Community Reinvestment Act

CRA Public Files 

These files are made available to the public and required to be current as of April 1 of each year.  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

Assessment Area Maps

• UMB Bank Assessment Area Maps-All Regions

Branch Information

• Branches Opened and Closed
• Branches Opened and Closed for acquired institution, Heartland Financial USA, Inc.
• Branches and Geographies
• Branches and Geographies for acquired institution, Heartland Financial USA, Inc.
• 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 2023 CRA Disclosure Statement
• UMB Bank, NA 2022 CRA Disclosure Statement
• CRA Disclosure Statements for acquired institution, Heartland Financial USA, Inc. 

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
• HMDA Disclosure Statements for acquired institution, Heartland Financial USA, Inc. 

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
• Products, Services, and Fees for acquired institution, Heartland Financial USA, Inc.

Public Comments

• CRA Written Public Comments

   

Community Benefits Plan

In partnership with the National Community Reinvestment Coalition (NCRC) the Community Benefits Plan was developed in conjunction with UMB’s acquisition of Heartland Financial USA, Inc. (Heartland Financial) and will be in effect from 2026 through 2030.

• Community Benefits Plan