Commerce Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Commerce Bank, N.A. 2003 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, N.A. 922 Walnut, Tb 12-1 Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,933 |
| Total Mortgage Loan Application Amount | $1,001,131,000 |
| Average Mortgage Loan Application Amount | $259,892 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $240,625 |
| Highest Applicant Income | $3,799,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Commerce Bank, N.A.. 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, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Commerce Bank, N.A.'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, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Commerce Bank, N.A., 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, N.A.'s mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 1,200 | $ 166,953,000 | $ 139,000 | $ 78,000 |
| Jackson County Missouri | 808 | $ 66,815,000 | $ 82,000 | $ 72,000 |
| Buchanan County Missouri | 627 | $ 51,277,000 | $ 81,000 | $ 72,000 |
| Greene County Missouri | 506 | $ 53,741,000 | $ 106,000 | $ 69,000 |
| Cape Girardeau County Missouri | 469 | $ 52,676,000 | $ 112,000 | $ 63,000 |
| St. Charles County Missouri | 467 | $ 41,107,000 | $ 88,000 | $ 96,000 |
| Johnson County Kansas | 443 | $ 58,061,000 | $ 131,000 | $ 123,000 |
| Boone County Missouri | 410 | $ 47,527,000 | $ 115,000 | $ 57,000 |
| St. Louis City County Missouri | 339 | $ 21,703,000 | $ 64,000 | $ 58,000 |
| Jefferson County Missouri | 290 | $ 17,048,000 | $ 58,000 | $ 47,000 |
| St. Francois County Missouri | 252 | $ 16,109,000 | $ 63,000 | $ 56,000 |
| Laclede County Missouri | 235 | $ 19,009,000 | $ 80,000 | $ 42,000 |
| Douglas County Kansas | 229 | $ 36,570,000 | $ 159,000 | $ 92,000 |
| Butler County Missouri | 229 | $ 21,340,000 | $ 93,000 | $ 63,000 |
| Riley County Kansas | 214 | $ 32,806,000 | $ 153,000 | $ 127,000 |
| Leavenworth County Kansas | 192 | $ 19,159,000 | $ 99,000 | $ 56,000 |
| Clay County Missouri | 182 | $ 16,032,000 | $ 88,000 | $ 70,000 |
| Randolph County Missouri | 164 | $ 9,946,000 | $ 60,000 | $ 41,000 |
| Moniteau County Missouri | 146 | $ 11,321,000 | $ 77,000 | $ 35,000 |
| Crawford County Kansas | 143 | $ 12,639,000 | $ 88,000 | $ 78,000 |
| Barry County Missouri | 131 | $ 11,613,000 | $ 88,000 | $ 50,000 |
| Audrain County Missouri | 123 | $ 8,685,000 | $ 70,000 | $ 43,000 |
| Cass County Missouri | 122 | $ 9,498,000 | $ 77,000 | $ 75,000 |
| Christian County Missouri | 114 | $ 9,823,000 | $ 86,000 | $ 51,000 |
| Jasper County Missouri | 108 | $ 9,972,000 | $ 92,000 | $ 88,000 |
| Polk County Missouri | 106 | $ 8,263,000 | $ 77,000 | $ 53,000 |
| Andrew County Missouri | 99 | $ 10,080,000 | $ 101,000 | $ 67,000 |
| Marion County Missouri | 86 | $ 6,721,000 | $ 78,000 | $ 47,000 |
| Platte County Missouri | 80 | $ 10,871,000 | $ 135,000 | $ 221,000 |
| Cherokee County Kansas | 75 | $ 6,097,000 | $ 81,000 | $ 55,000 |
| Scott County Missouri | 74 | $ 6,041,000 | $ 81,000 | $ 42,000 |
| Lawrence County Missouri | 73 | $ 6,233,000 | $ 85,000 | $ 44,000 |
| Wyandotte County Kansas | 66 | $ 3,600,000 | $ 54,000 | $ 54,000 |
| Montgomery County Kansas | 62 | $ 4,987,000 | $ 80,000 | $ 56,000 |
| Ralls County Missouri | 42 | $ 3,627,000 | $ 86,000 | $ 70,000 |
| Stone County Missouri | 38 | $ 4,588,000 | $ 120,000 | $ 86,000 |
| Taney County Missouri | 38 | $ 4,722,000 | $ 124,000 | $ 58,000 |
| Pottawatomie County Kansas | 35 | $ 3,733,000 | $ 106,000 | $ 65,000 |
| Camden County Missouri | 35 | $ 4,858,000 | $ 138,000 | $ 214,000 |
| Newton County Missouri | 35 | $ 4,523,000 | $ 129,000 | $ 90,000 |
| Morgan County Missouri | 28 | $ 1,753,000 | $ 62,000 | $ 48,000 |
| Clinton County Missouri | 27 | $ 2,162,000 | $ 80,000 | $ 81,000 |
| Wayne County Missouri | 27 | $ 1,776,000 | $ 65,000 | $ 40,000 |
| Hickory County Missouri | 26 | $ 1,386,000 | $ 53,000 | $ 31,000 |
| Lincoln County Missouri | 25 | $ 1,748,000 | $ 69,000 | $ 64,000 |
| Callaway County Missouri | 24 | $ 1,840,000 | $ 76,000 | $ 42,000 |
| Monroe County Missouri | 24 | $ 3,504,000 | $ 146,000 | $ 72,000 |
| Ste. Genevieve County Missouri | 24 | $ 1,550,000 | $ 64,000 | $ 72,000 |
| Warren County Missouri | 23 | $ 2,319,000 | $ 100,000 | $ 93,000 |
| Jefferson County Kansas | 20 | $ 1,629,000 | $ 81,000 | $ 64,000 |
| Ripley County Missouri | 19 | $ 1,752,000 | $ 92,000 | $ 46,000 |
| Cooper County Missouri | 18 | $ 1,676,000 | $ 93,000 | $ 47,000 |
| Washington County Missouri | 17 | $ 1,100,000 | $ 64,000 | $ 40,000 |
| DeKalb County Missouri | 16 | $ 1,243,000 | $ 77,000 | $ 40,000 |
| Madison County Illinois | 15 | $ 1,727,000 | $ 115,000 | $ 130,000 |
| Cole County Missouri | 13 | $ 1,435,000 | $ 110,000 | $ 64,000 |
| Dade County Missouri | 13 | $ 821,000 | $ 63,000 | $ 49,000 |
| Madison County Missouri | 13 | $ 850,000 | $ 65,000 | $ 38,000 |
| Pulaski County Missouri | 13 | $ 721,000 | $ 55,000 | $ 44,000 |
| Holt County Missouri | 12 | $ 1,344,000 | $ 112,000 | $ 49,000 |
| Webster County Missouri | 12 | $ 1,134,000 | $ 94,000 | $ 58,000 |
| Shawnee County Kansas | 11 | $ 1,549,000 | $ 140,000 | $ 172,000 |
| Carter County Missouri | 11 | $ 731,000 | $ 66,000 | $ 94,000 |
| Dallas County Missouri | 11 | $ 875,000 | $ 79,000 | $ 34,000 |
| Stoddard County Missouri | 11 | $ 1,143,000 | $ 103,000 | $ 73,000 |
| St. Clair County Illinois | 10 | $ 889,000 | $ 88,000 | $ 103,000 |
| Franklin County Missouri | 10 | $ 1,335,000 | $ 133,000 | $ 74,000 |
| Macon County Missouri | 10 | $ 829,000 | $ 82,000 | $ 53,000 |
| Perry County Missouri | 10 | $ 692,000 | $ 69,000 | $ 60,000 |
| Bollinger County Missouri | 9 | $ 711,000 | $ 79,000 | $ 57,000 |
| Cedar County Missouri | 9 | $ 481,000 | $ 53,000 | $ 28,000 |
| Howard County Missouri | 8 | $ 485,000 | $ 60,000 | $ 41,000 |
| Reynolds County Missouri | 8 | $ 756,000 | $ 94,000 | $ 71,000 |
| Ocean County New Jersey | 8 | $ 275,000 | $ 34,000 | $ 249,000 |
| Geary County Kansas | 7 | $ 605,000 | $ 86,000 | $ 49,000 |
| Wabaunsee County Kansas | 7 | $ 655,000 | $ 93,000 | $ 54,000 |
| Lafayette County Missouri | 7 | $ 551,000 | $ 78,000 | $ 53,000 |
| Nodaway County Missouri | 7 | $ 756,000 | $ 108,000 | $ 74,000 |
| Clay County Kansas | 6 | $ 467,000 | $ 77,000 | $ 55,000 |
| Labette County Kansas | 6 | $ 466,000 | $ 77,000 | $ 40,000 |
| Bates County Missouri | 6 | $ 557,000 | $ 92,000 | $ 213,000 |
| Wright County Missouri | 6 | $ 253,000 | $ 42,000 | $ 30,000 |
| Cook County Illinois | 5 | $ 818,000 | $ 163,000 | $ 111,000 |
| Doniphan County Kansas | 5 | $ 286,000 | $ 57,000 | $ 70,000 |
| Caldwell County Missouri | 5 | $ 214,000 | $ 42,000 | $ 38,000 |
| Dunklin County Missouri | 5 | $ 295,000 | $ 59,000 | $ 94,000 |
| Iron County Missouri | 5 | $ 334,000 | $ 66,000 | $ 72,000 |
| Maricopa County Arizona | 4 | $ 687,000 | $ 171,000 | $ 247,000 |
| Riverside County California | 4 | $ 4,020,000 | $ 1,005,000 | $ 442,000 |
| Bourbon County Kansas | 4 | $ 297,000 | $ 74,000 | $ 48,000 |
| Miami County Kansas | 4 | $ 546,000 | $ 136,000 | $ 103,000 |
| Neosho County Kansas | 4 | $ 433,000 | $ 108,000 | $ 99,000 |
| Marshall County Kentucky | 4 | $ 962,000 | $ 240,000 | $ 271,000 |
| Daviess County Missouri | 4 | $ 399,000 | $ 99,000 | $ 76,000 |
| Montgomery County Missouri | 4 | $ 354,000 | $ 88,000 | $ 66,000 |
| Pettis County Missouri | 4 | $ 200,000 | $ 50,000 | $ 51,000 |
| Ray County Missouri | 4 | $ 311,000 | $ 77,000 | $ 96,000 |
| Texas County Missouri | 4 | $ 555,000 | $ 138,000 | $ 64,000 |
| Burlington County New Jersey | 4 | $ 95,000 | $ 23,000 | $ 68,000 |
| Camden County New Jersey | 4 | $ 83,000 | $ 20,000 | $ 54,000 |
| Monmouth County New Jersey | 4 | $ 305,000 | $ 76,000 | $ 293,000 |
| Philadelphia County Pennsylvania | 4 | $ 44,000 | $ 11,000 | $ 294,000 |
| Pulaski County Arkansas | 3 | $ 48,000 | $ 16,000 | $ 87,000 |
| Collier County Florida | 3 | $ 1,342,000 | $ 447,000 | $ 283,000 |
| Lee County Florida | 3 | $ 929,000 | $ 309,000 | $ 284,000 |
| Adams County Illinois | 3 | $ 758,000 | $ 252,000 | $ 145,000 |
| Alexander County Illinois | 3 | $ 270,000 | $ 90,000 | $ 33,000 |
| Franklin County Kansas | 3 | $ 99,000 | $ 33,000 | $ 84,000 |
| Linn County Kansas | 3 | $ 130,000 | $ 43,000 | $ 58,000 |
| Morris County Kansas | 3 | $ 20,000 | $ 6,000 | $ 38,000 |
| Wilson County Kansas | 3 | $ 261,000 | $ 87,000 | $ 56,000 |
| Johnson County Missouri | 3 | $ 173,000 | $ 57,000 | $ 87,000 |
| Phelps County Missouri | 3 | $ 274,000 | $ 91,000 | $ 91,000 |
| St. Clair County Missouri | 3 | $ 151,000 | $ 50,000 | $ 42,000 |
| Bergen County New Jersey | 3 | $ 230,000 | $ 76,000 | $ 257,000 |
| Gloucester County New Jersey | 3 | $ 128,000 | $ 42,000 | $ 144,000 |
| Ottawa County Oklahoma | 3 | $ 148,000 | $ 49,000 | $ 30,000 |
| Bucks County Pennsylvania | 3 | $ 82,000 | $ 27,000 | $ 136,000 |
| Los Angeles County California | 2 | $ 628,000 | $ 314,000 | $ 167,000 |
| Routt County Colorado | 2 | $ 1,420,000 | $ 710,000 | $ 1,675,000 |
| Franklin County Florida | 2 | $ 2,308,000 | $ 1,154,000 | $ 258,000 |
| Honolulu County Hawaii | 2 | $ 1,570,000 | $ 785,000 | $ 1,036,000 |
| Macoupin County Illinois | 2 | $ 59,000 | $ 29,000 | $ 20,000 |
| Peoria County Illinois | 2 | $ 50,000 | $ 25,000 | $ 65,000 |
| Union County Illinois | 2 | $ 88,000 | $ 44,000 | $ 62,000 |
| Washington County Illinois | 2 | $ 292,000 | $ 146,000 | $ 166,000 |
| Winnebago County Illinois | 2 | $ 286,000 | $ 143,000 | $ 108,000 |
| Chautauqua County Kansas | 2 | $ 69,000 | $ 34,000 | $ 31,000 |
| Dickinson County Kansas | 2 | $ 52,000 | $ 26,000 | $ 23,000 |
| Lyon County Kansas | 2 | $ 291,000 | $ 145,000 | $ 78,000 |
| Sedgwick County Kansas | 2 | $ 305,000 | $ 152,000 | $ 72,000 |
| Hancock County Maine | 2 | $ 1,500,000 | $ 750,000 | $ 998,000 |
| Chariton County Missouri | 2 | $ 70,000 | $ 35,000 | $ 68,000 |
| Douglas County Missouri | 2 | $ 121,000 | $ 60,000 | $ 69,000 |
| Gentry County Missouri | 2 | $ 261,000 | $ 130,000 | $ 78,000 |
| Lewis County Missouri | 2 | $ 311,000 | $ 155,000 | $ 50,000 |
| Linn County Missouri | 2 | $ 59,000 | $ 29,000 | $ 20,000 |
| Miller County Missouri | 2 | $ 388,000 | $ 194,000 | $ 11,000 |
| Clark County Nevada | 2 | $ 479,000 | $ 239,000 | $ 135,000 |
| Atlantic County New Jersey | 2 | $ 65,000 | $ 32,000 | $ 268,000 |
| Middlesex County New Jersey | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Delaware County Oklahoma | 2 | $ 299,000 | $ 149,000 | $ 205,000 |
| Delaware County Pennsylvania | 2 | $ 165,000 | $ 82,000 | $ 49,000 |
| Montgomery County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Brazos County Texas | 2 | $ 436,000 | $ 218,000 | $ 131,000 |
| Baldwin County Alabama | 1 | $ 223,000 | $ 223,000 | $ 38,000 |
| Baxter County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Benton County Arkansas | 1 | $ 81,000 | $ 81,000 | $ 70,000 |
| Boone County Arkansas | 1 | $ 8,000 | $ 8,000 | $ 33,000 |
| Craighead County Arkansas | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Greene County Arkansas | 1 | $ 136,000 | $ 136,000 | $ 73,000 |
| Van Buren County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Sacramento County California | 1 | $ 3,000 | $ 3,000 | $ 45,000 |
| San Diego County California | 1 | $ 360,000 | $ 360,000 | $ 3,480,000 |
| Adams County Colorado | 1 | $ 11,000 | $ 11,000 | $ 57,000 |
| Eagle County Colorado | 1 | $ 645,000 | $ 645,000 | $ 100,000 |
| El Paso County Colorado | 1 | $ 323,000 | $ 323,000 | $ 115,000 |
| Pitkin County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 85,000 |
| New Castle County Delaware | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Citrus County Florida | 1 | $ 150,000 | $ 150,000 | $ 249,000 |
| Okaloosa County Florida | 1 | $ 193,000 | $ 193,000 | $ 1,341,000 |
| Pinellas County Florida | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Sarasota County Florida | 1 | $ 1,139,000 | $ 1,139,000 | $ 150,000 |
| Walton County Florida | 1 | $ 750,000 | $ 750,000 | $ 123,000 |
| Cobb County Georgia | 1 | $ 250,000 | $ 250,000 | $ 100,000 |
| Fayette County Georgia | 1 | $ 6,000 | $ 6,000 | $ 64,000 |
| Bond County Illinois | 1 | $ 160,000 | $ 160,000 | $ 29,000 |
| Calhoun County Illinois | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Clinton County Illinois | 1 | $ 144,000 | $ 144,000 | $ 69,000 |
| Jackson County Illinois | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Marion County Illinois | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
| McLean County Illinois | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Monroe County Illinois | 1 | $ 18,000 | $ 18,000 | $ 179,000 |
| Tazewell County Illinois | 1 | $ 232,000 | $ 232,000 | $ 88,000 |
| White County Illinois | 1 | $ 42,000 | $ 42,000 | $ 82,000 |
| Des Moines County Iowa | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| Johnson County Iowa | 1 | $ 57,000 | $ 57,000 | $ 96,000 |
| Atchison County Kansas | 1 | $ 2,000 | $ 2,000 | $ 62,000 |
| Finney County Kansas | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Grant County Kansas | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Haskell County Kansas | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Reno County Kansas | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Rooks County Kansas | 1 | $ 3,000 | $ 3,000 | $ 84,000 |
| Worcester County Massachusetts | 1 | $ 2,000 | $ 2,000 | $ 92,000 |
| Oakland County Michigan | 1 | $ 250,000 | $ 250,000 | $ 55,000 |
| Wayne County Michigan | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
| Crow Wing County Minnesota | 1 | $ 999,000 | $ 999,000 | $ 420,000 |
| DeSoto County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Adair County Missouri | 1 | $ 218,000 | $ 218,000 | $ 88,000 |
| Atchison County Missouri | 1 | $ 62,000 | $ 62,000 | $ 36,000 |
| Benton County Missouri | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Crawford County Missouri | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Harrison County Missouri | 1 | $ 9,000 | $ 9,000 | $ 38,000 |
| Henry County Missouri | 1 | $ 28,000 | $ 28,000 | $ 36,000 |
| Ozark County Missouri | 1 | $ 44,000 | $ 44,000 | $ 56,000 |
| Pike County Missouri | 1 | $ 9,000 | $ 9,000 | $ 20,000 |
| Putnam County Missouri | 1 | $ 78,000 | $ 78,000 | $ 44,000 |
| Saline County Missouri | 1 | $ 3,000 | $ 3,000 | $ 65,000 |
| Shannon County Missouri | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Worth County Missouri | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Sarpy County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 62,000 |
| Carroll County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 183,000 |
| Essex County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| Mercer County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 66,000 |
| Morris County New Jersey | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 1,000 | $ 1,000 | $ 774,000 |
| Sussex County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 18,000 |
| New York County New York | 1 | $ 8,000 | $ 8,000 | $ 36,000 |
| Tompkins County New York | 1 | $ 20,000 | $ 20,000 | $ 125,000 |
| Caldwell County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 41,000 |
| Mecklenburg County North Carolina | 1 | $ 390,000 | $ 390,000 | $ 200,000 |
| Lucas County Ohio | 1 | $ 190,000 | $ 190,000 | $ 54,000 |
| Luzerne County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 14,000 |
| Perry County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Beaufort County South Carolina | 1 | $ 500,000 | $ 500,000 | $ 128,000 |
| Walworth County Wisconsin | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,182,000 |
| Teton County Wyoming | 1 | $ 980,000 | $ 980,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2003
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 (home purchase or home improvement, one-to-four family) | 6,600 | $726,341,000 | $337,750 | $2,900,000 | $203,666 | $3,799,000 |
| Home Purchase (one-to-four family) | 1,967 | $234,691,000 | $289,684 | $1,500,000 | $413,368 | $3,799,000 |
| Home Improvement (one-to-four family) | 1,324 | $25,128,000 | $15,272 | $703,000 | $66,636 | $924,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 42 | $14,971,000 | $388,000 | $2,875,000 | $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 | 7,664 | $741,682,000 | $241,791 | $2,000,000 | $227,875 | $3,799,000 |
| Information not provided by applicant in mail or telephone application | 1,502 | $175,858,000 | $397,450 | $1,500,000 | $379,500 | $3,480,000 |
| Black | 387 | $17,456,000 | $23,000 | $495,000 | $42,833 | $1,788,000 |
| Not applicable | 146 | $44,171,000 | $349,333 | $2,900,000 | $0 | $270,000 |
| Asian or Pacific Islander | 90 | $10,841,000 | $122,666 | $600,000 | $104,333 | $732,000 |
| Hispanic | 65 | $5,182,000 | $77,000 | $558,000 | $75,500 | $720,000 |
| Other | 43 | $3,124,000 | $54,250 | $328,000 | $76,500 | $1,000,000 |
| American Indian or Alaskan Native | 36 | $2,817,000 | $91,000 | $263,000 | $78,500 | $255,000 |
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) | 9,843 | $991,865,000 | $315,750 | $2,900,000 | $239,906 | $3,799,000 |
| VA-guaranteed (Veterans Administration) | 49 | $5,495,000 | $114,500 | $240,000 | $49,500 | $106,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,771,000 | $108,000 | $158,000 | $92,000 | $860,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 6,928 | $769,227,000 | $369,640 | $2,900,000 | $292,560 | $3,799,000 |
| Application Denied By Financial Institution | 1,682 | $90,528,000 | $101,307 | $999,000 | $95,153 | $1,032,000 |
| Application Approved But Not Accepted | 673 | $64,676,000 | $117,000 | $680,000 | $114,285 | $840,000 |
| Application Withdrawn By Applicant | 460 | $55,053,000 | $281,500 | $1,200,000 | $145,125 | $2,754,000 |
| File Closed For Incompleteness | 190 | $21,647,000 | $132,500 | $800,000 | $129,500 | $2,232,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 882 | $34,330,000 | $24,428 | $495,000 | $43,714 | $800,000 |
| Debt-To-Income Ratio | 428 | $35,921,000 | $67,333 | $850,000 | $39,333 | $223,000 |
| Other | 257 | $7,696,000 | $21,777 | $300,000 | $87,666 | $1,032,000 |
| Collateral | 80 | $9,979,000 | $378,000 | $999,000 | $169,750 | $420,000 |
| Employment History | 17 | $1,276,000 | $62,000 | $150,000 | $43,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,103,000 | $78,000 | $256,000 | $40,000 | $155,000 |
| Unverifiable Information | 2 | $163,000 | $81,500 | $100,000 | $44,500 | $60,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $108,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, N.A.'s 2003 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, N.A.'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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