UMB Bank in Texas vs the state
36.7%Denial rate+17.28 pts vs state
44.4%Decision denial rate+19.49 pts vs state
43.0%Origination rate-11.84 pts vs state
6.27%Median rate-0.23 pts vs state
-0.29Rate spread (pts)-0.48 pts vs state
$160kMedian applicant income
102Loans originated
87Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 100 | 19.9% | 6.13% | #459 |
| 2024 | 130 | 69 | 17.7% | 6.89% | #501 |
| 2025 | 237 | 102 | 36.7% | 6.27% | #385 |
What UMB Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 45 | 12 | 23 | 51.1% |
| Dallas County | 37 | 22 | 8 | 21.6% |
| Tarrant County | 28 | 12 | 5 | 17.9% |
| Denton County | 24 | 11 | 11 | 45.8% |
| Collin County | 13 | 8 | 4 | 30.8% |
| Scurry County | 11 | 4 | 4 | 36.4% |
| Gray County | 9 | 1 | 4 | 44.4% |
| Harris County | 6 | 4 | 1 | 16.7% |
| Midland County | 6 | 0 | 4 | 66.7% |
| Travis County | 5 | 3 | 1 | 20.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 237 applications in 2025, of which 102 were originated and 87 denied.
36.7% of all applications, or 44.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans UMB Bank originated in Texas in 2025 was 6.27%, against a statewide median of 6.50%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology