Community Reinvestment Act

If you have questions about the bank's CRA performance or would like a copy of the public file, please email CRA@umb.com. Please note that there is a cost to print and/or mail copies of the bank’s CRA public file.

UMB Bank, n.a., Headquartered at 1010 Grand Boulevard, Kansas City, Missouri

These files are made available to the public. Upon request, the bank can provide paper copies and in accordance with the regulation, may charge a reasonable fee for the cost of copying and mailing (if applicable). Files are required to be current as of April 1 of each year.

CRA Public Files

Assessment Area Maps

• UMB Bank Assessment Area Maps-All Regions

Branch Information

• Branches Opened and Closed
• Branches and Geographies
• UMB Bank Census Tracts

CRA Disclosure Statements

CRA Small Business and Small Farm lending data is available online for review. These data are available online in PDFs below or on the Federal Financial Institutions Examination Council's (FFIEC) website.

• UMB Bank, NA 2022 CRA Disclosure Statement
• UMB Bank, NA 2021 CRA Disclosure Statement 

HMDA Disclosure Statements

Home Mortgage Disclosure Act Notice The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's Web site.

• UMB Bank, NA 2023 HMDA Disclosure Statement 
• UMB Bank, NA 2022 HMDA Disclosure Statement
• UMB Bank, NA 2021 HMDA Disclosure Statement 

CRA Performance Evaluation

• UMB Bank, NA Performance Evaluation

Bank Products and Services

• Consumer Products
• Consumer Banking Solutions Guide
• Consumer Schedule of Service Fees and Charges
• Commercial and Business Products
• Business Checking Solutions Guide
• Business Schedule of Service Fees and Charges

Public Comments

• CRA Written Public Comments