Umb Bank Mortgage Rates, Fees & Info
Kansas City, MOLEI: VNOO6EITDJ2YUEBMSZ83
Tax ID: 44-0194180
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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: Kansas City, Denver, Phoenix, Glenwood Springs, and Cleveland among others. We have data for 140 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% | 11/17/24 |
| 30 Year Conventional Purchase | 5.98% | 11/17/24 |
| 30 Year Conventional Refi | 6.03% | 11/17/24 |
| 30 Year Cash-out Refi | 6.54% | 11/17/24 |
| 30 Year FHA Purchase | 7.43% | 11/17/24 |
| 30 Year VA Purchase | 6.66% | 11/17/24 |
| 30 Year VA Refi | 6.27% | 11/17/24 |
| 30 Year USDA Purchase | 6.75% | 11/17/24 |
| 15 Year Conventional Purchase | 5.60% | 11/17/24 |
| 15 Year Conventional Refi | 5.98% | 11/17/24 |
| 15 Year Cash-out Refi | 5.98% | 11/17/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,795Origination Dollar Volume (All Markets)
$1,472,965,000Awards
UMB Bank - 2022
UMB Bank is a 2022 , due to their low .
For 2022, 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) | 983 | $228,255,000 | $232,202 | $1,545 | 4.22% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 395 | $218,405,000 | $552,924 | $2,875 | 3.84% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 286 | $120,870,000 | $422,622 | $3,761 | 4.13% |
| Glenwood Springs, CO (FHA|USDA|VA) | 6 | $100,710,000 | $16,785,000 | $5,637 | 4.35% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $81,680,000 | $40,840,000 | $3,252 | 4.68% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 307 | $79,035,000 | $257,443 | $2,114 | 4.31% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $75,005,000 | $75,005,000 | $0 | 5.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 62 | $66,860,000 | $1,078,387 | $2,248 | 3.91% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $65,160,000 | $32,580,000 | $9,835 | 3.54% |
| Outside of Metro Areas | 130 | $53,290,000 | $409,923 | $2,103 | 4.18% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $50,985,000 | $5,665,000 | $5,645 | 3.94% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 88 | $42,220,000 | $479,773 | $5,436 | 4.26% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $37,190,000 | $3,099,167 | $6,952 | 3.74% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 56 | $13,970,000 | $249,464 | $2,090 | 4.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 30 | $13,740,000 | $458,000 | $1,782 | 3.75% |
| Breckenridge, CO (FHA|USDA|VA) | 12 | $12,770,000 | $1,064,167 | $2,638 | 3.93% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $12,155,000 | $4,051,667 | $2,726 | 4.32% |
| Edwards, CO (FHA|USDA|VA) | 8 | $11,630,000 | $1,453,750 | $3,845 | 4.11% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 12 | $9,240,000 | $770,000 | $2,849 | 4.63% |
| NAPA, CA (FHA|USDA|VA) | 2 | $9,200,000 | $4,600,000 | $0 | 4.25% |
| BOULDER, CO (FHA|USDA|VA) | 16 | $8,910,000 | $556,875 | $2,295 | 3.84% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $8,565,000 | $1,223,571 | $7,498 | 4.14% |
| WICHITA, KS (FHA|USDA|VA) | 30 | $7,850,000 | $261,667 | $1,839 | 3.77% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $6,870,000 | $1,145,000 | $4,386 | 4.71% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 10 | $6,680,000 | $668,000 | $3,671 | 4.05% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $6,260,000 | $1,565,000 | $8,270 | 3.78% |
| FORT COLLINS, CO (FHA|USDA|VA) | 9 | $6,135,000 | $681,667 | $2,704 | 3.78% |
| Steamboat Springs, CO (FHA|USDA|VA) | 4 | $5,640,000 | $1,410,000 | $3,964 | 3.98% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $5,505,000 | $1,835,000 | $6,475 | 3.15% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $4,855,000 | $1,618,333 | $7,879 | 3.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 28 | $4,480,000 | $160,000 | $1,163 | 4.17% |
| GREELEY, CO (FHA|USDA|VA) | 12 | $4,450,000 | $370,833 | $3,086 | 4.24% |
| LAWRENCE, KS (FHA|USDA|VA) | 13 | $4,055,000 | $311,923 | $2,067 | 4.39% |
| TULSA, OK (FHA|USDA|VA) | 18 | $3,490,000 | $193,889 | $2,184 | 4.03% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $3,215,000 | $1,071,667 | $9,200 | 4.73% |
| Heber, UT (FHA|USDA|VA) | 2 | $3,110,000 | $1,555,000 | $2,389 | 3.85% |
| JOPLIN, MO (FHA|USDA|VA) | 16 | $3,100,000 | $193,750 | $2,071 | 3.99% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 33 | $2,745,000 | $83,182 | $1,396 | 4.43% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $2,595,000 | $865,000 | $3,959 | 4.19% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $5,882 | 4.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $2,460,000 | $1,230,000 | $7,343 | 3.66% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $4,145 | 4.05% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,105,000 | $2,105,000 | $0 | 2.84% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $2,040,000 | $1,020,000 | $4,511 | 3.20% |
| RENO, NV (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 4.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $5,781 | 3.95% |
| Outside of Metro Areas | 1 | $1,755,000 | $1,755,000 | $9,344 | 2.59% |
| Warrensburg, MO (FHA|USDA|VA) | 11 | $1,675,000 | $152,273 | $2,344 | 3.52% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,665,000 | $555,000 | $0 | 3.53% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $4,702 | 2.59% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $1,555,000 | $1,555,000 | $7,103 | 3.54% |
| Montrose, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $2,866 | 4.18% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $5,924 | 3.54% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $6,492 | 4.34% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $9,269 | 4.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $4,509 | 4.90% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 5.74% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $4,435 | 3.14% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $2,184 | 4.91% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 3.10% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $1,526 | 2.74% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $2,831 | 4.39% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $2,875 | 3.38% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $4,575 | 4.72% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,039 | 3.22% |
| Rockport, TX (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $6,801 | 3.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 4.75% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $1,999 | 3.95% |
| MANHATTAN, KS (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $1,265 | 4.31% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $3,246 | 3.63% |
| Branson, MO (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,247 | 3.90% |
| Atchison, KS (FHA|USDA|VA) | 9 | $735,000 | $81,667 | $467 | 4.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $2,273 | 2.49% |
| Bonham, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 3.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,201 | 3.30% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 4.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $2,596 | 4.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,738 | 2.84% |
| TOPEKA, KS (FHA|USDA|VA) | 8 | $650,000 | $81,250 | $1,746 | 3.44% |
| Payson, AZ (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,453 | 5.69% |
| Durango, CO (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $1,977 | 3.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,300 | 3.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,875 | 4.45% |
| Key West, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 3.85% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $2,883 | 3.59% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,895 | 3.04% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,088 | 4.14% |
| Salina, KS (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $0 | 4.06% |
| Ludington, MI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,517 | 4.69% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,020 | 4.10% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,952 | 3.40% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,122 | 4.10% |
| Durant, OK (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,379 | 5.82% |
| Hays, KS (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 2.99% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $15,564 | 5.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,189 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,512 | 2.80% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,925 | 5.63% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,133 | 3.40% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,180 | 2.65% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,357 | 5.82% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,493 | 2.68% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,095 | 5.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,372 | 5.19% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,799 | 5.50% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 3.49% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,547 | 4.73% |
| READING, PA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,570 | 3.37% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,620 | 4.33% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,764 | 3.10% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,250 | 4.79% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,160 | 3.50% |
| Elk City, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 1.99% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,353 | 7.13% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,509 | 6.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,072 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.24% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,211 | 4.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,012 | 2.68% |
| Helena, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,060 | 3.80% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,853 | 4.53% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.74% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,095 | 5.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,601 | 4.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,603 | 2.74% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.56% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 3.37% |
| Seneca, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Duncan, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,967 | 5.25% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.74% |
| AKRON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.49% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 2.99% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 2.99% |
| Marshall, MO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.49% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $200 | 4.82% |
| McAlester, OK (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $100 | 7.09% |
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Product Mix
For 2022, Umb Bank's most frequently originated type of loan was Conventional, with 1,430 originations. Their 2nd most popular type was HELOC, with 1,342 originations.
Loan Reason
For 2022, Umb Bank's most frequently cited loan purpose was Home Purchase, with 933 originations. The 2nd most popular reason was Home Improvement, with 753 originations.
Loan Duration/Length
For 2022, Umb Bank's most frequently cited loan duration was 30 Year, with 2,367 originations. The 2nd most popular length was 20 Year, with 138 originations.
Origination Fees/Closing Costs
Umb Bank's average total fees were $3,275, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,258 originations.
Interest Rates
During 2022, Umb Bank's average interest rate for loans was 4.00%, while their most frequently originated rate bucket for loans was 3-4%, with 877 originations.
Loan Sizing
2022 saw Umb Bank place emphasis on $100,000 or less loans with 765 originations, totaling $38,825,000 in origination value.
Applicant Income
Umb Bank lent most frequently to those with incomes in the $250k+ range, with 767 originations. The second most popular income band? $150k-250k, with 474 originations.
Applicant Debt to Income Ratio
Umb Bank lent most frequently to those with DTI ratios of 20-30%, with 662 originations. The next most common DTI ratio? 30-36%, with 474 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.98%
Umb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination82.29%
Umb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,795 | $1,472,965,000 | $527,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,795 | $1,472,965,000 | $527,000 |