UMB Bank in California vs the state
40.0%Denial rate+22.58 pts vs state
43.6%Decision denial rate+21.16 pts vs state
47.3%Origination rate-8.93 pts vs state
6.15%Median rate-0.47 pts vs state
-0.54Rate spread (pts)-0.81 pts vs state
$176kMedian applicant income
52Loans originated
44Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 28.6% | 5.92% | #787 |
| 2024 | 11 | 8 | 18.2% | 6.92% | #711 |
| 2025 | 110 | 52 | 40.0% | 6.15% | #425 |
What UMB Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Luis Obispo County | 42 | 25 | 16 | 38.1% |
| Fresno County | 17 | 5 | 8 | 47.1% |
| Mariposa County | 8 | 2 | 4 | 50.0% |
| Madera County | 6 | 3 | 3 | 50.0% |
| Orange County | 5 | 4 | 0 | 0.0% |
| Tuolumne County | 4 | 1 | 2 | 50.0% |
| San Diego County | 4 | 2 | 1 | 25.0% |
| Solano County | 3 | 1 | 0 | 0.0% |
| San Mateo County | 3 | 2 | 1 | 33.3% |
| Riverside County | 3 | 2 | 1 | 33.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 110 applications in 2025, of which 52 were originated and 44 denied.
40.0% of all applications, or 43.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans UMB Bank originated in California in 2025 was 6.15%, against a statewide median of 6.63%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology