Commerce Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Commerce Bank, N.A. 2004 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 | 6,544 |
| Total Mortgage Loan Application Amount | $650,331,000 |
| Average Mortgage Loan Application Amount | $218,282 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $169,076 |
| Highest Applicant Income | $6,480,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 612 | $ 77,372,000 | $ 126,000 | $ 71,000 |
| Jackson County Missouri | 549 | $ 38,578,000 | $ 70,000 | $ 86,000 |
| Buchanan County Missouri | 376 | $ 33,637,000 | $ 89,000 | $ 93,000 |
| Greene County Missouri | 345 | $ 37,807,000 | $ 109,000 | $ 91,000 |
| St. Charles County Missouri | 255 | $ 19,939,000 | $ 78,000 | $ 65,000 |
| Boone County Missouri | 254 | $ 28,558,000 | $ 112,000 | $ 52,000 |
| Johnson County Kansas | 251 | $ 33,371,000 | $ 132,000 | $ 82,000 |
| Jefferson County Missouri | 222 | $ 12,420,000 | $ 55,000 | $ 51,000 |
| St. Louis City County Missouri | 211 | $ 12,325,000 | $ 58,000 | $ 50,000 |
| Cape Girardeau County Missouri | 205 | $ 27,104,000 | $ 132,000 | $ 53,000 |
| McLean County Illinois | 190 | $ 31,319,000 | $ 164,000 | $ 105,000 |
| Riley County Kansas | 150 | $ 15,311,000 | $ 102,000 | $ 69,000 |
| Butler County Missouri | 146 | $ 12,391,000 | $ 84,000 | $ 59,000 |
| Randolph County Missouri | 134 | $ 8,894,000 | $ 66,000 | $ 45,000 |
| Douglas County Kansas | 131 | $ 19,313,000 | $ 147,000 | $ 73,000 |
| St. Francois County Missouri | 128 | $ 8,989,000 | $ 70,000 | $ 41,000 |
| Peoria County Illinois | 110 | $ 10,063,000 | $ 91,000 | $ 71,000 |
| Clay County Missouri | 99 | $ 6,853,000 | $ 69,000 | $ 60,000 |
| Laclede County Missouri | 97 | $ 8,225,000 | $ 84,000 | $ 52,000 |
| Leavenworth County Kansas | 87 | $ 8,226,000 | $ 94,000 | $ 94,000 |
| Crawford County Kansas | 85 | $ 7,168,000 | $ 84,000 | $ 74,000 |
| Audrain County Missouri | 82 | $ 5,510,000 | $ 67,000 | $ 40,000 |
| Christian County Missouri | 81 | $ 8,830,000 | $ 109,000 | $ 56,000 |
| Polk County Missouri | 71 | $ 5,741,000 | $ 80,000 | $ 49,000 |
| Jasper County Missouri | 70 | $ 4,841,000 | $ 69,000 | $ 53,000 |
| Cass County Missouri | 69 | $ 5,889,000 | $ 85,000 | $ 61,000 |
| Barry County Missouri | 65 | $ 5,226,000 | $ 80,000 | $ 56,000 |
| Marion County Missouri | 60 | $ 4,153,000 | $ 69,000 | $ 98,000 |
| Andrew County Missouri | 59 | $ 8,999,000 | $ 152,000 | $ 68,000 |
| Moniteau County Missouri | 58 | $ 3,913,000 | $ 67,000 | $ 44,000 |
| Cherokee County Kansas | 54 | $ 3,156,000 | $ 58,000 | $ 71,000 |
| Wyandotte County Kansas | 50 | $ 3,533,000 | $ 70,000 | $ 64,000 |
| Montgomery County Kansas | 39 | $ 2,367,000 | $ 60,000 | $ 42,000 |
| Tazewell County Illinois | 36 | $ 2,967,000 | $ 82,000 | $ 70,000 |
| Platte County Missouri | 34 | $ 6,361,000 | $ 187,000 | $ 115,000 |
| Pottawatomie County Kansas | 31 | $ 2,390,000 | $ 77,000 | $ 52,000 |
| Scott County Missouri | 28 | $ 2,021,000 | $ 72,000 | $ 41,000 |
| Ralls County Missouri | 27 | $ 2,091,000 | $ 77,000 | $ 41,000 |
| Camden County Missouri | 24 | $ 3,060,000 | $ 127,000 | $ 101,000 |
| Newton County Missouri | 24 | $ 2,342,000 | $ 97,000 | $ 65,000 |
| Woodford County Illinois | 23 | $ 2,035,000 | $ 88,000 | $ 70,000 |
| Lincoln County Missouri | 21 | $ 1,726,000 | $ 82,000 | $ 53,000 |
| Stone County Missouri | 20 | $ 2,511,000 | $ 125,000 | $ 78,000 |
| Ste. Genevieve County Missouri | 19 | $ 1,021,000 | $ 53,000 | $ 33,000 |
| Lawrence County Missouri | 18 | $ 1,195,000 | $ 66,000 | $ 82,000 |
| Morgan County Missouri | 17 | $ 1,890,000 | $ 111,000 | $ 67,000 |
| Ripley County Missouri | 17 | $ 1,793,000 | $ 105,000 | $ 38,000 |
| Taney County Missouri | 17 | $ 2,252,000 | $ 132,000 | $ 97,000 |
| Dallas County Missouri | 15 | $ 1,466,000 | $ 97,000 | $ 114,000 |
| Wayne County Missouri | 15 | $ 1,211,000 | $ 80,000 | $ 61,000 |
| St. Clair County Illinois | 14 | $ 1,336,000 | $ 95,000 | $ 52,000 |
| Miami County Kansas | 14 | $ 1,559,000 | $ 111,000 | $ 84,000 |
| Callaway County Missouri | 14 | $ 1,173,000 | $ 83,000 | $ 43,000 |
| Cooper County Missouri | 14 | $ 1,082,000 | $ 77,000 | $ 61,000 |
| Jefferson County Kansas | 13 | $ 977,000 | $ 75,000 | $ 53,000 |
| Hickory County Missouri | 13 | $ 942,000 | $ 72,000 | $ 57,000 |
| Warren County Missouri | 13 | $ 973,000 | $ 74,000 | $ 54,000 |
| Holt County Missouri | 12 | $ 595,000 | $ 49,000 | $ 65,000 |
| Franklin County Missouri | 10 | $ 1,116,000 | $ 111,000 | $ 55,000 |
| Lafayette County Missouri | 10 | $ 678,000 | $ 67,000 | $ 50,000 |
| Monroe County Missouri | 10 | $ 1,016,000 | $ 101,000 | $ 51,000 |
| Cole County Missouri | 9 | $ 1,525,000 | $ 169,000 | $ 59,000 |
| Webster County Missouri | 9 | $ 939,000 | $ 104,000 | $ 102,000 |
| Geary County Kansas | 8 | $ 330,000 | $ 41,000 | $ 46,000 |
| Carter County Missouri | 8 | $ 788,000 | $ 98,000 | $ 60,000 |
| DeKalb County Missouri | 8 | $ 581,000 | $ 72,000 | $ 62,000 |
| Clinton County Missouri | 7 | $ 681,000 | $ 97,000 | $ 63,000 |
| Dunklin County Missouri | 7 | $ 333,000 | $ 47,000 | $ 40,000 |
| Macon County Missouri | 7 | $ 753,000 | $ 107,000 | $ 39,000 |
| Madison County Missouri | 7 | $ 291,000 | $ 41,000 | $ 37,000 |
| Stoddard County Missouri | 7 | $ 437,000 | $ 62,000 | $ 63,000 |
| Washington County Missouri | 7 | $ 378,000 | $ 54,000 | $ 29,000 |
| Cook County Illinois | 6 | $ 1,282,000 | $ 213,000 | $ 88,000 |
| Madison County Illinois | 6 | $ 394,000 | $ 65,000 | $ 45,000 |
| Bollinger County Missouri | 6 | $ 504,000 | $ 84,000 | $ 45,000 |
| Nodaway County Missouri | 6 | $ 307,000 | $ 51,000 | $ 58,000 |
| Pike County Missouri | 6 | $ 1,125,000 | $ 187,000 | $ 81,000 |
| Reynolds County Missouri | 6 | $ 678,000 | $ 113,000 | $ 48,000 |
| Alexander County Illinois | 5 | $ 160,000 | $ 32,000 | $ 32,000 |
| Doniphan County Kansas | 5 | $ 820,000 | $ 164,000 | $ 128,000 |
| Shawnee County Kansas | 5 | $ 559,000 | $ 111,000 | $ 106,000 |
| Gentry County Missouri | 5 | $ 709,000 | $ 141,000 | $ 106,000 |
| Maricopa County Arizona | 4 | $ 1,531,000 | $ 382,000 | $ 429,000 |
| Monroe County Illinois | 4 | $ 222,000 | $ 55,000 | $ 94,000 |
| Sedgwick County Kansas | 4 | $ 588,000 | $ 147,000 | $ 61,000 |
| Cedar County Missouri | 4 | $ 298,000 | $ 74,000 | $ 46,000 |
| Howard County Missouri | 4 | $ 294,000 | $ 73,000 | $ 22,000 |
| Iron County Missouri | 4 | $ 166,000 | $ 41,000 | $ 48,000 |
| Johnson County Missouri | 4 | $ 275,000 | $ 68,000 | $ 65,000 |
| Perry County Missouri | 4 | $ 337,000 | $ 84,000 | $ 63,000 |
| Delaware County Oklahoma | 4 | $ 180,000 | $ 45,000 | $ 58,000 |
| San Diego County California | 3 | $ 914,000 | $ 304,000 | $ 300,000 |
| Collier County Florida | 3 | $ 988,000 | $ 329,000 | $ 176,000 |
| Champaign County Illinois | 3 | $ 3,147,000 | $ 1,049,000 | $ 0 |
| DuPage County Illinois | 3 | $ 2,673,000 | $ 891,000 | $ 710,000 |
| Sangamon County Illinois | 3 | $ 184,000 | $ 61,000 | $ 11,000 |
| Bates County Missouri | 3 | $ 212,000 | $ 70,000 | $ 43,000 |
| Chariton County Missouri | 3 | $ 165,000 | $ 55,000 | $ 54,000 |
| Henry County Missouri | 3 | $ 131,000 | $ 43,000 | $ 39,000 |
| Lewis County Missouri | 3 | $ 210,000 | $ 70,000 | $ 95,000 |
| Pettis County Missouri | 3 | $ 390,000 | $ 130,000 | $ 80,000 |
| Pulaski County Missouri | 3 | $ 215,000 | $ 71,000 | $ 45,000 |
| Ray County Missouri | 3 | $ 228,000 | $ 76,000 | $ 47,000 |
| St. Clair County Missouri | 3 | $ 168,000 | $ 56,000 | $ 63,000 |
| Riverside County California | 2 | $ 3,203,000 | $ 1,601,000 | $ 2,602,000 |
| Eagle County Colorado | 2 | $ 1,029,000 | $ 514,000 | $ 126,000 |
| La Plata County Colorado | 2 | $ 450,000 | $ 225,000 | $ 84,000 |
| Okaloosa County Florida | 2 | $ 362,000 | $ 181,000 | $ 1,539,000 |
| Sarasota County Florida | 2 | $ 1,601,000 | $ 800,000 | $ 487,000 |
| Bureau County Illinois | 2 | $ 299,000 | $ 149,000 | $ 100,000 |
| Clinton County Illinois | 2 | $ 150,000 | $ 75,000 | $ 92,000 |
| Fayette County Illinois | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Macon County Illinois | 2 | $ 450,000 | $ 225,000 | $ 61,000 |
| Morris County Kansas | 2 | $ 96,000 | $ 48,000 | $ 44,000 |
| Wabaunsee County Kansas | 2 | $ 52,000 | $ 26,000 | $ 45,000 |
| Caldwell County Missouri | 2 | $ 28,000 | $ 14,000 | $ 36,000 |
| Daviess County Missouri | 2 | $ 364,000 | $ 182,000 | $ 257,000 |
| Livingston County Missouri | 2 | $ 104,000 | $ 52,000 | $ 18,000 |
| Miller County Missouri | 2 | $ 465,000 | $ 232,000 | $ 282,000 |
| Phelps County Missouri | 2 | $ 155,000 | $ 77,000 | $ 25,000 |
| Wright County Missouri | 2 | $ 48,000 | $ 24,000 | $ 30,000 |
| Ottawa County Oklahoma | 2 | $ 148,000 | $ 74,000 | $ 67,000 |
| Pike County Alabama | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Coconino County Arizona | 1 | $ 300,000 | $ 300,000 | $ 154,000 |
| Yavapai County Arizona | 1 | $ 196,000 | $ 196,000 | $ 385,000 |
| Baxter County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Benton County Arkansas | 1 | $ 94,000 | $ 94,000 | $ 168,000 |
| Boone County Arkansas | 1 | $ 96,000 | $ 96,000 | $ 36,000 |
| Randolph County Arkansas | 1 | $ 210,000 | $ 210,000 | $ 21,000 |
| Los Angeles County California | 1 | $ 593,000 | $ 593,000 | $ 167,000 |
| Boulder County Colorado | 1 | $ 890,000 | $ 890,000 | $ 120,000 |
| Larimer County Colorado | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Pitkin County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Summit County Colorado | 1 | $ 150,000 | $ 150,000 | $ 500,000 |
| New Haven County Connecticut | 1 | $ 130,000 | $ 130,000 | $ 334,000 |
| Flagler County Florida | 1 | $ 840,000 | $ 840,000 | $ 180,000 |
| Lee County Florida | 1 | $ 413,000 | $ 413,000 | $ 988,000 |
| Martin County Florida | 1 | $ 139,000 | $ 139,000 | $ 138,000 |
| Miami-Dade County Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,400,000 |
| Palm Beach County Florida | 1 | $ 350,000 | $ 350,000 | $ 550,000 |
| Pasco County Florida | 1 | $ 72,000 | $ 72,000 | $ 103,000 |
| Pinellas County Florida | 1 | $ 260,000 | $ 260,000 | $ 254,000 |
| Seminole County Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 176,000 |
| St. Lucie County Florida | 1 | $ 360,000 | $ 360,000 | $ 346,000 |
| Walton County Florida | 1 | $ 150,000 | $ 150,000 | $ 503,000 |
| Cobb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Adams County Illinois | 1 | $ 175,000 | $ 175,000 | $ 159,000 |
| Fulton County Illinois | 1 | $ 2,000 | $ 2,000 | $ 52,000 |
| Henderson County Illinois | 1 | $ 33,000 | $ 33,000 | $ 109,000 |
| Iroquois County Illinois | 1 | $ 260,000 | $ 260,000 | $ 450,000 |
| Jersey County Illinois | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Lake County Illinois | 1 | $ 334,000 | $ 334,000 | $ 128,000 |
| Livingston County Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Marshall County Illinois | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| McHenry County Illinois | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Morgan County Illinois | 1 | $ 6,000 | $ 6,000 | $ 23,000 |
| Stark County Illinois | 1 | $ 44,000 | $ 44,000 | $ 16,000 |
| Washington County Illinois | 1 | $ 90,000 | $ 90,000 | $ 168,000 |
| White County Illinois | 1 | $ 113,000 | $ 113,000 | $ 84,000 |
| Will County Illinois | 1 | $ 204,000 | $ 204,000 | $ 103,000 |
| Clinton County Iowa | 1 | $ 447,000 | $ 447,000 | $ 137,000 |
| Johnson County Iowa | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Allen County Kansas | 1 | $ 67,000 | $ 67,000 | $ 79,000 |
| Atchison County Kansas | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Bourbon County Kansas | 1 | $ 57,000 | $ 57,000 | $ 61,000 |
| Brown County Kansas | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Chautauqua County Kansas | 1 | $ 70,000 | $ 70,000 | $ 74,000 |
| Clay County Kansas | 1 | $ 66,000 | $ 66,000 | $ 39,000 |
| Coffey County Kansas | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Elk County Kansas | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Finney County Kansas | 1 | $ 60,000 | $ 60,000 | $ 107,000 |
| Labette County Kansas | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Reno County Kansas | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Sumner County Kansas | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Wilson County Kansas | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Marshall County Kentucky | 1 | $ 230,000 | $ 230,000 | $ 220,000 |
| Montgomery County Maryland | 1 | $ 33,000 | $ 33,000 | $ 62,000 |
| Prince George's County Maryland | 1 | $ 7,000 | $ 7,000 | $ 30,000 |
| Atchison County Missouri | 1 | $ 7,000 | $ 7,000 | $ 108,000 |
| Benton County Missouri | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Crawford County Missouri | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Dade County Missouri | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Dent County Missouri | 1 | $ 72,000 | $ 72,000 | $ 100,000 |
| Gasconade County Missouri | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Harrison County Missouri | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Linn County Missouri | 1 | $ 29,000 | $ 29,000 | $ 25,000 |
| Mercer County Missouri | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Oregon County Missouri | 1 | $ 35,000 | $ 35,000 | $ 11,000 |
| Osage County Missouri | 1 | $ 160,000 | $ 160,000 | $ 464,000 |
| Ozark County Missouri | 1 | $ 60,000 | $ 60,000 | $ 124,000 |
| Shannon County Missouri | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| Shelby County Missouri | 1 | $ 13,000 | $ 13,000 | $ 69,000 |
| Sullivan County Missouri | 1 | $ 13,000 | $ 13,000 | $ 130,000 |
| Texas County Missouri | 1 | $ 76,000 | $ 76,000 | $ 55,000 |
| Box Butte County Nebraska | 1 | $ 21,000 | $ 21,000 | $ 43,000 |
| Buffalo County Nebraska | 1 | $ 117,000 | $ 117,000 | $ 38,000 |
| Burlington County New Jersey | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Camden County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Mecklenburg County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Randolph County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 102,000 |
| Transylvania County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 130,000 |
| Beaufort County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 128,000 |
| Robertson County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 46,000 |
| Shelby County Tennessee | 1 | $ 268,000 | $ 268,000 | $ 86,000 |
| Tarrant County Texas | 1 | $ 96,000 | $ 96,000 | $ 1,212,000 |
| Travis County Texas | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2004
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 | 2,842 | $338,009,000 | $285,583 | $3,000,000 | $269,666 | $5,000,000 |
| Home Purchase | 2,300 | $278,454,000 | $206,105 | $2,640,000 | $158,263 | $6,480,000 |
| Home Improvement | 1,402 | $33,868,000 | $146,250 | $1,748,000 | $43,875 | $1,299,000 |
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 | 5,134 | $501,380,000 | $183,217 | $3,000,000 | $213,173 | $6,480,000 |
| Not Provided | 734 | $75,525,000 | $292,400 | $1,136,000 | $197,100 | $2,400,000 |
| Black or African American | 303 | $16,563,000 | $58,800 | $640,000 | $54,800 | $691,000 |
| Not applicable | 142 | $33,003,000 | $459,333 | $1,900,000 | $44,666 | $1,562,000 |
| Hispanic | 97 | $7,993,000 | $94,000 | $480,000 | $58,750 | $550,000 |
| Asian | 92 | $13,978,000 | $202,750 | $2,400,000 | $71,250 | $1,055,000 |
| American Indian or Alaskan Native | 35 | $1,608,000 | $45,000 | $290,000 | $40,750 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $281,000 | $37,000 | $105,000 | $60,000 | $102,000 |
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) | 6,403 | $636,590,000 | $215,000 | $3,000,000 | $180,173 | $6,480,000 |
| FHA-insured (Federal Housing Administration) | 71 | $6,329,000 | $99,333 | $176,000 | $42,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 70 | $7,412,000 | $129,250 | $240,000 | $54,750 | $93,000 |
| 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 | 4,187 | $461,736,000 | $246,300 | $3,000,000 | $201,550 | $5,000,000 |
| Application Denied By Financial Institution | 1,160 | $59,985,000 | $33,857 | $585,000 | $45,428 | $960,000 |
| Application Approved But Not Accepted | 471 | $45,293,000 | $112,800 | $1,000,000 | $215,200 | $765,000 |
| Application Withdrawn By Applicant | 318 | $39,469,000 | $152,750 | $2,640,000 | $109,750 | $6,010,000 |
| Preapproval Denied by Financial Institution | 290 | $28,944,000 | $99,000 | $640,000 | $38,000 | $251,000 |
| File Closed For Incompleteness | 118 | $14,904,000 | $190,250 | $583,000 | $104,500 | $6,480,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 763 | $38,211,000 | $39,857 | $640,000 | $39,285 | $960,000 |
| Debt-To-Income Ratio | 406 | $35,331,000 | $78,800 | $435,000 | $42,000 | $293,000 |
| Other | 177 | $4,529,000 | $41,400 | $200,000 | $62,800 | $589,000 |
| Collateral | 54 | $6,224,000 | $113,333 | $375,000 | $64,333 | $200,000 |
| Employment History | 24 | $1,688,000 | $84,500 | $155,000 | $54,000 | $339,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $2,731,000 | $97,333 | $480,000 | $56,666 | $550,000 |
| Unverifiable Information | 3 | $215,000 | $98,500 | $180,000 | $69,000 | $116,000 |
| Credit Application Incomplete | 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, N.A.'s 2004 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.