Umb Bank Mortgage Rates, Fees & Info
Kansas City, MOLEI: VNOO6EITDJ2YUEBMSZ83
Tax ID: 44-0194180
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Mortgage Data
Bank Data
Review & 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 by origination volume include: Kansas City, Denver, Phoenix, St. Louis, and Springfield among others. We have data for 149 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.08% | 4/18/24 |
| 30 Year Conventional Purchase | 5.98% | 4/18/24 |
| 30 Year Conventional Refi | 6.03% | 4/18/24 |
| 30 Year Cash-out Refi | 6.54% | 4/18/24 |
| 30 Year FHA Purchase | 7.43% | 4/18/24 |
| 30 Year VA Purchase | 6.66% | 4/18/24 |
| 30 Year VA Refi | 6.27% | 4/18/24 |
| 30 Year USDA Purchase | 6.75% | 4/18/24 |
| 15 Year Conventional Purchase | 5.60% | 4/18/24 |
| 15 Year Conventional Refi | 5.98% | 4/18/24 |
| 15 Year Cash-out Refi | 5.98% | 4/18/24 |
| 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
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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
3,648Origination Dollar Volume (All Markets)
$1,432,280,000Employee count
2,819Awards
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UMB Bank - 2020
UMB Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1,123 | $300,165,000 | $267,289 | $1,819 | 3.22% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 686 | $298,670,000 | $435,379 | $2,477 | 3.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 266 | $151,160,000 | $568,271 | $3,310 | 3.15% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 394 | $120,020,000 | $304,619 | $2,005 | 3.19% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 69 | $64,615,000 | $936,449 | $2,135 | 3.12% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 118 | $60,780,000 | $515,085 | $4,766 | 3.16% |
| Outside of Metro Areas | 150 | $34,370,000 | $229,133 | $1,808 | 3.22% |
| BOULDER, CO (FHA|USDA|VA) | 68 | $33,220,000 | $488,529 | $2,397 | 3.18% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $28,640,000 | $4,773,333 | $2,706 | 2.84% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 92 | $24,670,000 | $268,152 | $1,888 | 3.18% |
| Breckenridge, CO (FHA|USDA|VA) | 15 | $23,635,000 | $1,575,667 | $2,859 | 3.26% |
| COLUMBIA, MO (FHA|USDA|VA) | 49 | $21,575,000 | $440,306 | $1,582 | 3.12% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $19,010,000 | $9,505,000 | $7,121 | 2.86% |
| Edwards, CO (FHA|USDA|VA) | 16 | $18,790,000 | $1,174,375 | $2,666 | 3.07% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 40 | $16,960,000 | $424,000 | $2,461 | 3.07% |
| WICHITA, KS (FHA|USDA|VA) | 46 | $13,890,000 | $301,957 | $1,522 | 3.21% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $12,490,000 | $1,561,250 | $8,918 | 3.09% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 45 | $10,205,000 | $226,778 | $1,973 | 3.23% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 13 | $8,565,000 | $658,846 | $4,086 | 3.21% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $7,460,000 | $1,243,333 | $2,904 | 2.92% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 40 | $6,220,000 | $155,500 | $716 | 3.53% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $6,150,000 | $768,750 | $4,844 | 2.96% |
| Glenwood Springs, CO (FHA|USDA|VA) | 7 | $5,975,000 | $853,571 | $2,444 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $5,925,000 | $1,185,000 | $7,555 | 3.03% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $5,870,000 | $978,333 | $3,983 | 3.15% |
| LAWRENCE, KS (FHA|USDA|VA) | 16 | $5,800,000 | $362,500 | $2,729 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 20 | $5,500,000 | $275,000 | $1,842 | 3.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $5,400,000 | $1,350,000 | $9,165 | 2.85% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $5,210,000 | $2,605,000 | $12,992 | 3.00% |
| Durango, CO (FHA|USDA|VA) | 5 | $4,335,000 | $867,000 | $3,518 | 3.26% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $4,300,000 | $2,150,000 | $7,454 | 2.99% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $4,130,000 | $1,032,500 | $4,735 | 2.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $3,835,000 | $426,111 | $2,696 | 2.85% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $3,695,000 | $527,857 | $2,325 | 3.28% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $3,605,000 | $1,201,667 | $2,735 | 2.95% |
| JOPLIN, MO (FHA|USDA|VA) | 17 | $3,355,000 | $197,353 | $1,901 | 3.44% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $3,330,000 | $416,250 | $5,616 | 3.07% |
| TULSA, OK (FHA|USDA|VA) | 20 | $2,880,000 | $144,000 | $962 | 3.52% |
| TOPEKA, KS (FHA|USDA|VA) | 10 | $2,820,000 | $282,000 | $1,320 | 3.04% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $2,645,000 | $2,645,000 | $5,628 | 3.01% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $4,271 | 3.04% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $2,385,000 | $795,000 | $2,323 | 3.27% |
| Salina, KS (FHA|USDA|VA) | 21 | $2,275,000 | $108,333 | $347 | 3.28% |
| RENO, NV (FHA|USDA|VA) | 4 | $2,200,000 | $550,000 | $3,020 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $2,921 | 3.22% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 16 | $1,980,000 | $123,750 | $1,513 | 3.15% |
| Warrensburg, MO (FHA|USDA|VA) | 18 | $1,940,000 | $107,778 | $1,417 | 3.46% |
| Hailey, ID (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $6,319 | 3.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $3,065 | 3.29% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,785,000 | $595,000 | $2,782 | 3.39% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $5,776 | 3.29% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $5,495 | 2.74% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $5,135 | 2.99% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $1,911 | 3.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $1,558 | 3.25% |
| Show Low, AZ (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $3,757 | 2.80% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $3,773 | 2.88% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $5,499 | 3.10% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $2,314 | 3.19% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $2,864 | 3.54% |
| MANHATTAN, KS (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $2,160 | 2.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $7,636 | 3.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $1,883 | 3.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 2.99% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,060 | 2.93% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $0 | 2.99% |
| Montrose, CO (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $2,154 | 3.39% |
| Outside of Metro Areas | 1 | $875,000 | $875,000 | $3,749 | 2.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $5,853 | 3.10% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $5,046 | 2.55% |
| Heber, UT (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $2,379 | 2.55% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,104 | 3.05% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,015 | 2.81% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,284 | 2.59% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $1,518 | 3.10% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,091 | 3.25% |
| Elk City, OK (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $1,059 | 2.80% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $13,517 | 3.50% |
| Granbury, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,494 | 2.65% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,328 | 2.70% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,879 | 2.77% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $1,854 | 4.00% |
| Atchison, KS (FHA|USDA|VA) | 7 | $565,000 | $80,714 | $721 | 3.76% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $1,994 | 2.55% |
| NAPA, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,944 | 3.20% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,018 | 3.01% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,914 | 2.68% |
| Hays, KS (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $704 | 3.43% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,313 | 3.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,869 | 3.78% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,908 | 2.84% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,525 | 3.13% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,019 | 2.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,195 | 2.97% |
| Athens, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,899 | 2.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 2.99% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,589 | 3.33% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,864 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,865 | 3.26% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,442 | 3.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,411 | 2.70% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,619 | 3.10% |
| REDDING, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,439 | 3.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,760 | 3.38% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,023 | 3.02% |
| Branson, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,703 | 3.31% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,712 | 2.86% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,801 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,599 | 3.31% |
| TYLER, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.05% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,171 | 3.10% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,431 | 2.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,673 | 2.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,901 | 2.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,210 | 3.10% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,475 | 2.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,575 | 3.20% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,374 | 2.66% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,260 | 3.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,484 | 3.10% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,272 | 2.25% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,514 | 3.10% |
| Safford, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,697 | 3.33% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,192 | 3.00% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,483 | 2.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,851 | 3.47% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,297 | 2.55% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,860 | 3.10% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 2.99% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,379 | 2.55% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,861 | 3.10% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.49% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.50% |
| McPherson, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.88% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,500 | 3.25% |
| Farmington, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $875 | 3.25% |
| Pittsburg, KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,808 | 3.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,889 | 3.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,679 | 3.17% |
| Pella, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $664 | 2.55% |
| Marshall, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.99% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,414 | 2.63% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,935 | 3.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.80% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.54% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $50 | 3.85% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 3.79% |
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Product Mix
For 2020, Umb Bank's most frequently originated type of loan was Conventional, with 2,196 originations. Their 2nd most popular type was HELOC, with 1,409 originations.
Loan Reason
For 2020, Umb Bank's most frequently cited loan purpose was Refi, with 1,747 originations. The 2nd most popular reason was Home Purchase, with 749 originations.
Loan Duration/Length
For 2020, Umb Bank's most frequently cited loan duration was 30 Year, with 2,474 originations. The 2nd most popular length was 15 Year, with 497 originations.
Origination Fees/Closing Costs
Umb Bank's average total fees were $3,081, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,992 originations.
Interest Rates
During 2020, Umb Bank's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,937 originations.
Loan Sizing
2020 saw Umb Bank place emphasis on $100,000 or less loans with 893 originations, totaling $44,985,000 in origination value.
Applicant Income
Umb Bank lent most frequently to those with incomes in the $250k+ range, with 1,328 originations. The second most popular income band? $150k-250k, with 704 originations.
Applicant Debt to Income Ratio
Umb Bank lent most frequently to those with DTI ratios of 20-30%, with 1,077 originations. The next most common DTI ratio? <20%, with 894 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.16%
Umb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination80.07%
Umb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,648 | $1,432,280,000 | $392,621 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| UMB Bank, National Association | 1 Church Street Ferguson, MO 63135 | Full Service B&M | $86,121 |
| UMB Bank, National Association | 1 Victory Drive Liberty, MO 64068 | Full Service B&M | $111,865 |
| UMB Bank, National Association | 100 South Santa Fe Avenue Salina, KS 67401 | Full Service B&M | $110,021 |
| UMB Bank, National Association | 101 North Cascade Avenue Colorado Springs, CO 80903 | Full Service B&M | $150,698 |
| UMB Bank, National Association | 101 North High Street Belleville, IL 62220 | Full Service B&M | $60,206 |
| UMB Bank, National Association | 101 North Holden Street Warrensburg, MO 64093 | Full Service B&M | $106,916 |
| UMB Bank, National Association | 1010 Grand Boulevard Kansas City, MO 64106 | Full Service B&M | $14,079,592 |
| UMB Bank, National Association | 1013 W University Drive Denton, TX 76201 | Full Service B&M | $40,888 |
| UMB Bank, National Association | 1041 South Woods Mill Road Town And Country, MO 63017 | Full Service B&M | $51,765 |
| UMB Bank, National Association | 111 West Benton Street Windsor, MO 65360 | Full Service B&M | $11,490 |
| UMB Bank, National Association | 11101 W 87th Street Overland Park, KS 66214 | Full Service B&M | $62,056 |
| UMB Bank, National Association | 1150 East Battlefield Road Springfield, MO 65807 | Full Service B&M | $182,155 |
| UMB Bank, National Association | 1150 East Battlefield Street Springfield, MO 65807 | Full Service B&M | $30,753 |
| UMB Bank, National Association | 117 West Brooks Street Brookfield, MO 64628 | Full Service B&M | $74,172 |
| UMB Bank, National Association | 1201 Regency Parkway St. Charles, MO 63303 | Full Service B&M | $64,770 |
| UMB Bank, National Association | 12050 Dorsett Road Maryland Heights, MO 63043 | Full Service B&M | $33,359 |
| UMB Bank, National Association | 1211 N. Belt Highway Saint Joseph, MO 64506 | Full Service B&M | $91,204 |
| UMB Bank, National Association | 12210 S 71 Highway Grandview, MO 64030 | Full Service B&M | $106,146 |
| UMB Bank, National Association | 130 North Market Street Wichita, KS 67202 | Full Service B&M | $153,507 |
| UMB Bank, National Association | 1310 Carondelet Drive Kansas City, MO 64114 | Full Service B&M | $208,441 |
| UMB Bank, National Association | 13404 North La Montana Drive Fountain Hills, AZ 85268 | Full Service B&M | $50,990 |
| UMB Bank, National Association | 13813 East 39th Street Independence, MO 64055 | Full Service B&M | $55,137 |
| UMB Bank, National Association | 1400 Wewatta St Denver, CO 80202 | Full Service B&M | $26,175 |
| UMB Bank, National Association | 1437 South Boulder Tulsa, OK 74119 | Full Service B&M | $64,692 |
| UMB Bank, National Association | 1441 Wakarusa Drive Lawrence, KS 66049 | Full Service B&M | $31,572 |
| UMB Bank, National Association | 14801 W 151st Street Olathe, KS 66062 | Full Service B&M | $61,328 |
| UMB Bank, National Association | 1516 Chapel Hill Columbia, MO 65203 | Full Service B&M | $60,873 |
| UMB Bank, National Association | 15400 Clayton Road Ballwin, MO 63011 | Full Service B&M | $39,772 |
| UMB Bank, National Association | 16210 N Scottsdale Rd Scottsdale, AZ 85254 | Full Service B&M | $97,548 |
| UMB Bank, National Association | 1635 East Colfax Avenue Denver, CO 80218 | Full Service B&M | $183,747 |
| UMB Bank, National Association | 1670 Broadway Denver, CO 80202 | Full Service B&M | $1,263,918 |
| UMB Bank, National Association | 1675 North 95th Lane Phoenix, AZ 85040 | Full Service B&M | $167,661 |
| UMB Bank, National Association | 16900 Gudgell Road Independence, MO 64057 | Full Service B&M | $54,602 |
| UMB Bank, National Association | 16929 Burke Street Omaha, NE 68118 | Full Service B&M | $101,751 |
| UMB Bank, National Association | 1800 Grand Avenue Kansas City, MO 64108 | Full Service B&M | $91,970 |
| UMB Bank, National Association | 18261 W 119th Street Olathe, KS 66061 | Full Service B&M | $37,741 |
| UMB Bank, National Association | 18909 East 48th Street Independence, MO 64055 | Full Service B&M | $9,941 |
| UMB Bank, National Association | 2 South Broadway St. Louis, MO 63102 | Full Service B&M | $1,134,686 |
| UMB Bank, National Association | 200 State Rt C. Highway Peculiar, MO 64078 | Full Service B&M | $83,850 |
| UMB Bank, National Association | 2001 West Wickenburg Way, Suite 2 Wickenburg, AZ 85390 | Full Service B&M | $65,295 |
| UMB Bank, National Association | 201 East Main Street Collinsville, IL 62234 | Full Service B&M | $94,483 |
| UMB Bank, National Association | 204 North Robinson Avenue Oklahoma City, OK 73108 | Full Service B&M | $114,565 |
| UMB Bank, National Association | 2079 Penn Sq Oklahoma City, OK 73118 | Full Service B&M | $71,438 |
| UMB Bank, National Association | 220 South Second Street Clinton, MO 64735 | Full Service B&M | $22,349 |
| UMB Bank, National Association | 22320 W 66th Street Shawnee, KS 66226 | Full Service B&M | $41,377 |
| UMB Bank, National Association | 2300 North Glenstone Avenue Springfield, MO 65803 | Full Service B&M | $19,519 |
| UMB Bank, National Association | 2600 Network Blvd., Suite 190 Frisco, TX 75034 | Full Service B&M | $64,002 |
| UMB Bank, National Association | 2777 East Camelback Road Phoenix, AZ 85016 | Full Service B&M | $633,598 |
| UMB Bank, National Association | 290 East Cheyenne Mountain Boulevard Colorado Springs, CO 80915 | Full Service B&M | $64,071 |
| UMB Bank, National Association | 300 Dix Road Jefferson City, MO 65109 | Full Service B&M | $57,436 |
| UMB Bank, National Association | 300 Grant Street Carthage, MO 64836 | Full Service B&M | $31,053 |
| UMB Bank, National Association | 301 Nw State Route 7 Blue Springs, MO 64015 | Full Service B&M | $72,606 |
| UMB Bank, National Association | 320 Commercial Street Atchison, KS 66002 | Full Service B&M | $59,107 |
| UMB Bank, National Association | 324 South National Fort Scott, KS 66701 | Full Service B&M | $49,865 |
| UMB Bank, National Association | 329 Range Line Road Joplin, MO 64801 | Full Service B&M | $137,463 |
| UMB Bank, National Association | 3500 S. Oneida Way Denver, CO 80224 | Full Service B&M | $86,981 |
| UMB Bank, National Association | 3500 South Outer Road Blue Springs, MO 64015 | Full Service B&M | $86,729 |
| UMB Bank, National Association | 3535 Quebec Street Denver, CO 80207 | Full Service B&M | $36,954 |
| UMB Bank, National Association | 3601 Mitchell Saint Joseph, MO 64507 | Full Service B&M | $71,427 |
| UMB Bank, National Association | 400 North Broadway Abilene, KS 67410 | Full Service B&M | $43,998 |
| UMB Bank, National Association | 401 N.E. Rice Road Lees Summit, MO 64086 | Full Service B&M | $92,873 |
| 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 | $53,612 |
| UMB Bank, National Association | 426 North Kirkwood Road Kirkwood, MO 63122 | Full Service B&M | $82,488 |
| UMB Bank, National Association | 444 N. Rock Road Wichita, KS 67206 | Full Service B&M | $13,507 |
| UMB Bank, National Association | 4900 Main Kansas City, MO 64112 | Full Service B&M | $245,341 |
| UMB Bank, National Association | 500 Broadway Monett, MO 65708 | Full Service B&M | $61,149 |
| UMB Bank, National Association | 502 Security Boulevard Colorado Springs, CO 80911 | Full Service B&M | $81,609 |
| UMB Bank, National Association | 507 Main Street Russell, KS 67665 | Full Service B&M | $59,902 |
| UMB Bank, National Association | 529 Humboldt Street Manhattan, KS 66502 | Full Service B&M | $55,453 |
| UMB Bank, National Association | 5923 Southwest 29th Street Topeka, KS 66614 | Full Service B&M | $320,808 |
| UMB Bank, National Association | 6059 Mid Rivers Mall Drive Cottleville, MO 63304 | Full Service B&M | $33,476 |
| UMB Bank, National Association | 6211 North Chestnut Gladstone, MO 64119 | Full Service B&M | $112,288 |
| UMB Bank, National Association | 6252 Raytown Road Raytown, MO 64133 | Full Service B&M | $90,661 |
| UMB Bank, National Association | 6400 Independence Avenue Kansas City, MO 64125 | Full Service B&M | $78,363 |
| UMB Bank, National Association | 6900 Mission Road Prairie Village, KS 66208 | Full Service B&M | $41,438 |
| UMB Bank, National Association | 6960 W. 135th Overland Park, KS 66223 | Full Service B&M | $85,613 |
| UMB Bank, National Association | 703 Colorado Boulevard Denver, CO 80206 | Full Service B&M | $30,079 |
| UMB Bank, National Association | 707 Gunstock Drive Warsaw, MO 65355 | Full Service B&M | $50,712 |
| UMB Bank, National Association | 7109 West 80th Street Overland Park, KS 66204 | Full Service B&M | $510,048 |
| UMB Bank, National Association | 7128 West 119th Street Overland Park, KS 66213 | Full Service B&M | $70,896 |
| UMB Bank, National Association | 730 Citadel Drive East Colorado Springs, CO 80932 | Full Service B&M | $114,086 |
| UMB Bank, National Association | 7655 West Thunderbird Road Peoria, AZ 85381 | Full Service B&M | $48,352 |
| 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 | $325,394 |
| UMB Bank, National Association | 8190 South University Boulevard Littleton, CO 80122 | Full Service B&M | $49,414 |
| UMB Bank, National Association | 827 Arnold Commons Drive, 827 Arnold Commons Arnold, MO 63010 | Full Service B&M | $85,928 |
| UMB Bank, National Association | 8300 N.W. Prairie View Road Kansas City, MO 64151 | Full Service B&M | $113,871 |
| UMB Bank, National Association | 8300 Parallel Parkway Kansas City, KS 66112 | Full Service B&M | $56,189 |
| UMB Bank, National Association | 8442 Wornall Kansas City, MO 64114 | Full Service B&M | $76,732 |
| UMB Bank, National Association | 845 North Gilbert Road Gilbert, AZ 85234 | Full Service B&M | $28,491 |
| UMB Bank, National Association | 9 Brentwood Promenade Court Brentwood, MO 63144 | Full Service B&M | $39,149 |
| UMB Bank, National Association | 909 North 6th Street Kansas City, KS 66101 | Full Service B&M | $48,417 |
| UMB Bank, National Association | 924 Main Street Boonville, MO 65233 | Full Service B&M | $46,091 |
| UMB Bank, National Association | 9957 Winghaven Blvd O Fallon, MO 63368 | Full Service B&M | $30,015 |
For 2020, Umb Bank had 95 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $808,041 |
| Net interest income | $737,854 |
| Total noninterest income | $334,103 |
| Gross Fiduciary activities income | $98,385 |
| Service charges on deposit accounts | $84,604 |
| Trading account gains and fees | $17,403 |
| Additional Noninterest Income | $133,711 |
| Pre-tax net operating income | $229,980 |
| Securities gains (or losses, -) | $115,749 |
| Income before extraordinary items | $291,514 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $291,514 |
| Minority interest net income | $0 |
| Net income | $291,514 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $194,284 |
Umb Bank's gross interest income from loans was $808,041,000.
Umb Bank's net interest income from loans was $737,854,000.
Umb Bank's fee based income from loans was $84,604,000.
Umb Bank's net income from loans was $291,514,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $70,187 |
| Provision for credit losses | $127,890 |
| Total noninterest expense | $714,087 |
| Salaries and employee benefits | $377,991 |
| Premises and equipment expense | $67,332 |
| Additional noninterest expense | $268,764 |
| Applicable income taxes | $54,215 |
| Net charge-offs | $20,125 |
| Cash dividends | $57,500 |
Umb Bank's interest expense for loans was $70,187,000.
Umb Bank's payroll and benefits expense were $377,991,000.
Umb Bank's property, plant and equipment expenses $67,332,000.
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 | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 1.1% |
| 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 | $27,232,240 |
| Deposits held in domestic offices | $27,232,240 |
| Deposits by Individuals, partnerships, and corporations | $24,678,621 |
| Deposits by U.S. Government | $4,257 |
| Deposits by States and political subdivisions in the U.S. | $2,170,246 |
| Deposits by Commercial banks and other depository institutions in U.S. | $379,116 |
| Deposits by Banks in foreign countries | $1 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $8,110,771 |
| Demand deposits | $7,022,589 |
| Nontransaction accounts | $19,121,470 |
| Money market deposit accounts (MMDAs) | $4,628,435 |
| Other savings deposits (excluding MMDAs) | $13,616,940 |
| Total time deposits | $876,094 |
| Total time and savings deposits | $20,209,652 |
| Noninterest-bearing deposits | $10,061,012 |
| Interest-bearing deposits | $17,171,228 |
| Retail deposits | $26,261,004 |
| IRAs and Keogh plan accounts | $113,344 |
| Brokered deposits | $577,889 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $32,975,982 |
| Cash & Balances due from depository institutions | $3,617,460 |
| Interest-bearing balances | $3,187,434 |
| Total securities | $10,418,708 |
| Federal funds sold & reverse repurchase | $1,650,335 |
| Net loans and leases | $15,892,599 |
| Loan and leases loss allowance | $215,973 |
| Trading account assets | $31,104 |
| Bank premises and fixed assets | $224,719 |
| Other real estate owned | $4,740 |
| Goodwill and other intangibles | $126,255 |
| All other assets | $1,010,062 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $32,975,982 |
| Total Liabilities | $30,073,423 |
| Total deposits | $27,232,240 |
| Interest-bearing deposits | $17,171,228 |
| Deposits held in domestic offices | $27,232,240 |
| % insured (estimated) | $32 |
| Federal funds purchased and repurchase agreements | $2,315,497 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $525,686 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $15,892,599 |
| Loan and leases loss allowance | $215,973 |
| Total loans and leases (domestic) | $16,108,572 |
| All real estate loans | $7,894,436 |
| Real estate loans in domestic offices | $7,894,436 |
| Construction and development loans | $798,896 |
| Residential 1-4 family construction | $30,275 |
| Other construction, all land development and other land | $768,621 |
| Loans secured by nonfarm nonresidential properties | $4,174,784 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,701,675 |
| Commercial real estate & other non-farm, non-residential | $2,473,109 |
| Multifamily residential real estate | $449,855 |
| 1-4 family residential loans | $1,968,439 |
| Farmland loans | $502,462 |
| Loans held in foreign offices | $0 |
| Farm loans | $161,581 |
| Commercial and industrial loans | $7,519,927 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $306,520 |
| Credit card loans | $189,338 |
| Related Plans | $66,327 |
| Consumer Auto Loans | $27,949 |
| Other loans to individuals | $22,906 |
| All other loans & leases | $226,108 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $174,924 |
| Loans to depository institutions and acceptances of other banks | $1,777 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $706 |
| Non 1-4 family restructured loans & leases | $201 |
| Total loans and leases (foreign) | $0 |
UMB Bank had $15,892,599,000 of loans outstanding in 2020. $7,894,436,000 of loans were in real estate loans. $798,896,000 of loans were in development loans. $449,855,000 of loans were in multifamily mortgage loans. $1,968,439,000 of loans were in 1-4 family mortgage loans. $161,581,000 of loans were in farm loans. $189,338,000 of loans were in credit card loans. $27,949,000 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 | 1,037 | $324,727 | $313,141 |
| Nonfarm, nonresidential loans - <$100k | 91 | $3,021 | $33,198 |
| Nonfarm, nonresidential loans - $100-250k | 239 | $25,041 | $104,774 |
| Nonfarm, nonresidential loans - $250k-1MM | 707 | $296,665 | $419,611 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,849 | $367,792 | $129,095 |
| Commercial & Industrial, US addressed loans - <$100k | 1,210 | $36,293 | $29,994 |
| Commercial & Industrial, US addressed loans - $100-250k | 537 | $44,446 | $82,767 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,102 | $287,053 | $260,484 |
| Farmland loans - <$1MM | 369 | $47,859 | $129,699 |
| Farmland loans - <$100k | 107 | $3,627 | $33,897 |
| Farmland loans - $100-250k | 151 | $16,470 | $109,073 |
| Farmland loans - $250k-1MM | 111 | $27,762 | $250,108 |
| Agriculture operations loans - <$1MM | 302 | $24,397 | $80,785 |
| Agriculture operations loans - <$100k | 127 | $3,703 | $29,157 |
| Agriculture operations loans - $100-250k | 111 | $7,942 | $71,550 |
| Agriculture operations loans - $250k-1MM | 64 | $12,752 | $199,250 |