Umb Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: VNOO6EITDJ2YUEBMSZ83

Tax ID: 44-0194180

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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: Denver, Kansas City, Phoenix, Salt Lake City, and St. Louis among others. We have data for 147 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.

    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% 4/22/24
    30 Year Conventional Purchase 5.98% 4/22/24
    30 Year Conventional Refi 6.03% 4/22/24
    30 Year Cash-out Refi 6.54% 4/22/24
    30 Year FHA Purchase 7.43% 4/22/24
    30 Year VA Purchase 6.66% 4/22/24
    30 Year VA Refi 6.27% 4/22/24
    30 Year USDA Purchase 6.75% 4/22/24
    15 Year Conventional Purchase 5.60% 4/22/24
    15 Year Conventional Refi 5.98% 4/22/24
    15 Year Cash-out Refi 5.98% 4/22/24
    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

    3,160

    Origination Dollar Volume (All Markets)

    $1,710,460,000

    Employee count

    2,800 Show all (18) awards

    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) 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.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against UMB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Callaway Bank
    Similarity Rank: 198
    MISSOURI Credit Union
    Similarity Rank: 266
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 322
    Town & Country Bank
    Similarity Rank: 328
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 370
    First Credit Union
    Similarity Rank: 378
    AMOCO
    Similarity Rank: 405
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 413
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 426
    MUTUAL FIRST
    Similarity Rank: 484

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,791 $1,438,355,000 $803,102 $2,608 3.04%
    HELOC 1,310 $257,910,000 $196,878 n/a 2.81%
    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 2021, Umb Bank's most frequently originated type of loan was Conventional, with 1,791 originations. Their 2nd most popular type was HELOC, with 1,310 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Umb Bank's most frequently cited loan purpose was Refi, with 1,196 originations. The 2nd most popular reason was 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 2021, Umb Bank's most frequently cited loan duration was 30 Year, with 2,460 originations. The 2nd most popular length was 15 Year, with 300 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 5 $2,175,000 $435,000
    $4k-5k 1 $445,000 $445,000
    $5k+ 1 $255,000 $255,000

    Umb Bank's average total fees were $3,441, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.86%, while their most frequently originated rate bucket for loans was 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 or Islander 2 $210,000 $105,000 $0 2.58%

    Approval Rates

    Total approvals of all applications
    81.21%

    Umb Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    84.84%

    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 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 101 North High Street Belleville, IL 62220 Full Service B&M $64,869
    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 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 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