Commerce Bank Mortgage Lending & HMDA Data, 2019
In 2019, Commerce Bank of Kansas City, MO reported 10,914 mortgage applications totaling $1.9 billion, up 2% from 2018. The average application was for $175,603, and applicants reported an average income of $140,740. 58% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Kansas City, MO-KS (3,254), St. Louis, MO-IL (3,039) and Springfield, MO (619) (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 | 10,914 |
| Total Mortgage Loan Application Amount | $1,916,540,000 |
| Average Mortgage Loan Application Amount | $175,603 |
| Highest Mortgage Loan Application Amount | $5,905,000 |
| Average Applicant Income | $140,740 |
| Highest Applicant Income | $8,500,000 |
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Act (HMDA) records Commerce Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,254 | $ 522,250,000 | $ 160,494 | $ 144,728 |
| St. Louis, MO-IL | 3,039 | $ 411,565,000 | $ 135,427 | $ 125,553 |
| Outside any metro area | 1,082 | $ 156,380,000 | $ 144,528 | $ 117,682 |
| Springfield, MO | 619 | $ 68,075,000 | $ 109,975 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 490 | $ 222,330,000 | $ 453,734 | $ 206,000 |
| Wichita, KS | 390 | $ 65,060,000 | $ 166,820 | $ 133,000 |
| St. Joseph, MO-KS | 317 | $ 34,205,000 | $ 107,902 | $ 88,167 |
| Columbia, MO | 251 | $ 42,275,000 | $ 168,426 | $ 123,000 |
| Peoria, IL | 215 | $ 17,475,000 | $ 81,279 | $ 95,000 |
| Bloomington, IL | 129 | $ 19,575,000 | $ 151,744 | $ 151,000 |
| Cape Girardeau, MO-IL | 124 | $ 15,590,000 | $ 125,725 | $ 126,274 |
| Lawrence, KS | 102 | $ 17,440,000 | $ 170,980 | $ 138,000 |
| Joplin, MO | 98 | $ 12,860,000 | $ 131,224 | $ 85,000 |
| Tulsa, OK | 92 | $ 25,530,000 | $ 277,500 | $ 192,000 |
| Jefferson City, MO | 82 | $ 8,770,000 | $ 106,951 | $ 73,000 |
| Dallas-Plano-Irving, TX | 75 | $ 44,295,000 | $ 590,600 | $ 269,000 |
| Manhattan, KS | 72 | $ 11,910,000 | $ 165,416 | $ 190,000 |
| Houston-The Woodlands-Sugar Land, TX | 60 | $ 35,600,000 | $ 593,333 | $ 259,000 |
| Colorado Springs, CO | 36 | $ 14,100,000 | $ 391,666 | $ 147,000 |
| Austin-Round Rock, TX | 30 | $ 17,700,000 | $ 590,000 | $ 206,000 |
| Boulder, CO | 29 | $ 15,885,000 | $ 547,758 | $ 220,000 |
| Fort Collins, CO | 25 | $ 12,065,000 | $ 482,600 | $ 272,000 |
| Oklahoma City, OK | 25 | $ 4,005,000 | $ 160,200 | $ 150,000 |
| Topeka, KS | 24 | $ 4,470,000 | $ 186,250 | $ 289,000 |
| Champaign-Urbana, IL | 23 | $ 2,935,000 | $ 127,608 | $ 162,000 |
| Fort Worth-Arlington, TX | 19 | $ 9,405,000 | $ 495,000 | $ 240,000 |
| Greeley, CO | 17 | $ 6,725,000 | $ 395,588 | $ 177,000 |
| San Antonio-New Braunfels, TX | 16 | $ 9,680,000 | $ 605,000 | $ 295,000 |
| Chicago-Naperville, IL | 15 | $ 4,295,000 | $ 286,333 | $ 240,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,125,000 | $ 446,428 | $ 1,059,000 |
| Pueblo, CO | 7 | $ 2,035,000 | $ 290,714 | $ 99,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 9,455,000 | $ 1,891,000 | $ 867,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 2,815,000 | $ 563,000 | $ 211,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 4,245,000 | $ 849,000 | $ 544,000 |
| Cincinnati, OH-KY-IN | 4 | $ 2,020,000 | $ 505,000 | $ 160,000 |
| Danville, IL | 4 | $ 230,000 | $ 57,500 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 760,000 | $ 190,000 | $ 217,000 |
| Abilene, TX | 3 | $ 445,000 | $ 148,333 | $ 225,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,015,000 | $ 338,333 | $ 233,000 |
| Carbondale-Marion, IL | 3 | $ 405,000 | $ 135,000 | $ 69,000 |
| Columbus, OH | 3 | $ 925,000 | $ 308,333 | $ 143,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,525,000 | $ 508,333 | $ 432,000 |
| Fort Smith, AR-OK | 3 | $ 325,000 | $ 108,333 | $ 65,000 |
| Midland, TX | 3 | $ 1,325,000 | $ 441,666 | $ 327,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,545,000 | $ 515,000 | $ 354,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,345,000 | $ 448,333 | $ 1,425,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,335,000 | $ 445,000 | $ 216,000 |
| Springfield, IL | 3 | $ 205,000 | $ 68,333 | $ 109,000 |
| Tucson, AZ | 3 | $ 755,000 | $ 251,666 | $ 113,000 |
| Tyler, TX | 3 | $ 945,000 | $ 315,000 | $ 64,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,625,000 | $ 541,666 | $ 2,600,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,220,000 | $ 610,000 | $ 274,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 1,390,000 | $ 695,000 | $ 942,000 |
| Billings, MT | 2 | $ 2,510,000 | $ 1,255,000 | $ 1,383,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 370,000 | $ 185,000 | $ 109,000 |
| Decatur, IL | 2 | $ 730,000 | $ 365,000 | $ 498,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 650,000 | $ 325,000 | $ 139,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 310,000 | $ 155,000 | $ 294,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 390,000 | $ 195,000 | $ 554,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,510,000 | $ 1,255,000 | $ 944,000 |
| Panama City, FL | 2 | $ 1,450,000 | $ 725,000 | $ 328,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,410,000 | $ 705,000 | $ 374,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,710,000 | $ 855,000 | $ 358,000 |
| Raleigh, NC | 2 | $ 430,000 | $ 215,000 | $ 241,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,280,000 | $ 640,000 | $ 787,000 |
| San Diego-Carlsbad, CA | 2 | $ 2,440,000 | $ 1,220,000 | $ 1,632,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,720,000 | $ 860,000 | $ 233,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 340,000 | $ 170,000 | $ 96,000 |
| Waco, TX | 2 | $ 870,000 | $ 435,000 | $ 214,000 |
| Amarillo, TX | 1 | $ 635,000 | $ 635,000 | $ 248,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 485,000 | $ 485,000 | $ 343,000 |
| Beaumont-Port Arthur, TX | 1 | $ 305,000 | $ 305,000 | $ 196,000 |
| Boston, MA | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 375,000 | $ 375,000 | $ 403,000 |
| Casper, WY | 1 | $ 295,000 | $ 295,000 | $ 265,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 305,000 | $ 305,000 | $ 628,000 |
| Corpus Christi, TX | 1 | $ 305,000 | $ 305,000 | $ 188,000 |
| Des Moines-West Des Moines, IA | 1 | $ 525,000 | $ 525,000 | $ 124,000 |
| El Paso, TX | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Elgin, IL | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Enid, OK | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 505,000 | $ 505,000 | $ 327,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 405,000 | $ 405,000 | $ 211,000 |
| Killeen-Temple, TX | 1 | $ 665,000 | $ 665,000 | $ 287,000 |
| Knoxville, TN | 1 | $ 235,000 | $ 235,000 | $ 168,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 2,065,000 | $ 2,065,000 | $ 459,000 |
| Mankato-North Mankato, MN | 1 | $ 425,000 | $ 425,000 | $ 300,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 695,000 | $ 695,000 | $ 373,000 |
| Medford, OR | 1 | $ 305,000 | $ 305,000 | $ 104,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 55,000 | $ 55,000 | $ 143,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 405,000 | $ 405,000 | $ 128,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 605,000 | $ 605,000 | $ 490,000 |
| Napa, CA | 1 | $ 605,000 | $ 605,000 | $ 300,000 |
| Nassau County-Suffolk County, NY | 1 | $ 845,000 | $ 845,000 | $ 340,000 |
| New York-Newark, NY | 1 | $ 1,405,000 | $ 1,405,000 | $ 350,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 585,000 | $ 585,000 | $ 338,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 375,000 | $ 375,000 | $ 260,000 |
| Port St. Lucie, FL | 1 | $ 475,000 | $ 475,000 | $ 154,000 |
| Rockford, IL | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Salisbury, MD-DE | 1 | $ 1,305,000 | $ 1,305,000 | $ 616,000 |
| San Rafael, CA | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Santa Fe, NM | 1 | $ 505,000 | $ 505,000 | $ 126,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,205,000 | $ 1,205,000 | $ 402,000 |
| Sherman-Denison, TX | 1 | $ 405,000 | $ 405,000 | $ 79,000 |
| Sioux City, IA-NE-SD | 1 | $ 3,525,000 | $ 3,525,000 | $ 0 |
| Springfield, MA | 1 | $ 735,000 | $ 735,000 | $ 557,000 |
| Tallahassee, FL | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Warner Robins, GA | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Wichita Falls, TX | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| York-Hanover, PA | 1 | $ 325,000 | $ 325,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Commerce Bank in 2019
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 Purchase | 2,958 | $751,040,000 | $253,000 | $5,005,000 | $162,000 | $8,500,000 |
| Other Purpose | 2,241 | $158,075,000 | $70,000 | $1,755,000 | $120,000 | $5,839,000 |
| Refinancing | 2,209 | $514,315,000 | $232,000 | $5,905,000 | $170,000 | $4,664,000 |
| Home Improvement | 2,127 | $108,225,000 | $50,000 | $1,305,000 | $109,000 | $2,096,000 |
| Cash-out Refinancing | 1,378 | $384,760,000 | $279,000 | $1,505,000 | $131,000 | $1,806,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $37,000 | $37,000 |
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 | 8,503 | $1,332,535,000 | $156,000 | $5,905,000 | $132,000 | $6,460,000 |
| Not Provided | 997 | $279,645,000 | $280,000 | $3,505,000 | $234,000 | $8,500,000 |
| Black or African American | 409 | $43,825,000 | $107,000 | $2,065,000 | $85,000 | $2,644,000 |
| Not applicable | 386 | $139,980,000 | $362,000 | $4,245,000 | $30,000 | $37,000 |
| Hispanic | 278 | $44,210,000 | $159,000 | $945,000 | $110,000 | $1,062,000 |
| Asian | 201 | $49,615,000 | $246,000 | $1,155,000 | $158,000 | $1,371,000 |
| American Indian or Alaskan Native | 77 | $9,115,000 | $118,000 | $1,005,000 | $85,000 | $313,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $445,000 | $148,000 | $235,000 | $110,000 | $149,000 |
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) | 10,256 | $1,802,700,000 | $175,000 | $5,905,000 | $144,000 | $8,500,000 |
| FHA-insured (Federal Housing Administration) | 457 | $70,165,000 | $153,000 | $455,000 | $69,000 | $1,379,000 |
| VA-guaranteed (Veterans Administration) | 143 | $36,915,000 | $258,000 | $1,055,000 | $92,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $6,760,000 | $116,000 | $265,000 | $48,000 | $107,000 |
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 | 6,383 | $1,247,725,000 | $195,000 | $5,905,000 | $159,000 | $8,500,000 |
| Application Denied By Financial Institution | 2,476 | $245,690,000 | $99,000 | $1,905,000 | $85,000 | $4,664,000 |
| Application Withdrawn By Applicant | 1,391 | $295,005,000 | $212,000 | $2,615,000 | $146,000 | $4,972,000 |
| File Closed For Incompleteness | 563 | $113,395,000 | $201,000 | $1,305,000 | $150,000 | $5,205,000 |
| Application Approved But Not Accepted | 98 | $14,430,000 | $147,000 | $1,365,000 | $170,000 | $5,839,000 |
| Loan Purchased By The Institution | 3 | $295,000 | $98,000 | $135,000 | $30,000 | $37,000 |
| 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 | 8,438 | $1,670,850,000 | $198,000 | $5,905,000 | $156,000 | $8,500,000 |
| Debt-To-Income Ratio | 1,320 | $111,660,000 | $84,000 | $1,525,000 | $58,000 | $528,000 |
| Other | 428 | $78,100,000 | $182,000 | $1,905,000 | $130,000 | $2,644,000 |
| Collateral | 385 | $34,715,000 | $90,000 | $905,000 | $122,000 | $4,664,000 |
| Credit History | 306 | $16,950,000 | $55,000 | $805,000 | $90,000 | $865,000 |
| Unverifiable Information | 18 | $1,960,000 | $108,000 | $255,000 | $70,000 | $400,000 |
| Employment History | 11 | $1,335,000 | $121,000 | $355,000 | $85,000 | $304,000 |
| Credit Application Incomplete | 7 | $675,000 | $96,000 | $405,000 | $127,000 | $409,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank's 2019 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.
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