UMB Bank, National Association closing costs and rates (2024)
In 2024, UMB Bank, National Association originated 449 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,636. That is $3,105 below the national median of $6,741. UMB Bank, National Association is most active in Missouri with 140 originations there.
Purchase Originations
449
Median Total Costs
$3,636
−46.1% vs national ($6,741)
Median Rate
6.624%
+0.1% vs national (6.620%)
Median Origination
$1,140
Median Lender Credits
$327
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 368 | 6.652% | $3,265 | $1,140 |
| fha | 65 | 6.250% | $8,861 | $1,140 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 140 | 6.508% | $3,037 | #78 |
| Kansas | 89 | 6.624% | $2,748 | #74 |
| Arizona | 82 | 6.758% | $5,921 | #111 |
| Colorado | 60 | 6.690% | $3,339 | #132 |
| Texas | 36 | 6.770% | $7,139 | — |
| Oklahoma | 8 | 6.808% | $4,394 | — |
| Florida | 6 | 6.890% | $6,225 | — |
| Illinois | 5 | 6.840% | $3,446 | — |
| Nevada | 5 | 6.250% | $12,648 | — |
| Nebraska | 4 | 6.183% | $5,077 | — |
| Iowa | 2 | 6.415% | $2,158 | — |
| Michigan | 2 | 5.938% | $5,044 | — |
| Oregon | 2 | 6.515% | $3,395 | — |
| Tennessee | 2 | 6.420% | $3,777 | — |
| Georgia | 1 | 6.540% | $15,295 | — |
| Kentucky | 1 | 6.990% | $3,267 | — |
| Massachusetts | 1 | 6.250% | $4,984 | — |
| Mississippi | 1 | 6.125% | $5,136 | — |
| Pennsylvania | 1 | 5.750% | $6,160 | — |
| Utah | 1 | 6.715% | $3,917 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,820 | 6.599% | — | 10 | −$1,816 | |
| 2 | $2,656 | 6.633% | — | 50 | −$980 | |
| 3 | $2,757 | 6.625% | — | 51 | −$879 | |
| 4 | $2,899 | 6.438% | — | 14 | −$737 | |
| 5 | $2,916 | 6.915% | — | 6 | −$720 | |
| 6 | $2,918 | 6.125% | — | 9 | −$718 | |
| 7 | $2,986 | 6.590% | — | 6 | −$650 | |
| 8 | $3,116 | 6.625% | — | 7 | −$520 | |
| 9 | $3,250 | 6.625% | — | 13 | −$386 | |
| 10 | $3,285 | 6.740% | — | 8 | −$351 | |
| 11 | $3,332 | 6.803% | — | 6 | −$304 | |
| 12 | $3,446 | 6.590% | — | 6 | −$190 | |
| 13 | $3,456 | 6.625% | — | 7 | −$180 | |
| 14 | $3,460 | 6.558% | — | 12 | −$176 | |
| 15 | $4,092 | 6.875% | — | 15 | +$456 | |
| 16 | $5,779 | 6.690% | — | 9 | +$2,143 | |
| 17 | $5,918 | 6.740% | — | 77 | +$2,282 | |
| 18 | $7,242 | 6.620% | — | 6 | +$3,606 | |
| 19 | $7,621 | 6.815% | — | 6 | +$3,985 | |
| 20 | $7,700 | 7.050% | — | 9 | +$4,064 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.