UMB Bank, National Association mortgage approval rate & lending review
UMB Bank, National Association decided 6,504 mortgage applications and funded 4,793 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UMB Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
UMB Bank, National Association at a glance
Approval is 0.7 points above the 75.0% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where UMB Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MO | Mortgage lenders | 91% | 360 | 327 |
| Johnson County, KS | Home improvement loans | 71% | 392 | 272 |
| Johnson County, KS | Refinance | 82% | 304 | 245 |
| Jackson County, MO | Home improvement loans | 55% | 374 | 195 |
| Johnson County, KS | Mortgage lenders | 92% | 195 | 179 |
| Maricopa County, AZ | Home improvement loans | 70% | 229 | 155 |
| Jackson County, MO | Refinance | 78% | 190 | 141 |
| Maricopa County, AZ | Refinance | 71% | 187 | 127 |
| Denver County, CO | Refinance | 71% | 138 | 98 |
| Clay County, MO | Mortgage lenders | 95% | 103 | 96 |
| Denver County, CO | Home improvement loans | 66% | 154 | 94 |
| Clay County, MO | Home improvement loans | 70% | 114 | 78 |
The county markets where UMB Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about UMB Bank, National Association
What is UMB Bank, National Association's mortgage approval rate?
UMB Bank, National Association approved 75.7% of the 6,504 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points above the 75.0% national rate for the same mix of loan types.
How often do borrowers take the loan UMB Bank, National Association offers?
Borrowers accepted 97% of the loans UMB Bank, National Association approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does UMB Bank, National Association make?
The typical home improvement loan loan UMB Bank, National Association made was $105K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UMB Bank, National Association lend?
UMB Bank, National Association decided applications in 41 of the states Fat Boy Data covers, most of them in Missouri, Kansas and Colorado.
Can I apply to UMB Bank, National Association directly?
Yes. UMB Bank, National Association is a bank or credit union with 199 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show UMB Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how UMB Bank, National Association treats applications, then get a rate quote from the lender.