Umb Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: VNOO6EITDJ2YUEBMSZ83

Tax ID: 44-0194180

5 stars - Updated: 4/14/24 - out of 5 stars, based on 48 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Umb Bank is a small bank specializing in 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 by origination volume include: Denver, Phoenix, Kansas City, St. Louis, and Dallas among others. We have data for 102 markets. (Some data included below & more in-depth data is available with an active subscription.)

Umb Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Umb Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.08% 4/14/24
30 Year Conventional Purchase 5.98% 4/14/24
30 Year Conventional Refi 6.03% 4/14/24
30 Year Cash-out Refi 6.54% 4/14/24
30 Year FHA Purchase 7.43% 4/14/24
30 Year VA Purchase 6.66% 4/14/24
30 Year VA Refi 6.27% 4/14/24
30 Year USDA Purchase 6.75% 4/14/24
15 Year Conventional Purchase 5.60% 4/14/24
15 Year Conventional Refi 5.98% 4/14/24
15 Year Cash-out Refi 5.98% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Umb Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Umb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,311

Origination Dollar Volume (All Markets)

$1,028,895,000
Show all (14) awards

Relative Rate

Umb Bank's average 30 year fixed mortgage rate was 6.33%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.15%.

Relative Fees (Closing Costs)

Umb Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,628.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 294 $247,230,000 $840,918 $3,923 6.24%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 272 $227,530,000 $836,507 $4,495 6.52%
KANSAS CITY, MO-KS (FHA|USDA|VA) 922 $191,000,000 $207,158 $1,789 6.56%
ST. LOUIS, MO-IL (FHA|USDA|VA) 182 $57,430,000 $315,549 $2,489 6.62%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 84 $40,250,000 $479,167 $6,454 6.17%
PROVO-OREM, UT (FHA|USDA|VA) 2 $39,950,000 $19,975,000 $0 7.76%
Outside of Metro Areas 116 $36,190,000 $311,983 $2,273 6.49%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $35,005,000 $35,005,000 $0 7.85%
SPRINGFIELD, MO (FHA|USDA|VA) 36 $13,120,000 $364,444 $2,970 6.33%
BOULDER, CO (FHA|USDA|VA) 16 $9,760,000 $610,000 $2,471 6.10%
Glenwood Springs, CO (FHA|USDA|VA) 7 $8,915,000 $1,273,571 $2,043 5.97%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $7,205,000 $7,205,000 $8,113 3.87%
COLORADO SPRINGS, CO (FHA|USDA|VA) 42 $6,210,000 $147,857 $692 6.16%
Breckenridge, CO (FHA|USDA|VA) 4 $4,970,000 $1,242,500 $5,785 5.69%
Heber, UT (FHA|USDA|VA) 1 $4,925,000 $4,925,000 $8,359 7.14%
OKLAHOMA CITY, OK (FHA|USDA|VA) 34 $4,560,000 $134,118 $2,255 6.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $4,170,000 $2,085,000 $5,738 6.83%
COLUMBIA, MO (FHA|USDA|VA) 17 $4,045,000 $237,941 $1,578 6.79%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $3,595,000 $1,198,333 $9,486 6.42%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $3,525,000 $705,000 $7,413 6.62%
GREELEY, CO (FHA|USDA|VA) 9 $3,375,000 $375,000 $9,611 6.44%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $3,260,000 $407,500 $2,773 5.34%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,985,000 $426,429 $3,693 6.44%
WICHITA, KS (FHA|USDA|VA) 15 $2,965,000 $197,667 $2,839 6.57%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $2,750,000 $687,500 $3,052 6.93%
TUCSON, AZ (FHA|USDA|VA) 5 $2,725,000 $545,000 $3,767 7.04%
FORT COLLINS, CO (FHA|USDA|VA) 5 $2,655,000 $531,000 $5,689 6.22%
TOPEKA, KS (FHA|USDA|VA) 21 $2,605,000 $124,048 $1,261 6.68%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $2,565,000 $2,565,000 $9,274 5.55%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $2,535,000 $845,000 $3,676 5.26%
TULSA, OK (FHA|USDA|VA) 15 $2,455,000 $163,667 $2,616 6.56%
Edwards, CO (FHA|USDA|VA) 3 $2,405,000 $801,667 $2,526 7.11%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 31 $2,325,000 $75,000 $1,027 6.95%
LAWRENCE, KS (FHA|USDA|VA) 11 $2,165,000 $196,818 $1,534 6.33%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $2,120,000 $1,060,000 $6,600 5.77%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $2,105,000 $2,105,000 $11,593 7.34%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,940,000 $970,000 $6,113 6.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,535,000 $511,667 $4,729 7.08%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,515,000 $505,000 $6,164 6.71%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $1,460,000 $730,000 $8,663 6.52%
Garden City, KS (FHA|USDA|VA) 6 $1,370,000 $228,333 $6,516 6.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,360,000 $680,000 $4,680 7.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $1,230,000 $615,000 $2,883 6.82%
Warrensburg, MO (FHA|USDA|VA) 11 $1,175,000 $106,818 $2,539 6.21%
Hannibal, MO (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $0 8.00%
RICHMOND, VA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $5,007 5.59%
JOPLIN, MO (FHA|USDA|VA) 11 $1,095,000 $99,545 $1,920 6.41%
Cañon City, CO (FHA|USDA|VA) 2 $1,040,000 $520,000 $2,117 5.97%
Steamboat Springs, CO (FHA|USDA|VA) 1 $985,000 $985,000 $2,055 6.89%
Show Low, AZ (FHA|USDA|VA) 3 $985,000 $328,333 $0 6.83%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $960,000 $480,000 $7,011 6.73%
Salina, KS (FHA|USDA|VA) 7 $925,000 $132,143 $2,183 5.85%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $920,000 $460,000 $6,477 6.76%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $855,000 $855,000 $2,104 5.69%
Corsicana, TX (FHA|USDA|VA) 1 $805,000 $805,000 $6,403 5.92%
Dodge City, KS (FHA|USDA|VA) 3 $725,000 $241,667 $6,112 6.37%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $705,000 $705,000 $0 6.36%
MANHATTAN, KS (FHA|USDA|VA) 3 $705,000 $235,000 $1,486 6.01%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $705,000 $705,000 $6,137 6.89%
Port Angeles, WA (FHA|USDA|VA) 2 $630,000 $315,000 $2,506 6.92%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $625,000 $625,000 $3,207 7.09%
RENO, NV (FHA|USDA|VA) 1 $585,000 $585,000 $0 7.75%
SANTA FE, NM (FHA|USDA|VA) 1 $575,000 $575,000 $4,591 6.89%
Moberly, MO (FHA|USDA|VA) 1 $565,000 $565,000 $2,209 5.89%
Oxford, MS (FHA|USDA|VA) 1 $555,000 $555,000 $6,795 6.49%
Sedalia, MO (FHA|USDA|VA) 5 $555,000 $111,000 $940 6.41%
Hailey, ID (FHA|USDA|VA) 1 $525,000 $525,000 $0 8.25%
BOISE CITY, ID (FHA|USDA|VA) 1 $455,000 $455,000 $3,752 6.94%
JEFFERSON CITY, MO (FHA|USDA|VA) 4 $450,000 $112,500 $7,033 6.31%
Pittsburg, KS (FHA|USDA|VA) 4 $440,000 $110,000 $7,550 6.80%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $425,000 $425,000 $3,666 5.84%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $415,000 $415,000 $0 7.97%
Durango, CO (FHA|USDA|VA) 2 $410,000 $205,000 $0 5.99%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $360,000 $180,000 $0 6.50%
AMES, IA (FHA|USDA|VA) 1 $345,000 $345,000 $2,146 5.79%
Sheridan, WY (FHA|USDA|VA) 1 $325,000 $325,000 $1,915 7.24%
Shawnee, OK (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.99%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $255,000 $255,000 $2,508 6.59%
BILLINGS, MT (FHA|USDA|VA) 1 $255,000 $255,000 $2,808 7.74%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,119 7.19%
Maryville, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,852 6.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.99%
Payson, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.99%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,892 6.19%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.38%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,811 7.50%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,800 5.59%
BATON ROUGE, LA (FHA|USDA|VA) 1 $145,000 $145,000 $3,976 6.88%
LONGVIEW, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.99%
Atchison, KS (FHA|USDA|VA) 3 $125,000 $41,667 $852 6.90%
Parsons, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,790 6.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Bartlesville, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.99%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $50 6.74%
Traverse City, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.00%
WILMINGTON, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.88%
Woodward, OK (FHA|USDA|VA) 1 $55,000 $55,000 $100 8.64%
West Plains, MO (FHA|USDA|VA) 1 $35,000 $35,000 $200 9.14%
Mexico, MO (FHA|USDA|VA) 1 $35,000 $35,000 $100 7.70%
Umb Bank's top markets include Denver, Phoenix, Kansas City, St. Louis, and Dallas among others.

Their top states include:
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,214 $806,960,000 $664,712 $2,423 6.79%
    HELOC 1,009 $198,795,000 $197,022 n/a 6.11%
    FHA 67 $18,045,000 $269,328 $9,179 6.57%
    VA 15 $3,965,000 $264,333 $5,413 6.42%
    USDA 6 $1,130,000 $188,333 $4,869 6.08%

    For 2023, Umb Bank's most frequently originated type of loan was Conventional, with 1,214 originations. Their 2nd most popular type was HELOC, with 1,009 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,016 $777,290,000 $765,049 $3,622 6.60%
    Home Improvement 542 $63,580,000 $117,306 $127 6.33%
    Refi 430 $124,370,000 $289,233 $469 6.26%
    Other 307 $59,235,000 $192,948 $644 6.64%
    Cash Out Refi 16 $4,420,000 $276,250 $4,026 6.90%

    For 2023, Umb Bank's most frequently cited loan purpose was Home Purchase, with 1,016 originations. The 2nd most popular reason was Home Improvement, with 542 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,987 $648,585,000 $326,414 $3,628 6.33%
    20 Year 90 $21,470,000 $238,556 $117 7.68%
    10 Year 81 $7,745,000 $95,617 $62 7.26%
    5 Year 69 $290,015,000 $4,203,116 $50 7.28%
    15 Year 59 $6,565,000 $111,271 $538 7.26%
    Other 17 $1,955,000 $115,000 $73 7.52%
    3 Year 8 $52,560,000 $6,570,000 $50 7.70%

    For 2023, Umb Bank's most frequently cited loan duration was 30 Year, with 1,987 originations. The 2nd most popular length was 20 Year, with 90 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 936 $343,300,000 $366,774
    $1k-2k 215 $92,095,000 $428,349
    $2k-3k 29 $7,555,000 $260,517
    $5k+ 19 $7,995,000 $420,789
    $3k-4k 17 $4,745,000 $279,118
    $4k-5k 14 $5,530,000 $395,000

    Umb Bank's average total fees were $3,628, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 936 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 873 $226,625,000 $259,593
    6-7% 661 $307,195,000 $464,743
    7-8% 574 $336,940,000 $587,003
    3-4% 117 $47,265,000 $403,974
    Over 8% 79 $105,675,000 $1,337,658
    4-5% 5 $2,465,000 $493,000
    2.5-3% 2 $2,730,000 $1,365,000

    During 2023, Umb Bank's average interest rate for loans was 6.33%, while their most frequently originated rate bucket for loans was 5-6%, with 873 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 641 $30,645,000 $47,808 $246 6.48%
    $100k-200k 608 $86,140,000 $141,678 $1,983 6.47%
    $200k-400k 602 $167,390,000 $278,056 $3,409 6.53%
    $400k-600k 198 $94,810,000 $478,838 $4,619 6.45%
    $600k-1MM 143 $107,325,000 $750,524 $4,631 6.49%
    $1MM+ 119 $542,585,000 $4,559,538 $5,999 6.31%

    2023 saw Umb Bank place emphasis on $100,000 or less loans with 641 originations, totaling $30,645,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 516 $353,940,000 $685,930 $4,276 6.46%
    $50k-75k 426 $65,930,000 $154,765 $2,233 6.57%
    $150k-250k 387 $87,595,000 $226,344 $3,408 6.34%
    $100k-150k 344 $57,950,000 $168,459 $2,931 6.46%
    $75k-100k 308 $59,050,000 $191,721 $2,870 6.46%
    $50k or less 216 $21,590,000 $99,954 $1,523 6.49%

    Umb Bank lent most frequently to those with incomes in the $250k+ range, with 516 originations. The second most popular income band? $50k-75k, with 426 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 438 $130,620,000 $298,219 $2,377 6.44%
    30-36% 385 $100,445,000 $260,896 $2,632 6.39%
    <20% 262 $95,550,000 $364,695 $2,505 6.35%
    44% 181 $41,755,000 $230,691 $2,436 6.64%
    43% 120 $28,030,000 $233,583 $2,609 6.41%
    40% 111 $34,495,000 $310,766 $2,740 6.56%
    42% 110 $28,990,000 $263,545 $2,144 6.57%
    41% 95 $22,215,000 $233,842 $2,693 6.60%
    39% 94 $22,230,000 $236,489 $2,462 6.45%
    38% 90 $26,540,000 $294,889 $2,830 6.69%
    45% 83 $22,005,000 $265,120 $2,643 6.40%
    37% 78 $22,010,000 $282,179 $2,503 6.34%
    36% 77 $19,455,000 $252,662 $3,425 6.47%
    50-60% 50 $20,730,000 $414,600 $7,195 6.58%
    47% 21 $7,575,000 $360,714 $6,076 6.67%
    49% 20 $6,490,000 $324,500 $6,724 6.63%
    46% 18 $7,770,000 $431,667 $4,791 5.93%
    48% 17 $8,895,000 $523,235 $4,322 6.41%
    >60% 11 $16,525,000 $1,502,273 $4,498 6.40%

    Umb Bank lent most frequently to those with DTI ratios of 20-30%, with 438 originations. The next most common DTI ratio? 30-36%, with 385 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,728 $511,990,000 $296,291 $2,752 6.48%
    Not applicable 48 $366,410,000 $7,633,542 $0 7.23%
    Not provided 325 $94,795,000 $291,677 $2,853 6.30%
    Asian 59 $26,055,000 $441,610 $4,172 6.55%
    Black 122 $23,910,000 $195,984 $3,151 6.67%
    American Indian 25 $5,035,000 $201,400 $2,498 6.57%
    Native Hawaiian or Islander 4 $700,000 $175,000 $2,637 6.12%

    Approval Rates

    Total approvals of all applications
    76.04%

    Umb Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.60%

    Umb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,311 $1,028,895,000 $445,216

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,311 $1,028,895,000 $445,216

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 428 $118,160,000 $276,075 $946 6.34%
    40-60% 211 $362,935,000 $1,720,071 $2,168 6.31%
    60-80% 248 $199,290,000 $803,589 $3,833 6.35%
    80-100% 759 $291,575,000 $384,157 $3,554 6.65%
    Over 100% 1 $615,000 $615,000 $24,912 5.75%
    Under 20% 664 $56,320,000 $84,819 $114 6.48%