Commerce Bank Mortgage Lending & HMDA Data, 2024
In 2024, Commerce Bank of Kansas City, MO reported 8,078 mortgage applications totaling $1.3 billion, down 6% from 2023. The average application was for $164,673, and applicants reported an average income of $156,356. 51% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Kansas City, MO-KS (2,575), St. Louis, MO-IL (2,437) and Springfield, MO (440) (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 | 8,078 |
| Total Mortgage Loan Application Amount | $1,330,230,000 |
| Average Mortgage Loan Application Amount | $164,673 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $156,356 |
| Highest Applicant Income | $8,440,000 |
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Act (HMDA) records Commerce Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,575 | $ 375,435,000 | $ 145,800 | $ 156,189 |
| St. Louis, MO-IL | 2,437 | $ 309,075,000 | $ 126,826 | $ 144,651 |
| Outside any metro area | 745 | $ 121,075,000 | $ 162,516 | $ 148,699 |
| Springfield, MO | 440 | $ 47,350,000 | $ 107,613 | $ 106,000 |
| Wichita, KS | 258 | $ 37,610,000 | $ 145,775 | $ 146,000 |
| Denver-Aurora-Lakewood, CO | 246 | $ 128,960,000 | $ 524,227 | $ 259,000 |
| St. Joseph, MO-KS | 187 | $ 17,825,000 | $ 95,320 | $ 117,074 |
| Columbia, MO | 163 | $ 27,005,000 | $ 165,674 | $ 161,000 |
| Peoria, IL | 162 | $ 10,840,000 | $ 66,913 | $ 133,000 |
| Joplin, MO | 133 | $ 15,165,000 | $ 114,022 | $ 103,578 |
| Lawrence, KS | 88 | $ 11,250,000 | $ 127,840 | $ 174,000 |
| Bloomington, IL | 85 | $ 7,405,000 | $ 87,117 | $ 122,000 |
| Cape Girardeau, MO-IL | 62 | $ 6,360,000 | $ 102,580 | $ 115,403 |
| Jefferson City, MO | 61 | $ 6,085,000 | $ 99,754 | $ 99,000 |
| Tulsa, OK | 53 | $ 9,215,000 | $ 173,867 | $ 178,000 |
| Chicago-Naperville, IL | 46 | $ 9,890,000 | $ 215,000 | $ 240,000 |
| Manhattan, KS | 45 | $ 6,545,000 | $ 145,444 | $ 144,000 |
| Houston-The Woodlands-Sugar Land, TX | 33 | $ 17,305,000 | $ 524,393 | $ 125,000 |
| Oklahoma City, OK | 20 | $ 2,670,000 | $ 133,500 | $ 125,000 |
| Colorado Springs, CO | 14 | $ 3,390,000 | $ 242,142 | $ 159,000 |
| Austin-Round Rock, TX | 13 | $ 18,845,000 | $ 1,449,615 | $ 512,000 |
| Dallas-Plano-Irving, TX | 11 | $ 10,645,000 | $ 967,727 | $ 387,000 |
| Topeka, KS | 11 | $ 635,000 | $ 57,727 | $ 149,000 |
| Boulder, CO | 10 | $ 3,630,000 | $ 363,000 | $ 336,000 |
| Fort Collins, CO | 8 | $ 1,720,000 | $ 215,000 | $ 133,000 |
| Greeley, CO | 7 | $ 2,125,000 | $ 303,571 | $ 204,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 9,405,000 | $ 1,343,571 | $ 1,585,000 |
| Charleston-North Charleston, SC | 6 | $ 3,170,000 | $ 528,333 | $ 244,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,585,000 | $ 317,000 | $ 177,000 |
| San Diego-Carlsbad, CA | 5 | $ 4,295,000 | $ 859,000 | $ 250,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 7,540,000 | $ 1,885,000 | $ 913,000 |
| Elgin, IL | 4 | $ 530,000 | $ 132,500 | $ 137,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,450,000 | $ 362,500 | $ 359,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,860,000 | $ 465,000 | $ 798,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 3,220,000 | $ 805,000 | $ 448,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 3,870,000 | $ 967,500 | $ 164,000 |
| Springfield, IL | 4 | $ 250,000 | $ 62,500 | $ 314,000 |
| Tampa, FL | 4 | $ 840,000 | $ 210,000 | $ 138,000 |
| Tucson, AZ | 4 | $ 2,640,000 | $ 660,000 | $ 1,261,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 3,385,000 | $ 1,128,333 | $ 658,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,795,000 | $ 598,333 | $ 365,000 |
| Fort Worth-Arlington, TX | 3 | $ 2,715,000 | $ 905,000 | $ 481,000 |
| Grand Junction, CO | 3 | $ 875,000 | $ 291,666 | $ 116,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,255,000 | $ 418,333 | $ 152,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 4,055,000 | $ 1,351,666 | $ 1,001,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,285,000 | $ 428,333 | $ 188,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 2,445,000 | $ 815,000 | $ 633,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 4,515,000 | $ 1,505,000 | $ 574,000 |
| Sherman-Denison, TX | 3 | $ 635,000 | $ 211,666 | $ 172,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 2,595,000 | $ 865,000 | $ 321,000 |
| Charlottesville, VA | 2 | $ 1,790,000 | $ 895,000 | $ 404,000 |
| Columbus, OH | 2 | $ 1,630,000 | $ 815,000 | $ 304,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,130,000 | $ 565,000 | $ 337,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,510,000 | $ 755,000 | $ 323,000 |
| Lakeland-Winter Haven, FL | 2 | $ 820,000 | $ 410,000 | $ 263,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 1,060,000 | $ 530,000 | $ 358,000 |
| Marietta, GA | 2 | $ 1,220,000 | $ 610,000 | $ 2,256,000 |
| Port St. Lucie, FL | 2 | $ 1,010,000 | $ 505,000 | $ 253,000 |
| Richmond, VA | 2 | $ 1,000,000 | $ 500,000 | $ 151,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 5,200,000 | $ 2,600,000 | $ 3,450,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,310,000 | $ 1,155,000 | $ 149,000 |
| Shreveport-Bossier City, LA | 2 | $ 1,640,000 | $ 820,000 | $ 302,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 910,000 | $ 455,000 | $ 147,000 |
| Tacoma-Lakewood, WA | 2 | $ 1,570,000 | $ 785,000 | $ 275,000 |
| Traverse City, MI | 2 | $ 510,000 | $ 255,000 | $ 402,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 295,000 | $ 295,000 | $ 233,000 |
| Albuquerque, NM | 1 | $ 535,000 | $ 535,000 | $ 142,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 2,135,000 | $ 2,135,000 | $ 1,053,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 455,000 | $ 455,000 | $ 206,000 |
| Bozeman, MT | 1 | $ 595,000 | $ 595,000 | $ 184,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 775,000 | $ 775,000 | $ 318,000 |
| Cleveland, OH | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Columbia, SC | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 245,000 | $ 245,000 | $ 179,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 195,000 | $ 195,000 | $ 239,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 375,000 | $ 375,000 | $ 180,000 |
| Iowa City, IA | 1 | $ 365,000 | $ 365,000 | $ 248,000 |
| Jackson, MS | 1 | $ 635,000 | $ 635,000 | $ 500,000 |
| Knoxville, TN | 1 | $ 365,000 | $ 365,000 | $ 245,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Lawton, OK | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Madison, WI | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Manchester-Nashua, NH | 1 | $ 1,055,000 | $ 1,055,000 | $ 321,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 255,000 | $ 255,000 | $ 202,000 |
| Napa, CA | 1 | $ 2,905,000 | $ 2,905,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 485,000 | $ 485,000 | $ 239,000 |
| Niles-Benton Harbor, MI | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Ocala, FL | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Ogden-Clearfield, UT | 1 | $ 695,000 | $ 695,000 | $ 545,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 1,045,000 | $ 1,045,000 | $ 447,000 |
| Paducah, KY-IL | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Panama City, FL | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Providence-Warwick, RI-MA | 1 | $ 2,165,000 | $ 2,165,000 | $ 634,000 |
| Pueblo, CO | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Rochester, MN | 1 | $ 525,000 | $ 525,000 | $ 146,000 |
| Rochester, NY | 1 | $ 305,000 | $ 305,000 | $ 425,000 |
| San Antonio-New Braunfels, TX | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| San Rafael, CA | 1 | $ 5,255,000 | $ 5,255,000 | $ 0 |
| Santa Fe, NM | 1 | $ 455,000 | $ 455,000 | $ 300,000 |
| Spartanburg, SC | 1 | $ 755,000 | $ 755,000 | $ 207,000 |
| Tuscaloosa, AL | 1 | $ 535,000 | $ 535,000 | $ 209,000 |
| Tyler, TX | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Utica-Rome, NY | 1 | $ 315,000 | $ 315,000 | $ 238,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 475,000 | $ 475,000 | $ 166,000 |
| Waco, TX | 1 | $ 285,000 | $ 285,000 | $ 350,000 |
| Washington, DC-MD | 1 | $ 1,605,000 | $ 1,605,000 | $ 496,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 3,545,000 | $ 3,545,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commerce Bank in 2024
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 | 2,505 | $194,885,000 | $77,000 | $2,755,000 | $135,000 | $3,016,000 |
| Other Purpose | 1,987 | $169,045,000 | $85,000 | $2,905,000 | $131,000 | $3,392,000 |
| Home Purchase | 1,864 | $705,690,000 | $378,000 | $8,005,000 | $212,000 | $6,579,000 |
| Refinancing | 1,487 | $208,885,000 | $140,000 | $1,495,000 | $163,000 | $8,440,000 |
| Cash-out Refinancing | 235 | $51,725,000 | $220,000 | $2,685,000 | $115,000 | $1,503,000 |
| 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 | 6,290 | $1,026,590,000 | $163,000 | $8,005,000 | $161,000 | $8,440,000 |
| Black or African American | 591 | $58,855,000 | $99,000 | $1,205,000 | $90,000 | $1,224,000 |
| Not Provided | 461 | $108,885,000 | $236,000 | $4,215,000 | $191,000 | $3,058,000 |
| Hispanic | 352 | $47,620,000 | $135,000 | $1,005,000 | $107,000 | $988,000 |
| Asian | 188 | $43,150,000 | $229,000 | $1,885,000 | $229,000 | $2,872,000 |
| Not applicable | 105 | $39,095,000 | $372,000 | $6,565,000 | $0 | $0 |
| American Indian or Alaskan Native | 75 | $4,835,000 | $64,000 | $265,000 | $96,000 | $992,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,035,000 | $79,000 | $205,000 | $95,000 | $198,000 |
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) | 7,858 | $1,288,690,000 | $163,000 | $8,005,000 | $158,000 | $8,440,000 |
| FHA-insured (Federal Housing Administration) | 190 | $34,490,000 | $181,000 | $845,000 | $79,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 25 | $6,385,000 | $255,000 | $1,205,000 | $106,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $665,000 | $133,000 | $185,000 | $84,000 | $110,000 |
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 | 4,101 | $811,365,000 | $197,000 | $8,005,000 | $184,000 | $8,440,000 |
| Application Denied By Financial Institution | 2,274 | $213,330,000 | $93,000 | $2,685,000 | $101,000 | $4,316,000 |
| Application Withdrawn By Applicant | 969 | $210,515,000 | $217,000 | $5,255,000 | $166,000 | $5,001,000 |
| File Closed For Incompleteness | 663 | $83,745,000 | $126,000 | $1,395,000 | $150,000 | $2,872,000 |
| Application Approved But Not Accepted | 65 | $10,595,000 | $163,000 | $1,095,000 | $267,000 | $2,013,000 |
| Loan Purchased By The Institution | 6 | $680,000 | $113,000 | $165,000 | $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 | 5,804 | $1,116,900,000 | $192,000 | $8,005,000 | $178,000 | $8,440,000 |
| Debt-To-Income Ratio | 1,022 | $111,800,000 | $109,000 | $2,685,000 | $74,000 | $774,000 |
| Other | 872 | $63,320,000 | $72,000 | $2,605,000 | $120,000 | $4,316,000 |
| Collateral | 182 | $21,330,000 | $117,000 | $1,505,000 | $149,000 | $1,075,000 |
| Credit History | 174 | $12,950,000 | $74,000 | $1,495,000 | $113,000 | $1,036,000 |
| Unverifiable Information | 15 | $3,225,000 | $215,000 | $1,205,000 | $97,000 | $517,000 |
| Employment History | 7 | $655,000 | $93,000 | $155,000 | $30,000 | $48,000 |
| Credit Application Incomplete | 2 | $50,000 | $25,000 | $25,000 | $54,000 | $83,000 |
| 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 2024 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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