Commerce Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Commerce Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 12,972 |
| Total Mortgage Loan Application Amount | $2,940,810,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $27,555,000 |
| Average Applicant Income | $124,000 |
| Highest Applicant Income | $8,663,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Commerce Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Commerce Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Commerce Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Commerce Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Commerce Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Commerce Bank's mortgage activity for 2020.
| 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 | 4,126 | $ 848,170,000 | $ 210,000 | $ 155,500 |
| ST. LOUIS, MO-IL | 3,122 | $ 557,430,000 | $ 146,500 | $ 119,500 |
| NA (OUTSIDE OF MSA/MD) | 1,401 | $ 250,925,000 | $ 463,833 | $ 330,708 |
| DENVER-AURORA-LAKEWOOD, CO | 730 | $ 354,870,000 | $ 486,000 | $ 224,000 |
| SPRINGFIELD, MO | 596 | $ 96,160,000 | $ 161,000 | $ 98,000 |
| WICHITA, KS | 436 | $ 73,440,000 | $ 168,000 | $ 139,000 |
| ST. JOSEPH, MO-KS | 319 | $ 39,745,000 | $ 108,500 | $ 77,500 |
| COLUMBIA, MO | 317 | $ 64,005,000 | $ 201,000 | $ 126,000 |
| PEORIA, IL | 211 | $ 26,625,000 | $ 126,000 | $ 117,000 |
| CAPE GIRARDEAU, MO-IL | 137 | $ 17,155,000 | $ 100,500 | $ 69,000 |
| JOPLIN, MO | 126 | $ 16,260,000 | $ 129,000 | $ 100,000 |
| JEFFERSON CITY, MO | 116 | $ 14,300,000 | $ 123,000 | $ 88,000 |
| DALLAS-PLANO-IRVING, TX | 113 | $ 66,665,000 | $ 589,000 | $ 268,000 |
| MANHATTAN, KS | 112 | $ 22,050,000 | $ 196,000 | $ 128,000 |
| BLOOMINGTON, IL | 101 | $ 18,315,000 | $ 181,000 | $ 116,000 |
| TULSA, OK | 95 | $ 29,185,000 | $ 307,000 | $ 292,000 |
| CHICAGO-NAPERVILLE, IL | 92 | $ 46,120,000 | $ 501,000 | $ 260,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 89 | $ 51,915,000 | $ 583,000 | $ 402,000 |
| LAWRENCE, KS | 89 | $ 15,425,000 | $ 173,000 | $ 152,000 |
| BOULDER, CO | 56 | $ 32,580,000 | $ 581,000 | $ 218,000 |
| COLORADO SPRINGS, CO | 42 | $ 20,020,000 | $ 476,000 | $ 178,000 |
| TOPEKA, KS | 41 | $ 4,365,000 | $ 106,000 | $ 92,000 |
| AUSTIN-ROUND ROCK, TX | 39 | $ 24,485,000 | $ 627,000 | $ 257,000 |
| FORT COLLINS, CO | 36 | $ 18,710,000 | $ 519,000 | $ 179,000 |
| OKLAHOMA CITY, OK | 34 | $ 6,880,000 | $ 202,000 | $ 148,000 |
| CHAMPAIGN-URBANA, IL | 31 | $ 13,325,000 | $ 429,000 | $ 113,000 |
| FORT WORTH-ARLINGTON, TX | 28 | $ 16,720,000 | $ 597,000 | $ 330,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 25 | $ 15,735,000 | $ 629,000 | $ 269,000 |
| GREELEY, CO | 23 | $ 11,025,000 | $ 479,000 | $ 228,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 20 | $ 14,520,000 | $ 726,000 | $ 526,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 15 | $ 9,525,000 | $ 635,000 | $ 276,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 12 | $ 18,230,000 | $ 1,519,000 | $ 1,400,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 10 | $ 11,030,000 | $ 1,103,000 | $ 570,000 |
| CAPE CORAL-FORT MYERS, FL | 9 | $ 2,745,000 | $ 305,000 | $ 386,000 |
| DECATUR, IL | 9 | $ 465,000 | $ 51,000 | $ 41,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 8 | $ 3,770,000 | $ 471,000 | $ 217,000 |
| SPRINGFIELD, IL | 8 | $ 960,000 | $ 120,000 | $ 96,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 7 | $ 2,775,000 | $ 396,000 | $ 486,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 7 | $ 11,595,000 | $ 1,656,000 | $ 806,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 7 | $ 3,255,000 | $ 465,000 | $ 281,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 7 | $ 5,275,000 | $ 753,000 | $ 361,000 |
| CARBONDALE-MARION, IL | 6 | $ 700,000 | $ 116,000 | $ 67,000 |
| DANVILLE, IL | 6 | $ 290,000 | $ 48,000 | $ 52,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 6 | $ 1,870,000 | $ 311,000 | $ 426,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 6 | $ 3,510,000 | $ 585,000 | $ 567,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 6 | $ 2,360,000 | $ 393,000 | $ 355,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 6 | $ 8,870,000 | $ 1,478,000 | $ 2,090,000 |
| ELGIN, IL | 5 | $ 1,245,000 | $ 249,000 | $ 194,000 |
| GRAND JUNCTION, CO | 5 | $ 2,235,000 | $ 447,000 | $ 200,000 |
| PUEBLO, CO | 5 | $ 1,795,000 | $ 359,000 | $ 207,000 |
| SAN DIEGO-CARLSBAD, CA | 4 | $ 3,740,000 | $ 935,000 | $ 446,000 |
| COLLEGE STATION-BRYAN, TX | 3 | $ 1,945,000 | $ 648,000 | $ 402,000 |
| CORPUS CHRISTI, TX | 3 | $ 1,835,000 | $ 611,000 | $ 496,000 |
| FORT SMITH, AR-OK | 3 | $ 165,000 | $ 55,000 | $ 23,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 3 | $ 485,000 | $ 161,000 | $ 533,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 3 | $ 2,855,000 | $ 951,000 | $ 369,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 3 | $ 1,105,000 | $ 368,000 | $ 235,000 |
| PROVO-OREM, UT | 3 | $ 1,945,000 | $ 648,000 | $ 153,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 3 | $ 1,345,000 | $ 448,000 | $ 406,000 |
| SANTA FE, NM | 3 | $ 7,705,000 | $ 2,568,000 | $ 856,000 |
| TYLER, TX | 3 | $ 1,985,000 | $ 661,000 | $ 263,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 3 | $ 1,755,000 | $ 585,000 | $ 236,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 2 | $ 1,600,000 | $ 800,000 | $ 1,541,000 |
| BELLINGHAM, WA | 2 | $ 530,000 | $ 265,000 | $ 240,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 2 | $ 1,080,000 | $ 540,000 | $ 211,000 |
| CINCINNATI, OH-KY-IN | 2 | $ 720,000 | $ 360,000 | $ 232,000 |
| CLEVELAND-ELYRIA, OH | 2 | $ 350,000 | $ 175,000 | $ 2,351,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 250,000 | $ 125,000 | $ 79,000 |
| DES MOINES-WEST DES MOINES, IA | 2 | $ 380,000 | $ 190,000 | $ 327,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 2 | $ 1,110,000 | $ 555,000 | $ 222,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 2 | $ 640,000 | $ 320,000 | $ 214,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 530,000 | $ 265,000 | $ 262,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2 | $ 1,700,000 | $ 850,000 | $ 243,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 2 | $ 500,000 | $ 250,000 | $ 308,000 |
| RALEIGH, NC | 2 | $ 770,000 | $ 385,000 | $ 209,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 2 | $ 1,520,000 | $ 760,000 | $ 284,000 |
| SANTA MARIA-SANTA BARBARA, CA | 2 | $ 1,480,000 | $ 740,000 | $ 372,000 |
| ANN ARBOR, MI | 1 | $ 355,000 | $ 355,000 | $ 633,000 |
| BARNSTABLE TOWN, MA | 1 | $ 845,000 | $ 845,000 | $ 222,000 |
| BEND-REDMOND, OR | 1 | $ 425,000 | $ 425,000 | $ 230,000 |
| BOSTON, MA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 675,000 | $ 675,000 | $ 357,000 |
| CASPER, WY | 1 | $ 295,000 | $ 295,000 | $ 211,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1 | $ 695,000 | $ 695,000 | $ 200,000 |
| COLUMBUS, OH | 1 | $ 335,000 | $ 335,000 | $ 164,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 625,000 | $ 625,000 | $ 450,000 |
| DULUTH, MN-WI | 1 | $ 285,000 | $ 285,000 | $ 353,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1 | $ 795,000 | $ 795,000 | $ 233,000 |
| IOWA CITY, IA | 1 | $ 105,000 | $ 105,000 | $ 439,000 |
| KANKAKEE, IL | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 415,000 | $ 415,000 | $ 366,000 |
| KNOXVILLE, TN | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| KOKOMO, IN | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| LANSING-EAST LANSING, MI | 1 | $ 75,000 | $ 75,000 | $ 234,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 1 | $ 65,000 | $ 65,000 | $ 227,000 |
| LONGVIEW, TX | 1 | $ 525,000 | $ 525,000 | $ 163,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 1 | $ 305,000 | $ 305,000 | $ 273,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 1 | $ 275,000 | $ 275,000 | $ 195,000 |
| MIDLAND, TX | 1 | $ 915,000 | $ 915,000 | $ 362,000 |
| MUSKEGON, MI | 1 | $ 275,000 | $ 275,000 | $ 264,000 |
| NAPA, CA | 1 | $ 3,505,000 | $ 3,505,000 | $ 6,879,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 155,000 | $ 155,000 | $ 186,000 |
| NEW YORK-NEWARK, NY | 1 | $ 1,145,000 | $ 1,145,000 | $ 350,000 |
| OCALA, FL | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| OWENSBORO, KY | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 235,000 | $ 235,000 | $ 321,000 |
| PANAMA CITY, FL | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| PUNTA GORDA, FL | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| SALEM, OR | 1 | $ 365,000 | $ 365,000 | $ 209,000 |
| SALT LAKE CITY, UT | 1 | $ 385,000 | $ 385,000 | $ 290,000 |
| SAN ANGELO, TX | 1 | $ 505,000 | $ 505,000 | $ 180,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 317,000 |
| SIERRA VISTA-DOUGLAS, AZ | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
| SPRINGFIELD, MA | 1 | $ 565,000 | $ 565,000 | $ 147,000 |
| SYRACUSE, NY | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| TUCSON, AZ | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| WACO, TX | 1 | $ 645,000 | $ 645,000 | $ 245,000 |
| WORCESTER, MA-CT | 1 | $ 515,000 | $ 515,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for Commerce Bank in 2020
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 | 3,774 | $1,132,280,000 | $300,000 | $7,795,000 | $180,000 | $6,146,000 |
| Home Purchase | 3,297 | $886,725,000 | $268,000 | $27,555,000 | $152,000 | $6,879,000 |
| Home Improvement | 2,146 | $120,850,000 | $56,000 | $1,005,000 | $110,000 | $2,814,000 |
| Cash-out Refinancing | 1,967 | $628,435,000 | $319,000 | $4,005,000 | $160,000 | $3,073,000 |
| Other Purpose | 1,787 | $172,305,000 | $96,000 | $2,105,000 | $142,000 | $8,663,000 |
| Not Applicable | 1 | $215,000 | $215,000 | $215,000 | $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 | 9,639 | $1,996,315,000 | $207,000 | $5,405,000 | $146,000 | $8,663,000 |
| Not Provided | 1,546 | $494,280,000 | $319,000 | $6,655,000 | $218,000 | $6,879,000 |
| Black or African American | 608 | $67,990,000 | $111,000 | $1,605,000 | $89,000 | $5,906,000 |
| Not applicable | 379 | $196,255,000 | $517,000 | $27,555,000 | $0 | $0 |
| Hispanic | 355 | $70,255,000 | $197,000 | $1,435,000 | $138,000 | $6,146,000 |
| Asian | 227 | $65,855,000 | $290,000 | $1,085,000 | $174,000 | $2,500,000 |
| American Indian or Alaskan Native | 115 | $15,465,000 | $134,000 | $1,505,000 | $105,000 | $2,527,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,610,000 | $326,000 | $675,000 | $211,000 | $600,000 |
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) | 12,467 | $2,851,275,000 | $228,000 | $27,555,000 | $155,000 | $8,663,000 |
| FHA-insured (Federal Housing Administration) | 326 | $49,820,000 | $152,000 | $515,000 | $68,000 | $324,000 |
| VA-guaranteed (Veterans Administration) | 118 | $31,860,000 | $270,000 | $1,645,000 | $102,000 | $566,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $7,855,000 | $128,000 | $305,000 | $49,000 | $111,000 |
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 | 7,087 | $1,867,535,000 | $263,000 | $27,555,000 | $180,000 | $8,663,000 |
| Application Denied By Financial Institution | 2,915 | $360,215,000 | $123,000 | $3,125,000 | $87,000 | $5,906,000 |
| Application Withdrawn By Applicant | 1,923 | $477,885,000 | $248,000 | $2,105,000 | $160,000 | $6,829,000 |
| File Closed For Incompleteness | 909 | $208,415,000 | $229,000 | $1,245,000 | $148,000 | $1,807,000 |
| Application Approved But Not Accepted | 135 | $26,175,000 | $193,000 | $995,000 | $140,000 | $1,010,000 |
| Loan Purchased By The Institution | 3 | $585,000 | $195,000 | $235,000 | $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 | 10,057 | $2,580,595,000 | $256,000 | $27,555,000 | $172,000 | $8,663,000 |
| Debt-To-Income Ratio | 1,492 | $181,470,000 | $121,000 | $3,125,000 | $57,000 | $463,000 |
| Other | 649 | $105,095,000 | $161,000 | $2,005,000 | $111,000 | $2,500,000 |
| Collateral | 409 | $47,925,000 | $117,000 | $2,505,000 | $149,000 | $4,300,000 |
| Credit History | 336 | $20,930,000 | $62,000 | $865,000 | $99,000 | $5,906,000 |
| Employment History | 13 | $2,105,000 | $161,000 | $895,000 | $36,000 | $150,000 |
| Unverifiable Information | 11 | $2,105,000 | $191,000 | $725,000 | $87,000 | $217,000 |
| Credit Application Incomplete | 5 | $585,000 | $117,000 | $325,000 | $150,000 | $299,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank's 2020 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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with aggregated HMDA statistics today.