UMB Bank, National Association
2,686 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,686
- Median rate
- 5.990%
- Median lender fees
- $2,722
- Median loan amount
- $175,000
- Median spread over APOR
- -0.774
- Paid discount points
- 4.8%
- Received lender credits
- 3.9%
- Purchases / refinances
- 28.6% / 29.4%
- Conventional / FHA / VA
- 96.2% / 3% / 0.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 36.4% of loans here — see methodology.
Where UMB Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Missouri | 808 | $2,147 | 5.990% |
| Kansas | 496 | $2,364 | 5.990% |
| Colorado | 407 | $2,560 | 5.990% |
| Arizona | 328 | $5,280 | 5.990% |
| Illinois | 104 | — | 6.150% |
| Texas | 102 | $5,935 | 6.270% |
| New Mexico | 97 | — | 5.990% |
| Wisconsin | 83 | — | 5.990% |
| Iowa | 55 | — | 6.150% |
| California | 52 | — | 6.150% |