Lenders › UMB Bank, National Association
7(a) lenderKansas City, MissouriFDIC-insured bank107th of 2,184 by approvals
UMB Bank, National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
UMB Bank, National Association, based in Kansas City, Missouri, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 350 of its 7(a) loans worth $212M in FY2021 to FY2025, which places it 107th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 87 approvals totalling $51.6M, down 9% on FY2024 (96). FY2026 to 30 Jun 2026 adds 31 more.
The median approval was $356K, against $190K for the 7(a) program as a whole; 30.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 18 states and territories and 86 counties, led by Missouri (19.4%), Colorado (16.6%) and Arizona (14.3%). The largest industry group was health care and social assistance at 18.3% of approvals, and 10.3% of approvals were to franchise businesses.
Of 2,398 disbursed loans approved in FY2010 to FY2021, SBA records 131 as charged off (5.5%), 2,089 as paid in full and 178 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 31 | $25.0M | $350K | $808K | 421 |
| FY2025 | 87 | $51.6M | $335K | $594K | 1,084 |
| FY2024 | 96 | $52.9M | $308K | $551K | 1,486 |
| FY2023 | 45 | $27.0M | $363K | $600K | 430 |
| FY2022 | 48 | $29.8M | $365K | $620K | 798 |
| FY2021 | 74 | $50.7M | $450K | $685K | 1,178 |
| FY2020 | 86 | $51.0M | $348K | $593K | 1,719 |
| FY2019 | 96 | $56.6M | $256K | $590K | 2,018 |
| FY2018 | 106 | $51.4M | $200K | $485K | 1,232 |
| FY2017 | 167 | $73.6M | $175K | $441K | 2,986 |
| FY2016 | 255 | $98.9M | $204K | $388K | 3,142 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 710 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,684 | 11,816 | 639,905 |
| Cancelled or never disbursed | 286 | 1,369 | 79,313 |
| Disbursed loans | 2,398 | 10,447 | 560,592 |
| Paid in full | 2,089 | 8,078 | 435,813 |
| Charged off | 131 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 178 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 5.5% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.8% | 3.6% | 2.5% |
| Dollars charged off | $39.2M | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 71 | 24 | 1 | 1.4% | 2.8% |
| FY2020 | 76 | 51 | 1 | 1.3% | 4.0% |
| FY2019 | 86 | 69 | 2 | 2.3% | 6.7% |
| FY2018 | 95 | 76 | 1 | 1.1% | 7.9% |
| FY2017 | 144 | 123 | 5 | 3.5% | 7.7% |
| FY2016 | 232 | 197 | 19 | 8.2% | 7.2% |
| FY2015 | 303 | 283 | 9 | 3.0% | 6.9% |
| FY2014 | 269 | 252 | 12 | 4.5% | 6.4% |
| FY2013 | 266 | 239 | 19 | 7.1% | 6.0% |
| FY2012 | 284 | 258 | 17 | 6.0% | 6.3% |
| FY2011 | 310 | 281 | 23 | 7.4% | 6.9% |
| FY2010 | 262 | 236 | 22 | 8.4% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $356K | $190K |
| Average approval | $606K | $518K |
| Approvals of $150,000 or less | 30.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 33.1% | 34.3% |
| Approvals to franchise businesses | 10.3% | 11.5% |
| Jobs supported per approval, as reported | 14.2 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.5% | 6.6% |
States served
| # | State of the business (18 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 68 | $35.5M | 19.4% | |
| 2 | Colorado | 58 | $33.7M | 16.6% | |
| 3 | Arizona | 50 | $36.9M | 14.3% | |
| 4 | Kansas | 50 | $27.2M | 14.3% | |
| 5 | Texas | 37 | $22.2M | 10.6% | |
| 6 | Utah | 31 | $18.7M | 8.9% | |
| 7 | New Mexico | 13 | $5.2M | 3.7% | |
| 8 | Illinois | 10 | $7.7M | 2.9% | |
| 9 | Minnesota | 9 | $5.1M | 2.6% | |
| 10 | Wisconsin | 7 | $13.4M | 2.0% | |
| 11 | Iowa | 6 | $2.1M | 1.7% | |
| 12 | California | 4 | $1.3M | 1.1% |
In Missouri the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (86 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 48 | $36.1M | 13.7% | |
| 2 | Johnson County, KS | 35 | $17.9M | 10.0% | |
| 3 | Jackson County, MO | 34 | $20.1M | 9.7% | |
| 4 | Salt Lake County, UT | 20 | $11.5M | 5.7% | |
| 5 | Denver County, CO | 14 | $7.2M | 4.0% | |
| 6 | Dallas County, TX | 10 | $3.4M | 2.9% | |
| 7 | Clay County, MO | 10 | $1.5M | 2.9% | |
| 8 | Jefferson County, CO | 9 | $5.8M | 2.6% | |
| 9 | Bernalillo County, NM | 8 | $4.3M | 2.3% | |
| 10 | Boulder County, CO | 8 | $3.9M | 2.3% | |
| 11 | Collin County, TX | 7 | $6.2M | 2.0% | |
| 12 | El Paso County, CO | 6 | $2.2M | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 64 | 18.3% | |
| 2 | Construction | 56 | 16.0% | |
| 3 | Accommodation and Food Services | 42 | 12.0% | |
| 4 | Professional, Scientific, and Technical Services | 29 | 8.3% | |
| 5 | Other Services (except Public Administration) | 29 | 8.3% | |
| 6 | Retail Trade | 28 | 8.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 24 | 6.9% | |
| 8 | Manufacturing | 21 | 6.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 39 | 11.1% | |
| 2 | Offices of DentistsNAICS 6212 | 33 | 9.4% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 20 | 5.7% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 15 | 4.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 13 | 3.7% | |
| 6 | Nonresidential Building ConstructionNAICS 2362 | 13 | 3.7% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 3.4% | |
| 8 | Offices of PhysiciansNAICS 6211 | 12 | 3.4% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 11 | 3.1% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 3.1% |
Approval sizes
- $50,000 or less10.6%37
- $50,001 to $150,00020.0%70
- $150,001 to $350,00019.4%68
- $350,001 to $1 million36.0%126
- $1 million to $2 million8.3%29
- Over $2 million5.7%20
Loan terms
- 5 years or less23.7%83
- Over 5 to 10 years50.6%177
- Over 10 to 20 years5.1%18
- Over 20 years20.6%72
Age of the businesses
- Existing, more than 2 years old46.3%162
- New business, 2 years or less14.9%52
- Startup, loan funds will open the business18.3%64
- Change of ownership20.6%72
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 219 | 62.6% | |
| 2 | SBA Express Program | 105 | 30.0% | |
| 3 | 7a General | 17 | 4.9% | |
| 4 | Working Capital CAPLine | 5 | 1.4% | |
| 5 | Preferred Lenders with WCP | 2 | 0.6% | |
| 6 | Contract CAPLine | 1 | 0.3% |
Franchise share
36 of 350 approvals in FY2021–FY2025 (10.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Goodcents | 4 | 1.1% | |
| 2 | Dunkin' | 3 | 0.9% | |
| 3 | Summer Moon Coffee Shop | 3 | 0.9% | |
| 4 | WaveMAX Laundry | 2 | 0.6% | |
| 5 | CertaPro Painters | 2 | 0.6% | |
| 6 | City Wide | 2 | 0.6% | |
| 7 | Nothing Bundt Cakes | 2 | 0.6% | |
| 8 | Bio-One | 2 | 0.6% |
Questions and answers
How many SBA loans does UMB Bank, National Association make?
SBA approved 87 7(a) loans through UMB Bank, National Association in FY2025, worth $51.6M, and 350 over FY2021 to FY2025. That ranks 107th of 2,184 active 7(a) lenders by number of approvals.
How large are UMB Bank, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $356K and the average $606K. The program-wide median was $190K.
What is UMB Bank, National Association's charge-off rate?
Of 2,398 disbursed loans approved in FY2010 to FY2021, SBA records 131 as charged off (5.5%), 2,089 as paid in full and 178 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does UMB Bank, National Association lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (39); offices of dentists (33); services to buildings and dwellings (20); building equipment contractors (15).
Where does UMB Bank, National Association make SBA loans?
In 18 states and territories. Missouri 68, Colorado 58, Arizona 50, Kansas 50, Texas 37. In Missouri it accounts for 1.3% of all 7(a) approvals.
Is UMB Bank, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 228, against 208 in the three before: rising (+10%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error