UMB Bank in Iowa vs the state
25.3%Denial rate+12.43 pts vs state
28.2%Decision denial rate+12.90 pts vs state
63.2%Origination rate-5.24 pts vs state
6.15%Median rate-0.35 pts vs state
-0.18Rate spread (pts)-0.37 pts vs state
$96kMedian applicant income
55Loans originated
22Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 5 | 28.6% | 6.49% | #368 |
| 2025 | 87 | 55 | 25.3% | 6.15% | #159 |
What UMB Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dubuque County | 68 | 45 | 17 | 25.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Dallas County | 3 | 2 | 1 | 33.3% |
| Black Hawk County | 3 | 0 | 1 | 33.3% |
| Washington County | 2 | 1 | 1 | 50.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Appanoose County | 1 | 1 | 0 | 0.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Ringgold County | 1 | 0 | 0 | 0.0% |
| Jones County | 1 | 0 | 1 | 100.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 87 applications in 2025, of which 55 were originated and 22 denied.
25.3% of all applications, or 28.2% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans UMB Bank originated in Iowa in 2025 was 6.15%, against a statewide median of 6.50%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology