Umb Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: VNOO6EITDJ2YUEBMSZ83

Tax ID: 44-0194180

5 stars - out of 5 stars, based on 56 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

3,160

Origination Dollar Volume (All Markets)

$1,710,460,000

Employee count

2,800 Show all (18) awards

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 applications
80.67%

Umb Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
83.52%

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