HMDA records
4,678
2025
Public institution profile · Bank · Not a recommendation
UMB Bank, National Association
BankKansas City, MOActive
FDIC certificate 8273
Data observedAugust 3, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 8273
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 936855
- OCC charter number
- 23920
- Not published — no verified match
- Official website
- https://www.umb.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Kansas City, MO
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 194
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam August 1, 1998
- Institution history
- 30 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Kansas City, MO
- activity
- Published activity year 2025
- Listed branch locations
- 194
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam August 1, 1998
- Institution history
- 30 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
4,678reported records
2,686reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
2,686
2025
Denials
1,222
2025
Withdrawals
399
2025
Denial rate among decisioned applications
30.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 4,678 | 2,686 | 103 | 1,222 | 399 | 30.5% |
| 2024 | 3,080 | 1,902 | 49 | 752 | 289 | 27.8% |
| 2023 | 3,665 | 2,311 | 45 | 878 | 334 | 27.1% |
| 2022 | 4,310 | 2,795 | 64 | 906 | 431 | 24.1% |
| 2021 | 4,645 | 3,160 | 83 | 873 | 396 | 21.2% |
| 2020 | 5,505 | 3,648 | 112 | 982 | 615 | 20.7% |
| 2019 | 4,451 | 2,998 | 63 | 897 | 365 | 22.7% |
| 2018 | 3,608 | 2,340 | 44 | 768 | 324 | 24.4% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 4,483 |
| FHA | 156 |
| VA | 30 |
| RHS / FSA | 9 |
| Home purchase | 1,275 |
| Home improvement | 1,348 |
| Refinancing | 1,181 |
| Cash-out refinancing | 91 |
State reporting
39 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- UMB Bank, National Association
- Display name
- UMB Bank, National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- August 28, 1902
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Kansas City, MO, 64106, United States
- Website
- https://www.umb.com
- FDIC certificate number
- 8273
- Federal Reserve
- 936855
- OCC charter number
- 23920
- Domestic location count
- 208
- Source observed
- August 3, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 8273
- Federal Reserve
- 936855
- VNOO6EITDJ2YUEBMSZ83
- Headquarters
- 1010 Grand Avenue, Kansas City, MO, 64106, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- August 1, 1998
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| August 1, 1998 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 1995 | Satisfactory | FDIC | Not Reported |
| August 1, 1993 | Satisfactory | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
14
Showing 1 through 14 of 14 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | 1268 SOUTH JONES SPRING LANE, LLC | Domestic Entity Other | Kansas City, MO |
| Direct relationship | CONIFER PROPERTIES, LLC | Domestic Entity Other | Kirkwood, MO |
| Direct relationship | DB&T COMMUNITY DEVELOPMENT CORPORATION | Domestic Entity Other | Dubuque, IA |
| Direct relationship | HEARTLAND FINANCIAL USA, INC. INSURANCE SERVICES | Domestic Entity Other | Dubuque, IA |
| Direct relationship | KANSAS CITY REALTY COMPANY | Domestic Entity Other | Overland Park, KS |
| Direct relationship | UMB BANC LEASING CORP | Domestic Entity Other | Kansas City, MO |
| Direct relationship | UMB BANK & TRUST, NATIONAL ASSOCIATION | Non-deposit Trust Company - Member | Kansas City, MO |
| Direct relationship | UMB CAPITAL CORPORATION | Finance Company | Kansas City, MO |
| Direct relationship | UMB COLORADO PROPERTY, LLC | Domestic Entity Other | Denver, CO |
| Direct relationship | UMB DELAWARE, INC. | Non-deposit Trust Company - Non-member | Wilmington, DE |
| Direct relationship | UMB FOREIGN, LLC | Edge Corp - Investment | Kansas City, MO |
| Direct relationship | UMB INSURANCE, INC. | Domestic Entity Other | Kansas City, MO |
| Direct relationship | UMB TRUST COMPANY OF SOUTH DAKOTA | Non-deposit Trust Company - Non-member | Sioux Falls, SD |
| ROOT_INSTITUTION | UMB BANK, NATIONAL ASSOCIATION | National Bank | Kansas City, MO |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
194
Showing 151 through 194 of 194 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ENCHANTED HILLS BANKING CENTER | 7830 Enchanted Hills Drive NE | Rio Rancho | NM | 87144 |
| RIO RANCHO BANKING CENTER | 4001 Southern Boulevard Southeast | Rio Rancho | NM | 87124 |
| RAILYARD BANKING CENTER | 1549 Paseo DE Peralta | Santa Fe | NM | 87501 |
| ST. MICHAEL'S BANKING CENTER | 1592 Saint Michaels Drive | Santa Fe | NM | 87505 |
| SANTA ROSA BANKING CENTER | 2458 Historic Route 66 | Santa Rosa | NM | 88435 |
| TIERRA AMARILLA BANKING CENTER | 17345 US Highway 84/64 | Tierra Amarilla | NM | 87575 |
| TUCUMCARI BANKING CENTER | 101 East Route 66 Boulevard | Tucumcari | NM | 88401 |
| NORTH ROBINSON BRANCH | 600 North Robinson | Oklahoma City | OK | 73102 |
| PENN SQUARE BRANCH | 5363 N Pennsylvania Ave | Oklahoma City | OK | 73118 |
| TULSA BRANCH | 1437 South Boulder | Tulsa | OK | 74119 |
| TREADWAY BANKING CENTER | 3910 S. Treadaway Boulevard | Abilene | TX | 79602 |
| COLORADO CITY BANKING CENTER | 2225 Hickory | Colorado City | TX | 79512 |
| DALLAS BRANCH | 4228 North Central Expressway | Dallas | TX | 75206 |
| DALLAS COMMERCIAL BANKING CENTER | 5950 Berkshire Lane Suite 1600 | Dallas | TX | 75225 |
| DENTON NORTH BRANCH | 1013 W. University Drive | Denton | TX | 76201 |
| ROBSON RANCH MOBILE BRANCH | 1013 West University Drive | Denton | TX | 76201 |
| FARWELL BANKING CENTER | 801 Avenue A | Farwell | TX | 79325 |
| FORT WORTH BRANCH | 777 Main Street | Fort Worth | TX | 76102 |
| LEVELLAND BANKING CENTER | 110 College Avenue | Levelland | TX | 79336-4102 |
| LITTLEFIELD BANKING CENTER | 1810 Hall Avenue | Littlefield | TX | 79339 |
| LUBBOCK CENTRE BANKING CENTER | 9816 Slide Road | Lubbock | TX | 79424 |
| LUBBOCK MIDCITY BANKING CENTER | 3405 22nd Street | Lubbock | TX | 79410 |
| LUBBOCK SOUTH BANKING CENTER | 7806 Indiana Avenue | Lubbock | TX | 79423 |
| LUBBOCK WEST BANKING CENTER | 6501 19th Street | Lubbock | TX | 79407 |
| MIDLAND BANKING CENTER | 1111 West Wall Street | Midland | TX | 79701 |
| MULESHOE BANKING CENTER | 101 West American Blvd. | Muleshoe | TX | 79347-1617 |
| ODESSA BANKING CENTER | 7281 Tres Hermanas Boulevard | Odessa | TX | 79765 |
| PAMPA BANKING CENTER | 1224 North Hobart Street | Pampa | TX | 79065 |
| PLAINS BANKING CENTER | 1505 US Hwy 82 | Plains | TX | 79355 |
| SNYDER BANKING CENTER | 4500 College Ave | Snyder | TX | 79549 |
| TAHOKA BANKING CENTER | 1910 Lockwood | Tahoka | TX | 79373 |
| WOLFFORTH BANKING CENTER | 702 Donald Preston Drive | Wolfforth | TX | 79382 |
| SLC MAIN | 911 E. Fort Union Boulevard | Midvale | UT | 84047 |
| COTTAGE GROVE BANKING CENTER | 580 North Main Street | Cottage Grove | WI | 53527 |
| FITCHBURG BANKING CENTER | 6131 Nesbitt Road | Fitchburg | WI | 53719 |
| GLENDALE BANKING CENTER | 5380 North Port Washington Road | Glendale | WI | 53217 |
| GREEN BAY BANKING CENTER | 240 N Broadway | Green Bay | WI | 54303 |
| MADISON MAIN BANKING CENTER | 119 Junction Road | Madison | WI | 53717 |
| MONROE BANKING CENTER | 1717 10th Street | Monroe | WI | 53566 |
| PLATTEVILLE BANKING CENTER | 10 Keystone Parkway | Platteville | WI | 53818 |
| PLYMOUTH BANKING CENTER | 2511 Eastern Avenue | Plymouth | WI | 53073 |
| SHEBOYGAN NORTH BANKING CENTER | 4210 State Highway 42 | Sheboygan | WI | 53083 |
| SHEBOYGAN SOUTH BANKING CENTER | 3220 South Business Drive | Sheboygan | WI | 53081 |
| SHEBOYGAN WEST BANKING CENTER | 655 South Taylor Drive | Sheboygan | WI | 53081 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
30
Showing 1 through 25 of 30 history events
| Event date | Event type | Related institution |
|---|---|---|
| February 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 1, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 1, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 8, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 4, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 1, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | UMB U.S.A., NATIONAL ASSOCIATION |
| March 4, 2000 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 4, 2000 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 25, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 25, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 25, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 11, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 11, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 11, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 28, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 28, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 28, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 31, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 26, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | UMB BANK KANSAS INVESTMENT COMPANY |
| April 26, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 1992 | Charter Discontinued (Merger or Purchase & Assumption) | UNITED MISSOURI SAFE DEPOSIT COMPANY |
| June 1, 1991 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-03
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-03
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-03
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.