Lender in Missouri · HMDA 2025
UMB Bank, N.A. mortgages in Missouri
UMB Bank, N.A.'s 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
UMB Bank, N.A. originated 207 owner-occupied single-family loans in Missouri from 240 completed applications.
Its median conventional purchase loan costs were $3,030 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.50% (Missouri: 6.625%).
Loans in MO
207
of 240 applications
Denial rate
7.7%
Purchase · MO 6.5%
Rate spread
+0.01 pts
Conv. · MO +0.24 pts
Loan amount
$265,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 181 | 166 | 7.7% | 6.500% | +0.01 pts | $3,030 | $265,000 |
| Refinance | 43 | 26 | 32.6% | — | +0.48 pts | $50 | $105,000 |
| Cash-out refinance | 16 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where UMB Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Linn County | 18 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology