UMB Bank in Missouri vs the state
23.8%Denial rate+8.74 pts vs state
26.5%Decision denial rate+7.80 pts vs state
63.9%Origination rate+1.26 pts vs state
5.99%Median rate-0.63 pts vs state
-0.83Rate spread (pts)-1.18 pts vs state
$94kMedian applicant income
808Loans originated
301Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,453 | 922 | 25.4% | 6.44% | #32 |
| 2024 | 1,226 | 738 | 27.9% | 6.99% | #38 |
| 2025 | 1,264 | 808 | 23.8% | 5.99% | #42 |
What UMB Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 408 | 232 | 116 | 28.4% |
| St. Louis County | 146 | 109 | 28 | 19.2% |
| Clay County | 114 | 77 | 23 | 20.2% |
| Cass County | 88 | 53 | 24 | 27.3% |
| Platte County | 56 | 37 | 16 | 28.6% |
| St. Charles County | 54 | 42 | 8 | 14.8% |
| Greene County | 43 | 33 | 6 | 14.0% |
| Buchanan County | 41 | 26 | 12 | 29.3% |
| Jefferson County | 38 | 25 | 7 | 18.4% |
| Johnson County | 24 | 11 | 8 | 33.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,264 applications in 2025, of which 808 were originated and 301 denied.
23.8% of all applications, or 26.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans UMB Bank originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology