Applications / Mortgage Analytics / Lenders / Missouri / UMB Bank
Kansas City, MO · National bank · OCC · $72.8 billion assets · 2,686 loans in 2025
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2,686
loans originated, 2025
4,437
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UMB Bank's originations rose 41% in 2025, far faster than similar national banks, in the year of its merger with HTLF Bank, and its share rose in several western and Florida markets.
Similar lenders are national banks making between half and twice as many loans. UMB Bank's originations rose 41% to 2,686, against 10% for similar lenders and the whole market, higher than about five in six of them. The 2025 merger with HTLF Bank may have added to that; it also bought 165 loans from other lenders, against none the year before.
Its share rose to 0.8% from 0.0% in Salt Lake City-Murray (rank 29 of 363), to 1.6% from 0.1% in Naples-Marco Island (rank 12 of 595) and to 0.7% from 0.3% in Denver-Aurora-Centennial (rank 32 of 754). HTLF Bank's filings count as UMB Bank's in these market figures, so the merger may account for some of the gains.
Jumbo loans (larger than the conforming limit) were 13.4% of its loans against 1.9%, higher than about five in six similar lenders. Home improvement, 27.8% of its loans, could explain why its typical loan, $175,000, was lower than peers' $225,000.
Its typical rate was 5.99% against 6.62%, lower than about four in five similar lenders. LMI (low- and moderate-income) borrowers took 24.2% of its loans against 27.2%, near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UMB Bank took 4,437 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 29.4% · Purchase 28.6% · Home improvement 27.8% · Other 14.2%
Conventional 96.2% · FHA 3.0% · VA 0.6% · USDA (RHS or FSA) 0.2% · of 2,686 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 808 | 30.1% |
| Kansas | 496 | 18.5% |
| Colorado | 407 | 15.2% |
| Arizona | 328 | 12.2% |
| Illinois | 104 | 3.9% |
| Texas | 102 | 3.8% |
| New Mexico | 97 | 3.6% |
| Wisconsin | 83 | 3.1% |
| Iowa | 55 | 2.0% |
| California | 52 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 795 |
| Phoenix-Mesa-Chandler | 300 |
| Denver-Aurora-Centennial | 290 |
| St. Louis | 229 |
| Albuquerque | 56 |
| Rockford | 47 |
| Colorado Springs | 46 |
| Springfield | 46 |
| Dubuque | 45 |
| Dallas-Plano-Irving | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | VNOO6EITDJ2YUEBMSZ83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 936855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38273 | 1990–1998 |
| Respondent ID (the HMDA filer code before 2018) | 123920 | 1999–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9936855 | 2011–2017 |
Established 28 August 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: UMB Bank's data.
UMB Bank's data
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