COMPLAINTRATE›INSTITUTIONS›UMB FINANCIAL CORPORATION

UMB FINANCIAL CORPORATION

BANK
Data last verified: May 2026 snapshot|21 federal data sources|Methodology ›
NOT YET RATED

Not Yet Rated — insufficient data for a confidence-scored complaint rate.

UMB FINANCIAL CORPORATION is tracked across 21 federal data sources but does not yet have a confidence-scored complaint rate in the current snapshot. A normalised rate requires a matched FDIC deposit denominator (or equivalent customer-count proxy) and sufficient complaint volume — this institution does not currently meet both criteria.

The complaint volume, enforcement record, and financial health indicators below reflect real federal data. Methodology expansion for non-depository institutions is rolling out in Q2 2026.

TOTAL COMPLAINTS
638
TIMELY RESPONSE
98.4%
RESOLUTION QUALITY
11/100
1 / 6 AGENCIES
Federal Consensus ScoreⓘNumber of the 6 tracked federal agencies (OCC, CFPB, Federal Reserve, FTC, DOJ, NCUA) that have independently flagged this institution with a formal enforcement action.
Limited data — not yet fully scored

638 federal complaints filed since 2011 · Data current as of May 2026

Notify me when scored

Email me when UMB FINANCIAL CORPORATION graduates to a full federal-data score.

0/200

By submitting, you agree to be emailed once when UMB FINANCIAL CORPORATION is fully scored. We do not sell or share your email. See /privacy.

Wondering what “fully scored” means? See the methodology →

Complaint Coach
File with CFPB
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS STATUS MEANS

No per-1,000-customer complaint rate is yet available for this institution.

The per-1,000-customer rate combines CFPB complaint volume with FDIC deposit data. Institutions that haven't surfaced in CFPB filings — or whose volume falls below the threshold for stable calculation — show as not yet rated. This is a data-coverage gap, not a verdict: unrated does not mean better or worse than rated peers.

→

Federal source records below show what's already available for this institution. A complaint rate is computed once filing volume crosses the threshold for stable per-1,000 calculation.

Most common words in federal complaints about UMB FINANCIAL CORPORATION
fundscheckbecausemoneyneverhsaclosedonlineonlyagain
Extracted from 272 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011.638
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.98.4%
Normalised complaint rate per 1,000 customers is not currently available for this institution. Methodology expansion for non-depository institutions rolling out Q2 2026.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$2M
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.00%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.0.0%↓ below regulatory minimum
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.00%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$4M
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Source: FFIEC HMDA data.9.8%
Denial rate — White applicants9.8%
Denial rate — Black applicants9.8%
Denial rate — Hispanic applicants9.8%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research.1.00×✓ near parity
Based on 1,127 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Managing an account3270%
Closing an account620%
Account opening, closing, or management590%
Breakdown of complaint types filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $4M
Institution Status
No DNA profile signals computed for this institution.
FULL DATA BREAKDOWN
TOTAL COMPLAINTS
638
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
98.4%
Threshold: 90%+
Source: CFPB →
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans.
0.00%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%.
0.0%
Regulatory min ≈ 10%
Source: FDIC Call Report →
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data.
9.8%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants.
1.00×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
11/100
Response quality score · CFPB
Source: CFPB →
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›