Lender profile · HMDA 2023–2025
UMB Bank, National Association mortgage approval rates & lending data
UMB Bank, National Association decided 6,504 mortgage applications and funded 4,793 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 1,774 / 1,987 | 99% | $375K | 1,758 |
| Home improvement loans | 64% | 1,508 / 2,345 | 96% | $105K | 1,448 |
| Cash-out refinance | 77% | 66 / 86 | 98% | $185K | 65 |
| Refinance | 75% | 1,276 / 1,707 | 97% | $125K | 1,239 |
| Investment property purchase | 93% | 225 / 241 | 95% | $365K | 214 |
| Investment refinance | 70% | 50 / 71 | 96% | $215K | 48 |
| Investment home improvement | 33% | 20 / 60 | 85% | $125K | 17 |
UMB Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 77% | $105K | 1,980 | 1,481 |
| Kansas | 79% | $125K | 1,246 | 969 |
| Colorado | 73% | $255K | 1,237 | 869 |
| Arizona | 79% | $375K | 934 | 714 |
| Texas | 75% | $505K | 312 | 230 |
| Illinois | 70% | $105K | 178 | 122 |
| Oklahoma | 68% | $115K | 124 | 82 |
| New Mexico | 52% | $155K | 109 | 53 |
| Wisconsin | 54% | $215K | 89 | 48 |
| California | 67% | $155K | 78 | 49 |
| Florida | 88% | $705K | 48 | 42 |
| Minnesota | 76% | $255K | 25 | 17 |
| Nebraska | 81% | $415K | 21 | 17 |
| Utah | 74% | $855K | 19 | 13 |
| Nevada | 100% | $455K | 18 | 16 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.