Purchase Originations
479
Median Total Costs
$3,710
−44.5% vs national ($6,680)
↑ $74 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.134% vs prior year
Median Origination
$1,140
Median Lender Credits
$146
Denial Rate
7.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 411 | 6.540% | $3,320 | $1,140 |
| fha | 50 | 6.124% | $9,052 | $1,140 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 145 | 6.440% | $3,112 | #71 |
| Kansas | 92 | 6.490% | $2,743 | #69 |
| Arizona | 77 | 6.515% | $6,278 | #118 |
| Colorado | 51 | 6.590% | $3,170 | #152 |
| Texas | 39 | 6.500% | $6,426 | — |
| Illinois | 13 | 6.624% | $3,000 | — |
| Iowa | 12 | 6.412% | $2,324 | — |
| Wisconsin | 8 | 6.270% | $3,866 | — |
| Florida | 7 | 6.000% | $6,748 | — |
| California | 6 | 6.420% | $6,119 | — |
| Oklahoma | 6 | 6.633% | $4,993 | — |
| Minnesota | 4 | 6.790% | $3,940 | — |
| North Carolina | 3 | 5.990% | $5,722 | — |
| New Mexico | 3 | 6.150% | $2,172 | — |
| Nevada | 3 | 6.750% | $3,298 | — |
| Pennsylvania | 2 | 6.870% | $6,068 | — |
| Tennessee | 2 | 6.495% | $4,052 | — |
| Utah | 2 | 6.165% | $3,406 | — |
| Arkansas | 1 | 6.250% | $4,773 | — |
| Massachusetts | 1 | 5.940% | $9,258 | — |
| Nebraska | 1 | 6.615% | $3,130 | — |
| Virginia | 1 | 6.340% | $3,316 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,176 | 6.590% | — | 5 | −$1,534 | |
| 2 | $2,232 | 6.375% | — | 9 | −$1,478 | |
| 3 | $2,253 | 6.500% | — | 7 | −$1,457 | |
| 4 | $2,278 | 6.365% | — | 5 | −$1,432 | |
| 5 | $2,491 | 6.495% | — | 54 | −$1,219 | |
| 6 | $2,841 | 6.408% | — | 14 | −$869 | |
| 7 | $3,014 | 6.375% | — | 39 | −$696 | |
| 8 | $3,020 | 6.440% | — | 5 | −$690 | |
| 9 | $3,036 | 6.565% | — | 19 | −$674 | |
| 10 | $3,058 | 6.607% | — | 10 | −$652 | |
| 11 | $3,250 | 6.490% | — | 5 | −$460 | |
| 12 | $3,305 | 6.644% | — | 6 | −$405 | |
| 13 | $3,535 | 6.308% | — | 8 | −$175 | |
| 14 | $3,546 | 6.250% | — | 7 | −$164 | |
| 15 | $3,837 | 6.390% | — | 5 | +$127 | |
| 16 | $3,991 | 6.308% | — | 14 | +$281 | |
| 17 | $5,805 | 6.625% | — | 5 | +$2,095 | |
| 18 | $6,278 | 6.500% | — | 67 | +$2,568 | |
| 19 | $6,878 | 6.250% | — | 7 | +$3,168 | |
| 20 | $9,545 | 6.590% | — | 11 | +$5,835 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | UMB Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $3,710 | $7,127 | −$3,417 (−47.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.