Commerce Bank Mortgage Lending & HMDA Data, 2016
In 2016, Commerce Bank of Kansas City, MO reported 7,948 mortgage applications totaling $1.3 billion, up 22% from 2015. The average application was for $162,574, and applicants reported an average income of $116,285. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Kansas City, MO-KS (2,398), St. Louis, MO-IL (2,029) and Springfield, MO (431) (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 | 7,948 |
| Total Mortgage Loan Application Amount | $1,292,142,000 |
| Average Mortgage Loan Application Amount | $162,574 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $116,285 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Commerce Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 2,398 | $ 413,865,000 | $ 172,587 | $ 128,766 |
| St. Louis, MO-IL | 2,029 | $ 279,856,000 | $ 137,928 | $ 108,989 |
| Springfield, MO | 431 | $ 76,880,000 | $ 178,375 | $ 86,000 |
| St. Joseph, MO-KS | 295 | $ 32,652,000 | $ 110,684 | $ 90,816 |
| Wichita, KS | 267 | $ 34,049,000 | $ 127,524 | $ 97,000 |
| Columbia, MO | 232 | $ 42,356,000 | $ 182,568 | $ 123,000 |
| Denver-Aurora-Lakewood, CO | 219 | $ 66,929,000 | $ 305,611 | $ 124,000 |
| Peoria, IL | 157 | $ 20,061,000 | $ 127,777 | $ 116,000 |
| Bloomington, IL | 113 | $ 12,671,000 | $ 112,132 | $ 100,000 |
| Joplin, MO | 110 | $ 13,438,000 | $ 122,163 | $ 79,000 |
| Cape Girardeau, MO-IL | 107 | $ 15,336,000 | $ 143,327 | $ 91,457 |
| Tulsa, OK | 96 | $ 26,345,000 | $ 274,427 | $ 163,000 |
| Lawrence, KS | 91 | $ 12,948,000 | $ 142,285 | $ 107,000 |
| Manhattan, KS | 80 | $ 12,776,000 | $ 159,700 | $ 99,000 |
| Jefferson City, MO | 65 | $ 7,877,000 | $ 121,184 | $ 62,000 |
| Topeka, KS | 34 | $ 4,674,000 | $ 137,470 | $ 88,000 |
| Champaign-Urbana, IL | 20 | $ 13,301,000 | $ 665,050 | $ 66,000 |
| Chicago-Naperville-Arlington Heights, IL | 14 | $ 6,062,000 | $ 433,000 | $ 189,000 |
| Oklahoma City, OK | 10 | $ 2,828,000 | $ 282,800 | $ 155,000 |
| Colorado Springs, CO | 8 | $ 1,391,000 | $ 173,875 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 2,516,000 | $ 419,333 | $ 193,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 7,184,000 | $ 1,436,800 | $ 588,000 |
| Elgin, IL | 5 | $ 1,188,000 | $ 237,600 | $ 182,000 |
| Fort Collins, CO | 5 | $ 1,246,000 | $ 249,200 | $ 148,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,658,000 | $ 331,600 | $ 530,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 2,075,000 | $ 415,000 | $ 1,783,000 |
| Boulder, CO | 4 | $ 1,237,000 | $ 309,250 | $ 353,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,513,000 | $ 378,250 | $ 117,500 |
| Greeley, CO | 4 | $ 247,000 | $ 61,750 | $ 90,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,590,000 | $ 397,500 | $ 246,000 |
| Danville, IL | 3 | $ 57,000 | $ 19,000 | $ 23,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 4,710,000 | $ 1,570,000 | $ 3,699,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,936,000 | $ 645,333 | $ 203,000 |
| Punta Gorda, FL | 3 | $ 503,000 | $ 167,666 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 1,614,000 | $ 807,000 | $ 491,000 |
| Boston, MA | 2 | $ 800,000 | $ 400,000 | $ 812,000 |
| Bowling Green, KY | 2 | $ 12,010,000 | $ 6,005,000 | $ 166,000 |
| Dallas-Plano-Irving, TX | 2 | $ 678,000 | $ 339,000 | $ 89,000 |
| Fort Worth-Arlington, TX | 2 | $ 17,000 | $ 8,500 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 3,150,000 | $ 1,575,000 | $ 1,051,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,549,000 | $ 774,500 | $ 190,000 |
| Springfield, IL | 2 | $ 1,251,000 | $ 625,500 | $ 486,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,313,000 | $ 656,500 | $ 1,349,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 340,000 | $ 170,000 | $ 183,000 |
| Amarillo, TX | 1 | $ 164,000 | $ 164,000 | $ 256,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,876,000 | $ 1,876,000 | $ 1,052,000 |
| Ann Arbor, MI | 1 | $ 347,000 | $ 347,000 | $ 620,000 |
| Asheville, NC | 1 | $ 950,000 | $ 950,000 | $ 982,000 |
| Birmingham-Hoover, AL | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,675,000 | $ 1,675,000 | $ 1,285,000 |
| Carbondale-Marion, IL | 1 | $ 10,000 | $ 10,000 | $ 32,000 |
| Charleston-North Charleston, SC | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Corvallis, OR | 1 | $ 324,000 | $ 324,000 | $ 171,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 26,000 | $ 26,000 | $ 60,000 |
| Decatur, IL | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 284,000 | $ 284,000 | $ 125,000 |
| Jacksonville, FL | 1 | $ 540,000 | $ 540,000 | $ 1,359,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 417,000 | $ 417,000 | $ 440,000 |
| Kankakee, IL | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Lincoln, NE | 1 | $ 170,000 | $ 170,000 | $ 130,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 433,000 | $ 433,000 | $ 155,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 215,000 | $ 215,000 | $ 537,000 |
| Panama City, FL | 1 | $ 1,432,000 | $ 1,432,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 100,000 | $ 100,000 | $ 193,000 |
| Pittsburgh, PA | 1 | $ 360,000 | $ 360,000 | $ 1,500,000 |
| Providence-Warwick, RI-MA | 1 | $ 310,000 | $ 310,000 | $ 562,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 301,000 | $ 301,000 | $ 270,000 |
| San Antonio-New Braunfels, TX | 1 | $ 13,750,000 | $ 13,750,000 | $ 0 |
| Santa Fe, NM | 1 | $ 775,000 | $ 775,000 | $ 973,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,080,000 | $ 1,080,000 | $ 441,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Shreveport-Bossier City, LA | 1 | $ 175,000 | $ 175,000 | $ 591,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 392,000 | $ 392,000 | $ 979,000 |
| Springfield, MA | 1 | $ 300,000 | $ 300,000 | $ 263,000 |
| Tucson, AZ | 1 | $ 509,000 | $ 509,000 | $ 1,995,000 |
| Urban Honolulu, HI | 1 | $ 200,000 | $ 200,000 | $ 407,000 |
Mortgage Loan Application Detail Totals for Commerce Bank in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,746 | $699,435,000 | $186,000 | $14,000,000 | $121,000 | $7,979,000 |
| Home Purchase | 2,344 | $491,019,000 | $209,000 | $13,750,000 | $128,000 | $9,999,000 |
| Home Improvement | 1,858 | $101,688,000 | $54,000 | $1,913,000 | $92,000 | $1,848,000 |
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 | 5,841 | $867,950,000 | $148,000 | $2,400,000 | $119,000 | $7,979,000 |
| Not Provided | 954 | $160,239,000 | $167,000 | $2,560,000 | $170,000 | $9,999,000 |
| Not applicable | 442 | $182,044,000 | $411,000 | $14,000,000 | $0 | $0 |
| Black or African American | 310 | $26,550,000 | $85,000 | $540,000 | $71,000 | $1,359,000 |
| Hispanic | 185 | $19,652,000 | $106,000 | $627,000 | $108,000 | $3,757,000 |
| Asian | 149 | $28,092,000 | $188,000 | $984,000 | $112,000 | $790,000 |
| American Indian or Alaskan Native | 49 | $5,827,000 | $118,000 | $833,000 | $97,000 | $840,000 |
| Native Hawaiin or Other Pacific Islander | 18 | $1,788,000 | $99,000 | $277,000 | $103,000 | $239,000 |
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) | 7,117 | $1,171,559,000 | $164,000 | $14,000,000 | $122,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 571 | $78,767,000 | $137,000 | $322,000 | $64,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 259 | $41,612,000 | $160,000 | $395,000 | $68,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $204,000 | $204,000 | $204,000 | $82,000 | $82,000 |
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 | 4,800 | $897,889,000 | $187,000 | $14,000,000 | $129,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,641 | $135,052,000 | $82,000 | $1,660,000 | $85,000 | $7,979,000 |
| Application Withdrawn By Applicant | 1,089 | $195,802,000 | $179,000 | $2,400,000 | $114,000 | $2,400,000 |
| File Closed For Incompleteness | 299 | $49,548,000 | $165,000 | $833,000 | $96,000 | $1,739,000 |
| Application Approved But Not Accepted | 119 | $13,851,000 | $116,000 | $1,250,000 | $96,000 | $1,022,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank's 2016 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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