We analyzed every closed loan from UMB Bank — 584 loans across 823 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Awards
Jumbo
Champion
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in FHA and Jumbo loans
Explore another lender or local market
Report Card
UMB Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+7.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 376 | 64.4% | +0.138%Above | $743Fees | ||||
FHA Loans | 84 | 14.4% | +0.238%Above | $1,596Fees | ||||
VA Loans | — | 18 | 3.1% | -0.159%Below | $1,139Fees | |||
Jumbo Loans | 104 | 17.8% | -0.236%Below | $343Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume376
Mix64.4%
Spread
+0.138%Above
Fees
$743Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume84
Mix14.4%
Spread
+0.238%Above
Fees
$1,596Fees
VA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume18
Mix3.1%
Spread
-0.159%Below
Fees
$1,139Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume104
Mix17.8%
Spread
-0.236%Below
Fees
$343Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 485 | 83.0% | +0.040%Above | $835Fees | ||||
Refinance | 99 | 17.0% | +0.250%Above | $576Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume485
Mix83.0%
Spread
+0.040%Above
Fees
$835Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume99
Mix17.0%
Spread
+0.250%Above
Fees
$576Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
584
Applications
823
Volume
$288 million
Pricing & Closing
Avg Rate Spread
+0.075%
vs. market APOR
Avg Net Fees
$792
Origination − Credits
Pullthrough Rate
71.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$493,253
Avg Borrower Income
$337,517
Avg Property Value
$659,880
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
21Northeast2
MAPA
Midwest6
IAILKSMIMONE
South7
FLGAKYMSOKTNTX
West6
AZCACONVORUT
Top Metro Areas by Place Specialization Score
Volume 189Mix 32.36% of portfolio
75/100
Strong
Volume 87Mix 14.90% of portfolio
64/100
Strong
Volume 43Mix 7.36% of portfolio
57/100
Sound
Volume 38Mix 6.51% of portfolio
57/100
Sound
Volume 20Mix 3.42% of portfolio
52/100
Sound
Volume 21Mix 3.60% of portfolio
47/100
Sound
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 11Mix 1.88% of portfolio
41/100
SoundTop States by Place Specialization Score
1
KansasState
Volume 109Mix 18.66% of portfolio
73/100
Strong2
MissouriState
Volume 208Mix 35.62% of portfolio
72/100
Strong3
ArizonaState
Volume 94Mix 16.10% of portfolio
64/100
Strong4
ColoradoState
Volume 74Mix 12.67% of portfolio
61/100
Strong5
TexasState
Volume 41Mix 7.02% of portfolio
49/100
Sound6
OklahomaState
Volume 12Mix 2.05% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.