 |
| UMB Bank, National Association | 13813 East 39th Street Independence, MO 64055 | Full Service B&M | $57,182 |
| UMB Bank, National Association | 1400 Wewatta St Denver, CO 80202 | Full Service B&M | $26,946 |
| UMB Bank, National Association | 1437 South Boulder Tulsa, OK 74119 | Full Service B&M | $56,092 |
| UMB Bank, National Association | 1441 Wakarusa Drive Lawrence, KS 66049 | Full Service B&M | $38,238 |
| UMB Bank, National Association | 14801 W 151st Street Olathe, KS 66062 | Full Service B&M | $66,684 |
| UMB Bank, National Association | 1516 Chapel Hill Columbia, MO 65203 | Full Service B&M | $95,809 |
| UMB Bank, National Association | 15400 Clayton Road Ballwin, MO 63011 | Full Service B&M | $43,102 |
| UMB Bank, National Association | 16210 N Scottsdale Rd Scottsdale, AZ 85254 | Full Service B&M | $190,689 |
| UMB Bank, National Association | 1635 East Colfax Avenue Denver, CO 80218 | Full Service B&M | $181,369 |
| UMB Bank, National Association | 1670 Broadway Denver, CO 80202 | Full Service B&M | $1,727,644 |
| UMB Bank, National Association | 1675 North 95th Lane Phoenix, AZ 85040 | Full Service B&M | $328,518 |
| UMB Bank, National Association | 16900 Gudgell Road Independence, MO 64057 | Full Service B&M | $63,201 |
| UMB Bank, National Association | 16929 Burke Street Omaha, NE 68118 | Full Service B&M | $105,459 |
| UMB Bank, National Association | 1800 Grand Avenue Kansas City, MO 64108 | Full Service B&M | $100,502 |
| UMB Bank, National Association | 18261 W 119th Street Olathe, KS 66061 | Full Service B&M | $43,000 |
| UMB Bank, National Association | 18909 East 48th Street Independence, MO 64055 | Full Service B&M | $10,889 |
| UMB Bank, National Association | 2 South Broadway St. Louis, MO 63102 | Full Service B&M | $1,357,812 |
| UMB Bank, National Association | 200 State Rt C. Highway Peculiar, MO 64078 | Full Service B&M | $91,280 |
| UMB Bank, National Association | 2001 West Wickenburg Way, Suite 2 Wickenburg, AZ 85390 | Full Service B&M | $71,821 |
| UMB Bank, National Association | 201 East Main Street Collinsville, IL 62234 | Full Service B&M | $107,914 |
| UMB Bank, National Association | 204 North Robinson Avenue Oklahoma City, OK 73108 | Full Service B&M | $99,106 |
| UMB Bank, National Association | 2079 Penn Sq Oklahoma City, OK 73118 | Full Service B&M | $71,025 |
| UMB Bank, National Association | 220 South Second Street Clinton, MO 64735 | Full Service B&M | $24,330 |
| UMB Bank, National Association | 22320 W 66th Street Shawnee, KS 66226 | Full Service B&M | $46,022 |
| UMB Bank, National Association | 2300 North Glenstone Avenue Springfield, MO 65803 | Full Service B&M | $18,700 |
| UMB Bank, National Association | 2600 Network Blvd., Suite 190 Frisco, TX 75034 | Full Service B&M | $84,256 |
| UMB Bank, National Association | 2777 East Camelback Road Phoenix, AZ 85016 | Full Service B&M | $880,640 |
| UMB Bank, National Association | 290 East Cheyenne Mountain Boulevard Colorado Springs, CO 80915 | Full Service B&M | $65,021 |
| UMB Bank, National Association | 300 Dix Road Jefferson City, MO 65109 | Full Service B&M | $75,706 |
| UMB Bank, National Association | 300 Grant Street Carthage, MO 64836 | Full Service B&M | $30,426 |
| UMB Bank, National Association | 301 Nw State Route 7 Blue Springs, MO 64015 | Full Service B&M | $82,414 |
| UMB Bank, National Association | 320 Commercial Street Atchison, KS 66002 | Full Service B&M | $58,849 |
| UMB Bank, National Association | 324 South National Fort Scott, KS 66701 | Full Service B&M | $48,444 |
| UMB Bank, National Association | 329 Range Line Road Joplin, MO 64801 | Full Service B&M | $244,537 |
| UMB Bank, National Association | 3500 S. Oneida Way Denver, CO 80224 | Full Service B&M | $94,352 |
| UMB Bank, National Association | 3500 South Outer Road Blue Springs, MO 64015 | Full Service B&M | $83,227 |
| UMB Bank, National Association | 3535 Quebec Street Denver, CO 80207 | Full Service B&M | $49,208 |
| UMB Bank, National Association | 3601 Mitchell Saint Joseph, MO 64507 | Full Service B&M | $78,440 |
| UMB Bank, National Association | 400 North Broadway Abilene, KS 67410 | Full Service B&M | $45,378 |
| UMB Bank, National Association | 401 N.E. Rice Road Lees Summit, MO 64086 | Full Service B&M | $109,806 |
| UMB Bank, National Association | 4200 West 115th Street Leawood, KS 66211 | Full Service B&M | $0 |
| UMB Bank, National Association | 4228 North Central Expressway, Suite 30 Dallas, TX 75206 | Full Service B&M | $49,875 |
| UMB Bank, National Association | 426 North Kirkwood Road Kirkwood, MO 63122 | Full Service B&M | $85,753 |
| UMB Bank, National Association | 4900 Main Kansas City, MO 64112 | Full Service B&M | $271,032 |
| UMB Bank, National Association | 500 Broadway Monett, MO 65708 | Full Service B&M | $64,385 |
| UMB Bank, National Association | 502 Security Boulevard Colorado Springs, CO 80911 | Full Service B&M | $144,498 |
| UMB Bank, National Association | 507 Main Street Russell, KS 67665 | Full Service B&M | $60,839 |
| UMB Bank, National Association | 529 Humboldt Street Manhattan, KS 66502 | Full Service B&M | $56,972 |
| UMB Bank, National Association | 5923 Southwest 29th Street Topeka, KS 66614 | Full Service B&M | $345,564 |
| UMB Bank, National Association | 6059 Mid Rivers Mall Drive Cottleville, MO 63304 | Full Service B&M | $36,728 |
| UMB Bank, National Association | 6211 North Chestnut Gladstone, MO 64119 | Full Service B&M | $128,076 |
| UMB Bank, National Association | 6252 Raytown Road Raytown, MO 64133 | Full Service B&M | $100,323 |
| UMB Bank, National Association | 6400 Independence Avenue Kansas City, MO 64125 | Full Service B&M | $90,532 |
| UMB Bank, National Association | 6900 Mission Road Prairie Village, KS 66208 | Full Service B&M | $46,735 |
| UMB Bank, National Association | 6960 W. 135th Overland Park, KS 66223 | Full Service B&M | $94,163 |
| UMB Bank, National Association | 703 Colorado Boulevard Denver, CO 80206 | Full Service B&M | $29,172 |
| UMB Bank, National Association | 707 Gunstock Drive Warsaw, MO 65355 | Full Service B&M | $53,337 |
| UMB Bank, National Association | 7109 West 80th Street Overland Park, KS 66204 | Full Service B&M | $602,425 |
| UMB Bank, National Association | 7128 West 119th Street Overland Park, KS 66213 | Full Service B&M | $77,110 |
| UMB Bank, National Association | 730 Citadel Drive East Colorado Springs, CO 80932 | Full Service B&M | $82,753 |
| UMB Bank, National Association | 7655 West Thunderbird Road Peoria, AZ 85381 | Full Service B&M | $53,241 |
| UMB Bank, National Association | 7700 Forsyth Boulevard, Suite 120 Saint Louis, MO 63105 | Full Service B&M | $0 |
| UMB Bank, National Association | 777 Main Street Suite 100 Fort Worth, TX 76102 | Full Service B&M | $400,049 |
| UMB Bank, National Association | 8190 South University Boulevard Littleton, CO 80122 | Full Service B&M | $46,518 |
| UMB Bank, National Association | 827 Arnold Commons Drive, 827 Arnold Commons Arnold, MO 63010 | Full Service B&M | $92,261 |
| UMB Bank, National Association | 8300 N.W. Prairie View Road Kansas City, MO 64151 | Full Service B&M | $125,929 |
| UMB Bank, National Association | 8300 Parallel Parkway Kansas City, KS 66112 | Full Service B&M | $62,349 |
| UMB Bank, National Association | 8442 Wornall Kansas City, MO 64114 | Full Service B&M | $79,645 |
| UMB Bank, National Association | 845 North Gilbert Road Gilbert, AZ 85234 | Full Service B&M | $26,298 |
| UMB Bank, National Association | 9 Brentwood Promenade Court Brentwood, MO 63144 | Full Service B&M | $40,210 |
| UMB Bank, National Association | 101 North Holden Street Warrensburg, MO 64093 | Full Service B&M | $112,892 |
| UMB Bank, National Association | 1010 Grand Boulevard Kansas City, MO 64106 | Full Service B&M | $17,828,035 |
| UMB Bank, National Association | 1013 W University Drive Denton, TX 76201 | Full Service B&M | $39,152 |
| UMB Bank, National Association | 1041 South Woods Mill Road Town And Country, MO 63017 | Full Service B&M | $65,224 |
| UMB Bank, National Association | 111 West Benton Street Windsor, MO 65360 | Full Service B&M | $11,900 |
| UMB Bank, National Association | 11101 W 87th Street Overland Park, KS 66214 | Full Service B&M | $72,402 |
| UMB Bank, National Association | 1150 East Battlefield Road Springfield, MO 65807 | Full Service B&M | $191,751 |
| UMB Bank, National Association | 1150 East Battlefield Street Springfield, MO 65807 | Full Service B&M | $28,815 |
| UMB Bank, National Association | 117 West Brooks Street Brookfield, MO 64628 | Full Service B&M | $74,358 |
| UMB Bank, National Association | 1201 Regency Parkway St. Charles, MO 63303 | Full Service B&M | $78,220 |
| UMB Bank, National Association | 12050 Dorsett Road Maryland Heights, MO 63043 | Full Service B&M | $33,638 |
| UMB Bank, National Association | 909 North 6th Street Kansas City, KS 66101 | Full Service B&M | $49,108 |
| UMB Bank, National Association | 924 Main Street Boonville, MO 65233 | Full Service B&M | $51,421 |
| UMB Bank, National Association | 9957 Winghaven Blvd O Fallon, MO 63368 | Full Service B&M | $34,256 |
For 2021, Umb Bank had 95 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $860,320 |
| Net interest income | $826,648 |
| Total noninterest income | $352,310 |
| Gross Fiduciary activities income | $118,131 |
| Service charges on deposit accounts | $86,895 |
| Trading account gains and fees | $20,003 |
| Additional Noninterest Income | $127,281 |
| Pre-tax net operating income | $429,615 |
| Securities gains (or losses, -) | $-7,878 |
| Income before extraordinary items | $343,084 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $343,084 |
| Minority interest net income | $0 |
| Net income | $343,084 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $349,465 |
Umb Bank's gross interest income from loans was $860,320,000.
Umb Bank's net interest income from loans was $826,648,000.
Umb Bank's fee based income from loans was $86,895,000.
Umb Bank's net income from loans was $343,084,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $33,672 |
| Provision for credit losses | $20,000 |
| Total noninterest expense | $729,343 |
| Salaries and employee benefits | $384,469 |
| Premises and equipment expense | $67,926 |
| Additional noninterest expense | $276,948 |
| Applicable income taxes | $78,653 |
| Net charge-offs | $44,872 |
| Cash dividends | $80,000 |
Umb Bank's interest expense for loans was $33,672,000.
Umb Bank's payroll and benefits expense were $384,469,000.
Umb Bank's property, plant and equipment expenses $67,926,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.8% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $35,809,744 |
| Deposits held in domestic offices | $35,809,744 |
| Deposits by Individuals, partnerships, and corporations | $32,687,958 |
| Deposits by U.S. Government | $4,073 |
| Deposits by States and political subdivisions in the U.S. | $2,656,120 |
| Deposits by Commercial banks and other depository institutions in U.S. | $461,591 |
| Deposits by Banks in foreign countries | $1 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $10,971,730 |
| Demand deposits | $10,260,398 |
| Nontransaction accounts | $24,838,013 |
| Money market deposit accounts (MMDAs) | $5,916,460 |
| Other savings deposits (excluding MMDAs) | $18,069,912 |
| Total time deposits | $851,641 |
| Total time and savings deposits | $25,549,345 |
| Noninterest-bearing deposits | $16,552,459 |
| Interest-bearing deposits | $19,257,285 |
| Retail deposits | $35,366,188 |
| IRAs and Keogh plan accounts | $107,899 |
| Brokered deposits | $75 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $42,392,285 |
| Cash & Balances due from depository institutions | $9,225,115 |
| Interest-bearing balances | $8,811,903 |
| Total securities | $13,478,357 |
| Federal funds sold & reverse repurchase | $1,215,666 |
| Net loans and leases | $16,977,349 |
| Loan and leases loss allowance | $194,771 |
| Trading account assets | $27,935 |
| Bank premises and fixed assets | $214,844 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $148,154 |
| All other assets | $1,104,865 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $42,392,285 |
| Total Liabilities | $39,422,058 |
| Total deposits | $35,809,744 |
| Interest-bearing deposits | $19,257,285 |
| Deposits held in domestic offices | $35,809,744 |
| % insured (estimated) | $26 |
| Federal funds purchased and repurchase agreements | $3,238,435 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $373,879 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $16,977,349 |
| Loan and leases loss allowance | $194,771 |
| Total loans and leases (domestic) | $17,172,120 |
| All real estate loans | $8,618,503 |
| Real estate loans in domestic offices | $8,618,503 |
| Construction and development loans | $809,249 |
| Residential 1-4 family construction | $76,256 |
| Other construction, all land development and other land | $732,993 |
| Loans secured by nonfarm nonresidential properties | $4,786,831 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,880,651 |
| Commercial real estate & other non-farm, non-residential | $2,906,180 |
| Multifamily residential real estate | $205,310 |
| 1-4 family residential loans | $2,336,844 |
| Farmland loans | $480,269 |
| Loans held in foreign offices | $0 |
| Farm loans | $154,343 |
| Commercial and industrial loans | $7,760,723 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $309,196 |
| Credit card loans | $181,526 |
| Related Plans | $62,146 |
| Consumer Auto Loans | $24,929 |
| Other loans to individuals | $40,595 |
| All other loans & leases | $329,355 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $265,200 |
| Loans to depository institutions and acceptances of other banks | $1,541 |
| Loans not secured by real estate | $553,733 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $189 |
| Non 1-4 family restructured loans & leases | $189 |
| Total loans and leases (foreign) | $0 |
UMB Bank had $16,977,349,000 of loans outstanding in 2021. $8,618,503,000 of loans were in real estate loans. $809,249,000 of loans were in development loans. $205,310,000 of loans were in multifamily mortgage loans. $2,336,844,000 of loans were in 1-4 family mortgage loans. $154,343,000 of loans were in farm loans. $181,526,000 of loans were in credit card loans. $24,929,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,009 | $339,288 | $336,262 |
| Nonfarm, nonresidential loans - <$100k | 71 | $2,782 | $39,183 |
| Nonfarm, nonresidential loans - $100-250k | 204 | $21,538 | $105,578 |
| Nonfarm, nonresidential loans - $250k-1MM | 734 | $314,968 | $429,112 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,854 | $368,242 | $129,027 |
| Commercial & Industrial, US addressed loans - <$100k | 1,231 | $36,908 | $29,982 |
| Commercial & Industrial, US addressed loans - $100-250k | 502 | $40,912 | $81,498 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,121 | $290,422 | $259,074 |
| Farmland loans - <$1MM | 293 | $37,314 | $127,352 |
| Farmland loans - <$100k | 82 | $2,447 | $29,841 |
| Farmland loans - $100-250k | 113 | $10,994 | $97,292 |
| Farmland loans - $250k-1MM | 98 | $23,873 | $243,602 |
| Agriculture operations loans - <$1MM | 217 | $18,970 | $87,419 |
| Agriculture operations loans - <$100k | 80 | $2,482 | $31,025 |
| Agriculture operations loans - $100-250k | 92 | $7,959 | $86,511 |
| Agriculture operations loans - $250k-1MM | 45 | $8,529 | $189,533 |
