Commerce Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Commerce Bank, N.A. 2005 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 | 6,911 |
| Total Mortgage Loan Application Amount | $658,431,000 |
| Average Mortgage Loan Application Amount | $221,893 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $182,446 |
| Highest Applicant Income | $3,547,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 694 | $ 74,831,000 | $ 107,000 | $ 92,000 |
| Jackson County Missouri | 531 | $ 40,057,000 | $ 75,000 | $ 84,000 |
| Greene County Missouri | 349 | $ 36,982,000 | $ 105,000 | $ 84,000 |
| Buchanan County Missouri | 341 | $ 28,918,000 | $ 84,000 | $ 83,000 |
| St. Charles County Missouri | 328 | $ 26,953,000 | $ 82,000 | $ 113,000 |
| Johnson County Kansas | 312 | $ 40,390,000 | $ 129,000 | $ 113,000 |
| Boone County Missouri | 290 | $ 32,576,000 | $ 112,000 | $ 64,000 |
| Jefferson County Missouri | 275 | $ 15,896,000 | $ 57,000 | $ 62,000 |
| St. Louis City County Missouri | 242 | $ 12,111,000 | $ 50,000 | $ 64,000 |
| St. Francois County Missouri | 186 | $ 12,660,000 | $ 68,000 | $ 49,000 |
| McLean County Illinois | 157 | $ 17,303,000 | $ 110,000 | $ 95,000 |
| Butler County Missouri | 140 | $ 12,618,000 | $ 90,000 | $ 75,000 |
| Clay County Missouri | 135 | $ 9,278,000 | $ 68,000 | $ 66,000 |
| Randolph County Missouri | 132 | $ 8,155,000 | $ 61,000 | $ 49,000 |
| Cape Girardeau County Missouri | 116 | $ 13,879,000 | $ 119,000 | $ 59,000 |
| Riley County Kansas | 115 | $ 15,180,000 | $ 132,000 | $ 62,000 |
| Douglas County Kansas | 112 | $ 16,003,000 | $ 142,000 | $ 80,000 |
| Laclede County Missouri | 107 | $ 9,201,000 | $ 85,000 | $ 50,000 |
| Jasper County Missouri | 103 | $ 7,893,000 | $ 76,000 | $ 51,000 |
| Polk County Missouri | 95 | $ 7,701,000 | $ 81,000 | $ 101,000 |
| Crawford County Kansas | 92 | $ 6,893,000 | $ 74,000 | $ 84,000 |
| Christian County Missouri | 92 | $ 12,641,000 | $ 137,000 | $ 69,000 |
| Peoria County Illinois | 88 | $ 8,916,000 | $ 101,000 | $ 88,000 |
| Leavenworth County Kansas | 86 | $ 8,215,000 | $ 95,000 | $ 126,000 |
| Audrain County Missouri | 77 | $ 5,440,000 | $ 70,000 | $ 49,000 |
| Cass County Missouri | 77 | $ 4,944,000 | $ 64,000 | $ 69,000 |
| Barry County Missouri | 63 | $ 4,634,000 | $ 73,000 | $ 57,000 |
| Moniteau County Missouri | 62 | $ 4,033,000 | $ 65,000 | $ 52,000 |
| Wyandotte County Kansas | 58 | $ 2,423,000 | $ 41,000 | $ 47,000 |
| Marion County Missouri | 58 | $ 3,111,000 | $ 53,000 | $ 63,000 |
| Tazewell County Illinois | 57 | $ 5,414,000 | $ 94,000 | $ 69,000 |
| Cherokee County Kansas | 54 | $ 3,839,000 | $ 71,000 | $ 67,000 |
| Andrew County Missouri | 43 | $ 5,720,000 | $ 133,000 | $ 76,000 |
| Platte County Missouri | 43 | $ 7,829,000 | $ 182,000 | $ 136,000 |
| Montgomery County Kansas | 38 | $ 2,087,000 | $ 54,000 | $ 45,000 |
| Newton County Missouri | 34 | $ 12,520,000 | $ 368,000 | $ 67,000 |
| Woodford County Illinois | 28 | $ 2,606,000 | $ 93,000 | $ 66,000 |
| Pottawatomie County Kansas | 28 | $ 2,802,000 | $ 100,000 | $ 60,000 |
| Lincoln County Missouri | 25 | $ 2,089,000 | $ 83,000 | $ 74,000 |
| St. Clair County Illinois | 24 | $ 1,751,000 | $ 72,000 | $ 60,000 |
| Callaway County Missouri | 23 | $ 2,194,000 | $ 95,000 | $ 39,000 |
| Taney County Missouri | 23 | $ 3,961,000 | $ 172,000 | $ 77,000 |
| Camden County Missouri | 22 | $ 4,691,000 | $ 213,000 | $ 92,000 |
| Warren County Missouri | 20 | $ 1,211,000 | $ 60,000 | $ 59,000 |
| Franklin County Missouri | 19 | $ 2,031,000 | $ 106,000 | $ 58,000 |
| Scott County Missouri | 19 | $ 1,247,000 | $ 65,000 | $ 65,000 |
| Stone County Missouri | 19 | $ 3,163,000 | $ 166,000 | $ 112,000 |
| Hickory County Missouri | 18 | $ 1,173,000 | $ 65,000 | $ 83,000 |
| Cooper County Missouri | 17 | $ 1,121,000 | $ 65,000 | $ 137,000 |
| Ralls County Missouri | 16 | $ 1,968,000 | $ 123,000 | $ 89,000 |
| Wayne County Missouri | 16 | $ 930,000 | $ 58,000 | $ 82,000 |
| Ste. Genevieve County Missouri | 15 | $ 1,284,000 | $ 85,000 | $ 108,000 |
| Madison County Illinois | 14 | $ 1,065,000 | $ 76,000 | $ 58,000 |
| Lawrence County Missouri | 14 | $ 640,000 | $ 45,000 | $ 70,000 |
| Carter County Missouri | 13 | $ 994,000 | $ 76,000 | $ 47,000 |
| Dallas County Missouri | 13 | $ 1,232,000 | $ 94,000 | $ 55,000 |
| Morgan County Missouri | 13 | $ 1,252,000 | $ 96,000 | $ 55,000 |
| Lafayette County Missouri | 12 | $ 1,077,000 | $ 89,000 | $ 51,000 |
| Jefferson County Kansas | 11 | $ 568,000 | $ 51,000 | $ 48,000 |
| Cedar County Missouri | 11 | $ 803,000 | $ 73,000 | $ 33,000 |
| Clinton County Missouri | 11 | $ 1,141,000 | $ 103,000 | $ 46,000 |
| Cole County Missouri | 11 | $ 841,000 | $ 76,000 | $ 50,000 |
| Monroe County Missouri | 11 | $ 983,000 | $ 89,000 | $ 59,000 |
| Washington County Missouri | 11 | $ 889,000 | $ 80,000 | $ 199,000 |
| Webster County Missouri | 11 | $ 899,000 | $ 81,000 | $ 48,000 |
| Geary County Kansas | 10 | $ 560,000 | $ 56,000 | $ 43,000 |
| Miami County Kansas | 9 | $ 818,000 | $ 90,000 | $ 68,000 |
| Holt County Missouri | 9 | $ 295,000 | $ 32,000 | $ 44,000 |
| Iron County Missouri | 8 | $ 395,000 | $ 49,000 | $ 42,000 |
| Johnson County Missouri | 8 | $ 856,000 | $ 107,000 | $ 50,000 |
| Macon County Missouri | 8 | $ 1,506,000 | $ 188,000 | $ 117,000 |
| Ripley County Missouri | 8 | $ 648,000 | $ 81,000 | $ 45,000 |
| Madison County Missouri | 7 | $ 324,000 | $ 46,000 | $ 43,000 |
| Barton County Missouri | 6 | $ 247,000 | $ 41,000 | $ 40,000 |
| Daviess County Missouri | 6 | $ 641,000 | $ 106,000 | $ 81,000 |
| Stoddard County Missouri | 6 | $ 558,000 | $ 93,000 | $ 96,000 |
| Labette County Kansas | 5 | $ 336,000 | $ 67,000 | $ 58,000 |
| Shawnee County Kansas | 5 | $ 238,000 | $ 47,000 | $ 29,000 |
| Bollinger County Missouri | 5 | $ 212,000 | $ 42,000 | $ 39,000 |
| DeKalb County Missouri | 5 | $ 291,000 | $ 58,000 | $ 77,000 |
| Los Angeles County California | 4 | $ 2,055,000 | $ 513,000 | $ 208,000 |
| Champaign County Illinois | 4 | $ 1,962,000 | $ 490,000 | $ 46,000 |
| Sangamon County Illinois | 4 | $ 214,000 | $ 53,000 | $ 117,000 |
| Atchison County Kansas | 4 | $ 403,000 | $ 100,000 | $ 65,000 |
| Franklin County Kansas | 4 | $ 136,000 | $ 34,000 | $ 63,000 |
| Crawford County Missouri | 4 | $ 333,000 | $ 83,000 | $ 187,000 |
| Pike County Missouri | 4 | $ 715,000 | $ 178,000 | $ 75,000 |
| Pulaski County Missouri | 4 | $ 485,000 | $ 121,000 | $ 48,000 |
| Wright County Missouri | 4 | $ 258,000 | $ 64,000 | $ 42,000 |
| Cobb County Georgia | 3 | $ 470,000 | $ 156,000 | $ 96,000 |
| Cook County Illinois | 3 | $ 737,000 | $ 245,000 | $ 146,000 |
| Fulton County Illinois | 3 | $ 170,000 | $ 56,000 | $ 37,000 |
| Jersey County Illinois | 3 | $ 371,000 | $ 123,000 | $ 42,000 |
| Doniphan County Kansas | 3 | $ 83,000 | $ 27,000 | $ 34,000 |
| Sedgwick County Kansas | 3 | $ 623,000 | $ 207,000 | $ 143,000 |
| Wilson County Kansas | 3 | $ 195,000 | $ 65,000 | $ 59,000 |
| Dade County Missouri | 3 | $ 175,000 | $ 58,000 | $ 28,000 |
| Miller County Missouri | 3 | $ 263,000 | $ 87,000 | $ 39,000 |
| Oregon County Missouri | 3 | $ 163,000 | $ 54,000 | $ 42,000 |
| Ray County Missouri | 3 | $ 114,000 | $ 38,000 | $ 46,000 |
| Shelby County Missouri | 3 | $ 207,000 | $ 69,000 | $ 41,000 |
| Coconino County Arizona | 2 | $ 459,000 | $ 229,000 | $ 48,000 |
| Collier County Florida | 2 | $ 1,900,000 | $ 950,000 | $ 383,000 |
| Lee County Florida | 2 | $ 647,000 | $ 323,000 | $ 150,000 |
| Palm Beach County Florida | 2 | $ 1,334,000 | $ 667,000 | $ 845,000 |
| St. Johns County Florida | 2 | $ 301,000 | $ 150,000 | $ 243,000 |
| Iroquois County Illinois | 2 | $ 455,000 | $ 227,000 | $ 83,000 |
| Macon County Illinois | 2 | $ 101,000 | $ 50,000 | $ 100,000 |
| Macoupin County Illinois | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Monroe County Illinois | 2 | $ 230,000 | $ 115,000 | $ 266,000 |
| Dickinson County Kansas | 2 | $ 310,000 | $ 155,000 | $ 84,000 |
| Finney County Kansas | 2 | $ 175,000 | $ 87,000 | $ 54,000 |
| Wabaunsee County Kansas | 2 | $ 117,000 | $ 58,000 | $ 58,000 |
| Benton County Missouri | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Douglas County Missouri | 2 | $ 188,000 | $ 94,000 | $ 57,000 |
| Gentry County Missouri | 2 | $ 158,000 | $ 79,000 | $ 72,000 |
| Harrison County Missouri | 2 | $ 95,000 | $ 47,000 | $ 59,000 |
| McDonald County Missouri | 2 | $ 182,000 | $ 91,000 | $ 51,000 |
| Montgomery County Missouri | 2 | $ 290,000 | $ 145,000 | $ 57,000 |
| Osage County Missouri | 2 | $ 40,000 | $ 20,000 | $ 362,000 |
| Perry County Missouri | 2 | $ 89,000 | $ 44,000 | $ 25,000 |
| Phelps County Missouri | 2 | $ 233,000 | $ 116,000 | $ 39,000 |
| Reynolds County Missouri | 2 | $ 201,000 | $ 100,000 | $ 61,000 |
| Ottawa County Oklahoma | 2 | $ 201,000 | $ 100,000 | $ 43,000 |
| Washington County Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 75,000 |
| Cullman County Alabama | 1 | $ 300,000 | $ 300,000 | $ 534,000 |
| Maricopa County Arizona | 1 | $ 308,000 | $ 308,000 | $ 100,000 |
| Pima County Arizona | 1 | $ 410,000 | $ 410,000 | $ 591,000 |
| Baxter County Arkansas | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Benton County Arkansas | 1 | $ 228,000 | $ 228,000 | $ 55,000 |
| Carroll County Arkansas | 1 | $ 6,000 | $ 6,000 | $ 78,000 |
| Randolph County Arkansas | 1 | $ 210,000 | $ 210,000 | $ 52,000 |
| Riverside County California | 1 | $ 800,000 | $ 800,000 | $ 325,000 |
| San Diego County California | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Douglas County Colorado | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Garfield County Colorado | 1 | $ 200,000 | $ 200,000 | $ 10,000 |
| La Plata County Colorado | 1 | $ 115,000 | $ 115,000 | $ 396,000 |
| Pitkin County Colorado | 1 | $ 900,000 | $ 900,000 | $ 512,000 |
| Routt County Colorado | 1 | $ 102,000 | $ 102,000 | $ 1,723,000 |
| District of Columbia County District Of Columbia | 1 | $ 141,000 | $ 141,000 | $ 500,000 |
| Broward County Florida | 1 | $ 260,000 | $ 260,000 | $ 260,000 |
| Duval County Florida | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Franklin County Florida | 1 | $ 312,000 | $ 312,000 | $ 340,000 |
| Nassau County Florida | 1 | $ 900,000 | $ 900,000 | $ 783,000 |
| Osceola County Florida | 1 | $ 291,000 | $ 291,000 | $ 396,000 |
| Walton County Florida | 1 | $ 860,000 | $ 860,000 | $ 575,000 |
| Blaine County Idaho | 1 | $ 1,100,000 | $ 1,100,000 | $ 427,000 |
| Adams County Illinois | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Alexander County Illinois | 1 | $ 4,000 | $ 4,000 | $ 38,000 |
| Clark County Illinois | 1 | $ 7,000 | $ 7,000 | $ 28,000 |
| Clinton County Illinois | 1 | $ 37,000 | $ 37,000 | $ 93,000 |
| De Witt County Illinois | 1 | $ 160,000 | $ 160,000 | $ 140,000 |
| Effingham County Illinois | 1 | $ 120,000 | $ 120,000 | $ 196,000 |
| Jackson County Illinois | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Jefferson County Illinois | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Knox County Illinois | 1 | $ 16,000 | $ 16,000 | $ 15,000 |
| Marshall County Illinois | 1 | $ 30,000 | $ 30,000 | $ 22,000 |
| Mason County Illinois | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| McHenry County Illinois | 1 | $ 20,000 | $ 20,000 | $ 149,000 |
| Mercer County Illinois | 1 | $ 22,000 | $ 22,000 | $ 5,000 |
| Pike County Illinois | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Randolph County Illinois | 1 | $ 17,000 | $ 17,000 | $ 24,000 |
| Stark County Illinois | 1 | $ 72,000 | $ 72,000 | $ 226,000 |
| Vermilion County Illinois | 1 | $ 42,000 | $ 42,000 | $ 139,000 |
| Will County Illinois | 1 | $ 170,000 | $ 170,000 | $ 36,000 |
| Winnebago County Illinois | 1 | $ 138,000 | $ 138,000 | $ 185,000 |
| Marion County Indiana | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Johnson County Iowa | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Van Buren County Iowa | 1 | $ 9,000 | $ 9,000 | $ 59,000 |
| Bourbon County Kansas | 1 | $ 128,000 | $ 128,000 | $ 47,000 |
| Brown County Kansas | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Chautauqua County Kansas | 1 | $ 2,000 | $ 2,000 | $ 42,000 |
| Clay County Kansas | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Elk County Kansas | 1 | $ 28,000 | $ 28,000 | $ 31,000 |
| Ellis County Kansas | 1 | $ 44,000 | $ 44,000 | $ 86,000 |
| Jackson County Kansas | 1 | $ 258,000 | $ 258,000 | $ 178,000 |
| Linn County Kansas | 1 | $ 24,000 | $ 24,000 | $ 17,000 |
| Marshall County Kansas | 1 | $ 54,000 | $ 54,000 | $ 40,000 |
| Rooks County Kansas | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Simpson County Kentucky | 1 | $ 8,000 | $ 8,000 | $ 27,000 |
| Leelanau County Michigan | 1 | $ 550,000 | $ 550,000 | $ 419,000 |
| Oceana County Michigan | 1 | $ 744,000 | $ 744,000 | $ 1,560,000 |
| Hennepin County Minnesota | 1 | $ 62,000 | $ 62,000 | $ 78,000 |
| Adair County Missouri | 1 | $ 163,000 | $ 163,000 | $ 42,000 |
| Carroll County Missouri | 1 | $ 48,000 | $ 48,000 | $ 57,000 |
| Dunklin County Missouri | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Howard County Missouri | 1 | $ 200,000 | $ 200,000 | $ 36,000 |
| Howell County Missouri | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Knox County Missouri | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Mercer County Missouri | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| New Madrid County Missouri | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Nodaway County Missouri | 1 | $ 53,000 | $ 53,000 | $ 22,000 |
| Ozark County Missouri | 1 | $ 120,000 | $ 120,000 | $ 9,000 |
| Putnam County Missouri | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Saline County Missouri | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| St. Clair County Missouri | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Lancaster County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Atlantic County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Ocean County New Jersey | 1 | $ 6,000 | $ 6,000 | $ 18,000 |
| Union County New Jersey | 1 | $ 32,000 | $ 32,000 | $ 82,000 |
| Dona Ana County New Mexico | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Kings County New York | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Caldwell County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 100,000 |
| Carteret County North Carolina | 1 | $ 675,000 | $ 675,000 | $ 624,000 |
| Delaware County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Monroe County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 340,000 |
| Philadelphia County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Davidson County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Bexar County Texas | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Collin County Texas | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| McLennan County Texas | 1 | $ 119,000 | $ 119,000 | $ 813,000 |
| Tarrant County Texas | 1 | $ 176,000 | $ 176,000 | $ 1,215,000 |
| Summit County Utah | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
| King County Washington | 1 | $ 48,000 | $ 48,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2005
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 | 2,897 | $323,073,000 | $347,500 | $5,000,000 | $182,714 | $3,547,000 |
| Home Purchase | 2,351 | $301,086,000 | $242,545 | $1,558,000 | $248,272 | $1,736,000 |
| Home Improvement | 1,663 | $34,272,000 | $20,727 | $1,325,000 | $50,454 | $842,000 |
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 | 5,496 | $509,967,000 | $303,360 | $5,000,000 | $245,800 | $2,600,000 |
| Not Provided | 690 | $80,609,000 | $230,076 | $2,000,000 | $220,923 | $2,100,000 |
| Black or African American | 358 | $17,830,000 | $43,000 | $384,000 | $40,000 | $330,000 |
| Not applicable | 124 | $25,088,000 | $252,800 | $4,407,000 | $172,600 | $3,547,000 |
| Hispanic | 119 | $11,495,000 | $132,600 | $1,440,000 | $58,800 | $650,000 |
| Asian | 89 | $9,970,000 | $139,000 | $625,000 | $104,750 | $960,000 |
| American Indian or Alaskan Native | 25 | $2,244,000 | $98,000 | $380,000 | $73,666 | $309,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,228,000 | $100,500 | $500,000 | $368,500 | $1,129,000 |
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) | 6,826 | $649,490,000 | $266,275 | $5,000,000 | $210,689 | $3,547,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,266,000 | $83,000 | $168,000 | $40,500 | $211,000 |
| VA-guaranteed (Veterans Administration) | 37 | $4,675,000 | $126,000 | $247,000 | $53,000 | $90,000 |
| 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 | 4,223 | $443,564,000 | $315,043 | $5,000,000 | $233,304 | $3,547,000 |
| Application Denied By Financial Institution | 1,324 | $59,104,000 | $27,500 | $1,500,000 | $49,666 | $1,214,000 |
| Application Approved But Not Accepted | 530 | $49,389,000 | $116,250 | $820,000 | $141,250 | $842,000 |
| Application Withdrawn By Applicant | 415 | $61,954,000 | $416,100 | $2,000,000 | $346,800 | $1,560,000 |
| Preapproval Denied by Financial Institution | 325 | $31,639,000 | $97,000 | $450,000 | $79,000 | $1,129,000 |
| File Closed For Incompleteness | 94 | $12,781,000 | $134,600 | $508,000 | $131,200 | $608,000 |
| 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 | 875 | $34,848,000 | $25,000 | $300,000 | $40,250 | $1,069,000 |
| Debt-To-Income Ratio | 441 | $38,922,000 | $66,250 | $960,000 | $69,125 | $1,129,000 |
| Other | 256 | $7,494,000 | $95,500 | $450,000 | $81,833 | $1,214,000 |
| Collateral | 37 | $6,269,000 | $123,000 | $1,500,000 | $59,500 | $600,000 |
| Employment History | 20 | $1,552,000 | $85,000 | $356,000 | $64,250 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $1,474,000 | $81,000 | $150,000 | $43,500 | $81,000 |
| Credit Application Incomplete | 1 | $68,000 | $68,000 | $68,000 | $197,000 | $197,000 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, N.A.'s 2005 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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