Commerce Bank Mortgage Lending & HMDA Data, 2025
In 2025, Commerce Bank of Kansas City, MO reported 7,330 mortgage applications totaling $1.3 billion, down 9% from 2024. The average application was for $170,669, and applicants reported an average income of $146,322. 52% of its applications resulted in an originated loan and 26% were denied. Its largest markets were St. Louis, MO-IL (2,244), Kansas City, MO-KS (2,220) and Springfield, MO (430) (applications in parentheses).
| Mortgage Company & Address | Commerce Bank 922 Walnut, Tb 12-1 Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 7,330 |
| Total Mortgage Loan Application Amount | $1,251,010,000 |
| Average Mortgage Loan Application Amount | $170,669 |
| Highest Mortgage Loan Application Amount | $6,405,000 |
| Average Applicant Income | $146,322 |
| Highest Applicant Income | $7,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commerce Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 2,244 | $ 269,510,000 | $ 120,102 | $ 128,023 |
| Kansas City, MO-KS | 2,220 | $ 341,150,000 | $ 153,671 | $ 148,537 |
| Outside any metro area | 678 | $ 135,750,000 | $ 200,221 | $ 153,758 |
| Springfield, MO | 430 | $ 52,760,000 | $ 122,697 | $ 101,000 |
| Wichita, KS | 245 | $ 31,415,000 | $ 128,224 | $ 123,000 |
| Denver-Aurora-Lakewood, CO | 218 | $ 113,760,000 | $ 521,834 | $ 245,000 |
| St. Joseph, MO-KS | 182 | $ 18,940,000 | $ 104,065 | $ 100,835 |
| Columbia, MO | 140 | $ 19,390,000 | $ 138,500 | $ 128,000 |
| Peoria, IL | 133 | $ 9,265,000 | $ 69,661 | $ 82,000 |
| Joplin, MO | 114 | $ 11,230,000 | $ 98,508 | $ 97,333 |
| Bloomington, IL | 108 | $ 9,320,000 | $ 86,296 | $ 113,000 |
| Lawrence, KS | 81 | $ 11,165,000 | $ 137,839 | $ 120,000 |
| Jefferson City, MO | 76 | $ 11,410,000 | $ 150,131 | $ 113,000 |
| Tulsa, OK | 62 | $ 13,150,000 | $ 212,096 | $ 160,000 |
| Cape Girardeau, MO-IL | 55 | $ 5,185,000 | $ 94,272 | $ 105,181 |
| Manhattan, KS | 40 | $ 6,060,000 | $ 151,500 | $ 149,000 |
| Chicago-Naperville, IL | 25 | $ 8,105,000 | $ 324,200 | $ 290,000 |
| Houston-The Woodlands-Sugar Land, TX | 24 | $ 14,730,000 | $ 613,750 | $ 233,000 |
| Topeka, KS | 18 | $ 2,600,000 | $ 144,444 | $ 115,000 |
| Oklahoma City, OK | 14 | $ 3,440,000 | $ 245,714 | $ 183,000 |
| Colorado Springs, CO | 12 | $ 5,130,000 | $ 427,500 | $ 161,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 11,250,000 | $ 937,500 | $ 544,000 |
| Champaign-Urbana, IL | 8 | $ 1,610,000 | $ 201,250 | $ 262,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 4,560,000 | $ 570,000 | $ 642,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 5,445,000 | $ 777,857 | $ 908,000 |
| Dallas-Plano-Irving, TX | 7 | $ 7,775,000 | $ 1,110,714 | $ 589,000 |
| Fort Collins, CO | 6 | $ 4,550,000 | $ 758,333 | $ 445,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 3,345,000 | $ 669,000 | $ 888,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 4,855,000 | $ 971,000 | $ 407,000 |
| Austin-Round Rock, TX | 4 | $ 1,820,000 | $ 455,000 | $ 301,000 |
| Boulder, CO | 4 | $ 2,210,000 | $ 552,500 | $ 175,000 |
| Elgin, IL | 4 | $ 460,000 | $ 115,000 | $ 127,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 4,070,000 | $ 1,017,500 | $ 430,000 |
| Charleston-North Charleston, SC | 3 | $ 1,465,000 | $ 488,333 | $ 227,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 2,435,000 | $ 811,666 | $ 782,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 8,965,000 | $ 2,988,333 | $ 2,790,000 |
| Greeley, CO | 3 | $ 2,005,000 | $ 668,333 | $ 311,000 |
| Jacksonville, FL | 3 | $ 1,095,000 | $ 365,000 | $ 150,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 4,125,000 | $ 1,375,000 | $ 765,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 905,000 | $ 301,666 | $ 87,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 9,315,000 | $ 3,105,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 2,225,000 | $ 741,666 | $ 180,000 |
| Tucson, AZ | 3 | $ 1,375,000 | $ 458,333 | $ 335,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,475,000 | $ 491,666 | $ 186,000 |
| Birmingham-Hoover, AL | 2 | $ 1,600,000 | $ 800,000 | $ 497,000 |
| Boise City, ID | 2 | $ 630,000 | $ 315,000 | $ 95,000 |
| Bozeman, MT | 2 | $ 870,000 | $ 435,000 | $ 81,000 |
| Camden, NJ | 2 | $ 1,590,000 | $ 795,000 | $ 567,000 |
| Cincinnati, OH-KY-IN | 2 | $ 910,000 | $ 455,000 | $ 167,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 2,650,000 | $ 1,325,000 | $ 437,000 |
| Des Moines-West Des Moines, IA | 2 | $ 810,000 | $ 405,000 | $ 200,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,500,000 | $ 750,000 | $ 326,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 830,000 | $ 415,000 | $ 193,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 440,000 | $ 220,000 | $ 265,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 730,000 | $ 365,000 | $ 56,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 2,440,000 | $ 1,220,000 | $ 1,362,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 3,470,000 | $ 1,735,000 | $ 352,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 620,000 | $ 310,000 | $ 168,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 1,970,000 | $ 985,000 | $ 455,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,300,000 | $ 1,150,000 | $ 323,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 680,000 | $ 340,000 | $ 102,000 |
| Pittsburgh, PA | 2 | $ 300,000 | $ 150,000 | $ 45,000 |
| Pueblo, CO | 2 | $ 150,000 | $ 75,000 | $ 200,000 |
| Punta Gorda, FL | 2 | $ 3,030,000 | $ 1,515,000 | $ 1,261,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,500,000 | $ 750,000 | $ 217,000 |
| San Diego-Carlsbad, CA | 2 | $ 3,990,000 | $ 1,995,000 | $ 497,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 510,000 | $ 255,000 | $ 368,000 |
| Stockton-Lodi, CA | 2 | $ 1,540,000 | $ 770,000 | $ 276,000 |
| Tampa, FL | 2 | $ 1,270,000 | $ 635,000 | $ 451,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 235,000 | $ 235,000 | $ 194,000 |
| Ames, IA | 1 | $ 215,000 | $ 215,000 | $ 112,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 405,000 | $ 405,000 | $ 1,187,000 |
| Ann Arbor, MI | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 755,000 | $ 755,000 | $ 272,000 |
| Athens-Clarke County, GA | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Bangor, ME | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Boston, MA | 1 | $ 545,000 | $ 545,000 | $ 117,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 415,000 | $ 415,000 | $ 255,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 655,000 | $ 655,000 | $ 166,000 |
| Canton-Massillon, OH | 1 | $ 105,000 | $ 105,000 | $ 118,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 2,505,000 | $ 2,505,000 | $ 1,230,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 925,000 | $ 925,000 | $ 2,381,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| El Paso, TX | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Eugene, OR | 1 | $ 695,000 | $ 695,000 | $ 240,000 |
| Fort Smith, AR-OK | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Fresno, CA | 1 | $ 755,000 | $ 755,000 | $ 377,000 |
| Grand Junction, CO | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 158,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 195,000 | $ 195,000 | $ 262,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 345,000 | $ 345,000 | $ 36,000 |
| Idaho Falls, ID | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Jackson, TN | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 1,205,000 | $ 1,205,000 | $ 357,000 |
| Lancaster, PA | 1 | $ 415,000 | $ 415,000 | $ 229,000 |
| Las Cruces, NM | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Lawton, OK | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Lebanon, PA | 1 | $ 355,000 | $ 355,000 | $ 164,000 |
| Madison, WI | 1 | $ 455,000 | $ 455,000 | $ 292,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 255,000 | $ 255,000 | $ 158,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 435,000 | $ 435,000 | $ 165,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
| Oshkosh-Neenah, WI | 1 | $ 525,000 | $ 525,000 | $ 400,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Philadelphia, PA | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| Portland-South Portland, ME | 1 | $ 505,000 | $ 505,000 | $ 1,177,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 915,000 | $ 915,000 | $ 593,000 |
| Rapid City, SD | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| Reading, PA | 1 | $ 385,000 | $ 385,000 | $ 85,000 |
| Reno, NV | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Rochester, NY | 1 | $ 1,325,000 | $ 1,325,000 | $ 603,000 |
| Rockingham County-Strafford County, NH | 1 | $ 505,000 | $ 505,000 | $ 350,000 |
| Salinas, CA | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 1,205,000 | $ 1,205,000 | $ 3,677,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 755,000 | $ 755,000 | $ 320,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 785,000 | $ 785,000 | $ 1,135,000 |
| Springfield, IL | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Tacoma-Lakewood, WA | 1 | $ 785,000 | $ 785,000 | $ 225,000 |
| Waco, TX | 1 | $ 285,000 | $ 285,000 | $ 978,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 399,000 |
Mortgage Loan Application Detail Totals for Commerce Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 2,101 | $155,295,000 | $73,000 | $1,305,000 | $128,000 | $2,381,000 |
| Home Purchase | 1,709 | $618,305,000 | $361,000 | $5,345,000 | $191,000 | $3,948,000 |
| Other Purpose | 1,685 | $164,585,000 | $97,000 | $6,005,000 | $124,000 | $4,170,000 |
| Refinancing | 1,569 | $227,535,000 | $145,000 | $3,755,000 | $143,000 | $2,145,000 |
| Cash-out Refinancing | 266 | $85,290,000 | $320,000 | $6,405,000 | $165,000 | $7,000,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,702 | $945,850,000 | $165,000 | $6,005,000 | $149,000 | $4,170,000 |
| Black or African American | 500 | $40,900,000 | $81,000 | $1,005,000 | $79,000 | $3,847,000 |
| Not Provided | 491 | $120,085,000 | $244,000 | $5,345,000 | $178,000 | $3,677,000 |
| Hispanic | 311 | $62,215,000 | $200,000 | $6,405,000 | $150,000 | $7,000,000 |
| Asian | 147 | $32,045,000 | $217,000 | $1,955,000 | $163,000 | $1,693,000 |
| Not applicable | 91 | $38,825,000 | $426,000 | $3,205,000 | $0 | $0 |
| American Indian or Alaskan Native | 81 | $10,535,000 | $130,000 | $1,005,000 | $97,000 | $454,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $240,000 | $40,000 | $85,000 | $135,000 | $176,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7,047 | $1,191,285,000 | $169,000 | $6,405,000 | $148,000 | $7,000,000 |
| FHA-insured (Federal Housing Administration) | 223 | $41,015,000 | $183,000 | $825,000 | $81,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 46 | $16,440,000 | $357,000 | $1,425,000 | $144,000 | $1,012,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,270,000 | $162,000 | $255,000 | $73,000 | $112,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,789 | $760,795,000 | $200,000 | $6,005,000 | $170,000 | $4,170,000 |
| Application Denied By Financial Institution | 1,923 | $186,145,000 | $96,000 | $3,255,000 | $91,000 | $1,693,000 |
| Application Withdrawn By Applicant | 918 | $213,930,000 | $233,000 | $5,005,000 | $166,000 | $3,948,000 |
| File Closed For Incompleteness | 628 | $76,400,000 | $121,000 | $6,405,000 | $142,000 | $7,000,000 |
| Application Approved But Not Accepted | 72 | $13,740,000 | $190,000 | $3,755,000 | $148,000 | $891,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,407 | $1,064,865,000 | $196,000 | $6,405,000 | $166,000 | $7,000,000 |
| Debt-To-Income Ratio | 958 | $109,810,000 | $114,000 | $3,255,000 | $68,000 | $615,000 |
| Other | 626 | $45,390,000 | $72,000 | $1,445,000 | $113,000 | $1,693,000 |
| Collateral | 169 | $19,045,000 | $112,000 | $1,505,000 | $137,000 | $850,000 |
| Credit History | 149 | $9,485,000 | $63,000 | $485,000 | $89,000 | $700,000 |
| Unverifiable Information | 12 | $1,560,000 | $130,000 | $245,000 | $64,000 | $201,000 |
| Employment History | 9 | $855,000 | $95,000 | $145,000 | $72,000 | $445,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Commerce Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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