UMB Bank in Florida vs the state
8.8%Denial rate-12.24 pts vs state
10.7%Decision denial rate-16.53 pts vs state
73.5%Origination rate+20.84 pts vs state
6.45%Median rate-0.17 pts vs state
-0.52Rate spread (pts)-0.79 pts vs state
$618kMedian applicant income
25Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 9 | 18.2% | 6.89% | #975 |
| 2024 | 20 | 15 | 15.0% | 6.89% | #779 |
| 2025 | 34 | 25 | 8.8% | 6.45% | #665 |
What UMB Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 9 | 7 | 1 | 11.1% |
| Duval County | 4 | 1 | 1 | 25.0% |
| Lee County | 3 | 3 | 0 | 0.0% |
| Santa Rosa County | 3 | 0 | 0 | 0.0% |
| Pinellas County | 2 | 1 | 1 | 50.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Palm Beach County | 1 | 1 | 0 | 0.0% |
| Broward County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 34 applications in 2025, of which 25 were originated and 3 denied.
8.8% of all applications, or 10.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans UMB Bank originated in Florida in 2025 was 6.45%, against a statewide median of 6.63%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology