UMB Bank, National Association
UMB Financial Corporation is a comprehensive financial services provider operating across eight states with commercial banking, personal banking, and institutional banking divisions. The institution delivers comprehensive banking services and asset management with a focus on customized solutions and community commitment. Bank deposit products are Member FDIC insured.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (37 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
UMB Bank, National Association ranks #64 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of UMB Bank, National Association’s 7(a) acquisition lending falls in the $0-$500K range: 14 loans, 37.8% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 14 | 37.8% | |
| $500K-$1M | 13 | 35.1% | |
| $1M-$2M | 5 | 13.5% | |
| $2M-$3M | 2 | 5.4% | |
| $3M-$4M | 1 | 2.7% | |
| $4M-$5M | 2 | 5.4% |
Industries with highest loan volume
Offices of Dentists
4
loans
$596K
avg. amount
Department Stores
2
loans
$355K
avg. amount
Limited-Service Restaurants
2
loans
$684K
avg. amount
General Automotive Repair
2
loans
$2.2M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$1.7M
avg. amount
Painting and Wall Covering Contractors
2
loans
$605K
avg. amount
Offices of Certified Public Accountants
2
loans
$1.6M
avg. amount
Residential Property Managers
2
loans
$793K
avg. amount
All Other Specialty Trade Contractors
1
loans
$761K
avg. amount
Furniture Retailers
1
loans
$890K
avg. amount
10-Year
0.9%
Percentile Ranking
84th
84th percentile
UMB Bank, National Association’s median variable rate is + 0.50%, against a market median of Prime + 1.88%, 138 below market.
It priced below the market median in every one of the last 6 quarters. 8 of the 37 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 0.83% |
| $500K-$1M | Prime + 0.38% |
| $1M-$2M | Prime + 0.17% |
| $2M-$3M | Prime + 1.00% |
| $3M-$4M | Prime + 0.13% |
| $4M-$5M | Prime + 0.75% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '18 | Prime + 0.66% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 5 |
| Q1 '19 | Prime + 0.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q1 '20 | Prime + 1.00% | Prime + 2.00% | Prime + 1.40% – Prime + 2.50% | 3 |
| Q2 '21 | Prime + 1.55% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q4 '25 | Prime + 0.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 3 |
| Q1 '26 | Prime + 0.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
UMB Bank, National Association has originated 7(a) acquisition loans in 9 states, most actively in Utah (8), Arizona (7) and Missouri (7). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Utah | 8 | 21.6% |
| Arizona | 7 | 18.9% |
| Missouri | 7 | 18.9% |
| Texas | 4 | 10.8% |
| Colorado | 4 | 10.8% |
| Kansas | 3 | 8.1% |
| California | 2 | 5.4% |
| New Mexico | 1 | 2.7% |
| Indiana | 1 | 2.7% |
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