Home Equity Line of Credit Application

Apply offline?

If you would rather apply offline, download and print the application (.pdf).

You can bring your completed application to any UMB banking center. Please bring supporting documentation as specified in the application overview.

How did you hear about us?


Required fields are marked *. This form is secure: Your submission, and its contents, are encrypted.

We will contact you within one business day with a loan decision and/or next steps necessary to complete the transaction.

Joint or individual

*Are you applying individually or jointly?

(Please complete the Borrower section only.)
( Please complete the Borrower and Co-Borrower sections to the extent possible.)
(Please complete the Borrower and Co-borrower sections.)

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individuals and businesses) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.

Amount and purpose    

* $.00   (Amount must be $10,000 or more)
*What is the purpose of your loan?
    *(please specify: )

About your property

1UMB accepts applications from and serves customers in Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. We regret that we cannot accept applications from other states.
*1, *   ,
* E.g., a single-family home is 1 unit.
* E.g. 1992
E.g. 1976
* $
* $ E.g. fair market value or recent appraisal
* $


  Borrower Co-borrower
*Date of birth: (e.g. 03/15/1970) (e.g. 03/15/1970)
*Social Security number:
(e.g. 123-45-6789)
(e.g. 123-45-6789)
*Marital status:

Contact information
*Preferred phone:
(format is xxx-xxx-xxxx)
   (format is xxx-xxx-xxxx)
Current mailing address
*, *  ,  ,
*Own or rent:

*Self employed?

*Years employed: 3

2 If you or your co-borrower is self employed, UMB requires tax returns for the previous two years. We will contact you to get this information.

Previous Employment

3 If you (borrower) have been employed in your current position less than two years, please fill out the following:


Monthly income

You and/or co-borrower can choose not to reveal alimony, child-support, or separate-maintenance income if you do not want that income to be considered as a basis for repaying your loan. If you do want us to consider it, please list it as Other, below.

Type of income Borrower/month Co-borrower/month Total/month
Base employment income $ $ $
Other: $ $ $
*Total $ $ $

Monthly housing expense

If you are applying jointly, please combine your expenses and enter your totals.

$ /mo
$ /mo
* $ /mo

E-sign Agreement

Please review the following agreements and documents. You must select I Consent to accept the related disclosures electronically and submit your application online.

Review and Accept Documents

Before submitting your online application, you will need to review the documents below and print them, if you wish, for your records:

a.       Disclosure Information

b.       When Your Home is on the Line 

c.       Privacy Statement for Individuals from UMB Financial Corporation

Hardware and Software

To receive the related disclosures and submit your application electronically, you will need a personal computer and the ability to download and print. Your computer must have either Windows® version 95 or later or Macintosh version OS 9 or later for an operating system, and Internet Explorer 5.5 or higher, Netscape 6.2 or higher or Safari 1.09 (for OS X only).

All of the documents and forms required to apply online are available to view and print using Acrobat Reader (for .pdf files). If you do not have Acrobat Reader, you can download it now. ‡

‡ When you click this link, you will leave UMB’s Web site and will go to a Web site that is not controlled by or affiliated with UMB. We have provided this link for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other Web sites may not follow the same privacy policies and security procedures that UMB does so please review their policies and procedures carefully.

Mailed Forms

Current versions of these documents will continue to be available on this Web site. If you prefer to receive these forms through the mail, call UMB Bank, Monday through Friday from 7 a.m. to 6:30 p.m. (CST) and Saturday from 8 a.m. to 5 p.m. (CST) at 888.HELOC.UMB. There is no charge to have these documents mailed to you.

Consent to Receive Documents Electronically

Your consent to receive these documents electronically applies only to the documents identified above. This consent does not apply to your receiving ongoing communications from UMB Bank, related to your online application, such as periodic statements or other notices. If you want to withdraw your consent to receive these forms electronically, click I Do Not Consent below. You will be given a toll-free number to request the documents be mailed to you. You are under no obligation to receive the documents electronically or to pay a fee to receive the documents in paper form.

You may print this E-sign Agreement (.pdf) for your records.


Submit your application:

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