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UMB Bank, National Association
Bank|Kansas City, MO|Multi-Region
Loans Originated
584
Applications
823
Volume
$288 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.075%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$792
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in FHA and Jumbo loans
Report Card
UMB Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$493,253
Average Borrower Income
$337,517
Average Property Value
$659,880
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 376 | 64.4% | +0.138% | $743 |
FHA Loans | Strong | Strong | Exceptional | Sound | 84 | 14.4% | +0.238% | $1,596 |
VA Loans | Acceptable | Sound | N/A | Acceptable | 18 | 3.1% | -0.159% | $1,139 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 104 | 17.8% | -0.236% | $343 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 485 | 83.0% | +0.040% | $835 |
Refinance | Sound | Sound | Sound | Sound | 99 | 17.0% | +0.250% | $576 |
Geographic Coverage
Metro Areas
7
States Served
21
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLGAIAILKSKYMAMIMOMSNENVOKORPATNTXUT
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 189Mix: 32.36%
Place Specialization
Strong
2
Phoenix, AZMSA
Volume: 87Mix: 14.90%
Place Specialization
Strong
3
Denver, COMSA
Volume: 43Mix: 7.36%
Place Specialization
Sound
4
St. Louis, MO, MO-ILMSA
Volume: 38Mix: 6.51%
Place Specialization
Sound
5
Springfield, MO, MOMSA
Volume: 20Mix: 3.42%
Place Specialization
Sound
6
Dallas, TXMSA
Volume: 21Mix: 3.60%
Place Specialization
Sound
7
Fort Worth, TXMSA
Volume: 11Mix: 1.88%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 109Mix: 18.66%
Place Specialization
Strong
2
MOState
Volume: 208Mix: 35.62%
Place Specialization
Strong
3
AZState
Volume: 94Mix: 16.10%
Place Specialization
Strong
4
COState
Volume: 74Mix: 12.67%
Place Specialization
Strong
5
TXState
Volume: 41Mix: 7.02%
Place Specialization
Sound
6
OKState
Volume: 12Mix: 2.05%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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