UMB Bank in Kansas vs the state
25.3%Denial rate+10.30 pts vs state
27.4%Decision denial rate+9.15 pts vs state
65.4%Origination rate+1.62 pts vs state
5.99%Median rate-0.63 pts vs state
-0.95Rate spread (pts)-1.25 pts vs state
$129kMedian applicant income
496Loans originated
192Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 667 | 448 | 22.9% | 6.14% | #28 |
| 2024 | 596 | 390 | 22.3% | 6.99% | #38 |
| 2025 | 758 | 496 | 25.3% | 5.99% | #33 |
What UMB Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 481 | 326 | 113 | 23.5% |
| Wyandotte County | 81 | 45 | 31 | 38.3% |
| Sedgwick County | 28 | 23 | 3 | 10.7% |
| Douglas County | 21 | 13 | 4 | 19.0% |
| Bourbon County | 18 | 12 | 6 | 33.3% |
| Russell County | 16 | 7 | 6 | 37.5% |
| Shawnee County | 15 | 9 | 4 | 26.7% |
| Saline County | 14 | 8 | 3 | 21.4% |
| Miami County | 10 | 5 | 4 | 40.0% |
| Atchison County | 10 | 7 | 1 | 10.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 758 applications in 2025, of which 496 were originated and 192 denied.
25.3% of all applications, or 27.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans UMB Bank originated in Kansas in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology