# UMB Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/umb-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UMB Bank, National Association is a bank, headquartered in Kansas City, MO, serving borrowers across 21 states, with 584 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** VNOO6EITDJ2YUEBMSZ83
- **Headquarters:** Kansas City, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AZ, CA, CO, FL, GA, IA, IL, KS, KY, MA, MI, MO, MS, NE, NV, OK, OR, PA, TN, TX, UT
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.075%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $792
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 584
- **Dollar Volume:** $288 million
- **Applications Received:** 823
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $493,253
- **Average Borrower Income:** $337,517
- **Average Property Value:** $659,880

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 376 | +0.138% | $743 | Sound ☺️ |
| FHA | 63/100 | 84 | +0.238% | $1,596 | Strong 😀 |
| VA | 41/100 | 18 | -0.159% | $1,139 | Sound ☺️ |
| Jumbo | 80/100 | 104 | -0.236% | $343 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 296 loans, Score: 51/100 (Sound)
- Refinance: 80 loans, Score: 56/100 (Sound)

**FHA:**
- Purchase: 78 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 95 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 485 | $263M | +0.040% | Sound ☺️ |
| Refinance | 56/100 | 99 | $25M | +0.250% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 208 | 0.28% | 72/100 |
| KS | 109 | 0.36% | 73/100 |
| AZ | 94 | 0.09% | 64/100 |
| CO | 74 | 0.09% | 61/100 |
| TX | 41 | 0.01% | 49/100 |
| OK | 12 | 0.03% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 189 | 75/100 |
| Phoenix | AZ | 87 | 64/100 |
| Non |  | 61 | 45/100 |
| Denver | CO | 43 | 57/100 |
| St. Louis, MO | MO-IL | 38 | 57/100 |
| Dallas | TX | 21 | 47/100 |
| Springfield, MO | MO | 20 | 52/100 |
| Fort Worth | TX | 11 | 41/100 |

## Where This Lender Ranks

UMB Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kansas City, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Kansas City, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Kansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Missouri for Jumbo Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Missouri for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Springfield, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Springfield, MO Banks
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks)
- 🏆 **#14** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🏆 **#18** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#20** in Springfield, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does UMB Bank, National Association offer?

UMB Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UMB Bank, National Association offer mortgages?

UMB Bank, National Association offers mortgages in 21 states: AZ, CA, CO, FL, GA, IA, IL, KS, KY, MA, MI, MO, MS, NE, NV, OK, OR, PA, TN, TX, UT.

### How competitive are UMB Bank, National Association's mortgage rates?

UMB Bank, National Association has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.075% above market average.

### What type of lender is UMB Bank, National Association?

UMB Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kansas City, MO.

### What is UMB Bank, National Association's loan approval success rate?

UMB Bank, National Association has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/umb-bank-national-association

### How to Cite

> "UMB Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/umb-bank-national-association

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