UMB Bank in Minnesota vs the state
24.4%Denial rate+10.79 pts vs state
28.6%Decision denial rate+12.22 pts vs state
53.7%Origination rate-12.71 pts vs state
6.20%Median rate-0.42 pts vs state
-0.15Rate spread (pts)-0.41 pts vs state
$235kMedian applicant income
22Loans originated
10Denied
What UMB Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 19 | 7 | 7 | 36.8% |
| Washington County | 4 | 2 | 2 | 50.0% |
| Ramsey County | 4 | 4 | 0 | 0.0% |
| Dakota County | 4 | 3 | 0 | 0.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Crow Wing County | 2 | 2 | 0 | 0.0% |
| Wright County | 2 | 1 | 1 | 50.0% |
| Scott County | 2 | 1 | 0 | 0.0% |
| Stearns County | 1 | 0 | 0 | 0.0% |
| Carver County | 1 | 0 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 41 applications in 2025, of which 22 were originated and 10 denied.
24.4% of all applications, or 28.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans UMB Bank originated in Minnesota in 2025 was 6.20%, against a statewide median of 6.63%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology