Commerce Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Commerce Bank, N.A. 2007 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 | 6,753 |
| Total Mortgage Loan Application Amount | $658,391,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $90,666 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 678 | $ 75,681,000 | $ 111,000 | $ 99,000 |
| Jackson County Missouri | 577 | $ 41,116,000 | $ 71,000 | $ 79,000 |
| Greene County Missouri | 325 | $ 31,506,000 | $ 96,000 | $ 80,000 |
| Johnson County Kansas | 308 | $ 38,525,000 | $ 125,000 | $ 108,000 |
| Boone County Missouri | 297 | $ 35,610,000 | $ 119,000 | $ 78,000 |
| Jefferson County Missouri | 295 | $ 16,966,000 | $ 57,000 | $ 70,000 |
| St. Charles County Missouri | 295 | $ 26,569,000 | $ 90,000 | $ 106,000 |
| Buchanan County Missouri | 279 | $ 21,150,000 | $ 75,000 | $ 71,000 |
| St. Louis City County Missouri | 210 | $ 14,139,000 | $ 67,000 | $ 65,000 |
| St. Clair County Illinois | 166 | $ 16,821,000 | $ 101,000 | $ 127,000 |
| McLean County Illinois | 140 | $ 16,906,000 | $ 120,000 | $ 106,000 |
| Clay County Missouri | 126 | $ 12,186,000 | $ 96,000 | $ 79,000 |
| St. Francois County Missouri | 124 | $ 5,432,000 | $ 43,000 | $ 86,000 |
| Butler County Missouri | 110 | $ 9,944,000 | $ 90,000 | $ 96,000 |
| Peoria County Illinois | 109 | $ 9,790,000 | $ 89,000 | $ 151,000 |
| Jasper County Missouri | 106 | $ 10,515,000 | $ 99,000 | $ 69,000 |
| Cape Girardeau County Missouri | 97 | $ 11,742,000 | $ 121,000 | $ 78,000 |
| Randolph County Missouri | 94 | $ 6,472,000 | $ 68,000 | $ 63,000 |
| Laclede County Missouri | 92 | $ 9,297,000 | $ 101,000 | $ 69,000 |
| Cass County Missouri | 90 | $ 5,852,000 | $ 65,000 | $ 94,000 |
| Christian County Missouri | 79 | $ 7,791,000 | $ 98,000 | $ 82,000 |
| Crawford County Kansas | 78 | $ 6,254,000 | $ 80,000 | $ 119,000 |
| Polk County Missouri | 76 | $ 5,155,000 | $ 67,000 | $ 54,000 |
| Audrain County Missouri | 75 | $ 5,851,000 | $ 78,000 | $ 69,000 |
| Douglas County Kansas | 73 | $ 6,303,000 | $ 86,000 | $ 86,000 |
| Moniteau County Missouri | 69 | $ 4,028,000 | $ 58,000 | $ 200,000 |
| Riley County Kansas | 67 | $ 7,587,000 | $ 113,000 | $ 98,000 |
| Platte County Missouri | 66 | $ 10,696,000 | $ 162,000 | $ 167,000 |
| Wyandotte County Kansas | 64 | $ 2,540,000 | $ 39,000 | $ 63,000 |
| Montgomery County Kansas | 63 | $ 3,585,000 | $ 56,000 | $ 82,000 |
| Marion County Missouri | 58 | $ 2,901,000 | $ 50,000 | $ 56,000 |
| Tazewell County Illinois | 57 | $ 4,670,000 | $ 81,000 | $ 64,000 |
| Barry County Missouri | 53 | $ 4,745,000 | $ 89,000 | $ 66,000 |
| Cherokee County Kansas | 48 | $ 2,541,000 | $ 52,000 | $ 57,000 |
| Leavenworth County Kansas | 45 | $ 2,656,000 | $ 59,000 | $ 100,000 |
| Camden County Missouri | 44 | $ 16,703,000 | $ 379,000 | $ 333,000 |
| Andrew County Missouri | 42 | $ 4,919,000 | $ 117,000 | $ 63,000 |
| Madison County Illinois | 39 | $ 3,164,000 | $ 81,000 | $ 81,000 |
| Woodford County Illinois | 31 | $ 2,631,000 | $ 84,000 | $ 111,000 |
| Newton County Missouri | 30 | $ 3,410,000 | $ 113,000 | $ 91,000 |
| Tulsa County Oklahoma | 29 | $ 6,826,000 | $ 235,000 | $ 166,000 |
| Taney County Missouri | 25 | $ 3,204,000 | $ 128,000 | $ 79,000 |
| Stone County Missouri | 24 | $ 3,673,000 | $ 153,000 | $ 192,000 |
| Warren County Missouri | 23 | $ 1,966,000 | $ 85,000 | $ 92,000 |
| Lincoln County Missouri | 21 | $ 2,939,000 | $ 139,000 | $ 109,000 |
| Callaway County Missouri | 20 | $ 2,361,000 | $ 118,000 | $ 92,000 |
| DeKalb County Missouri | 17 | $ 1,432,000 | $ 84,000 | $ 54,000 |
| Washington County Missouri | 17 | $ 1,088,000 | $ 64,000 | $ 43,000 |
| Morgan County Missouri | 16 | $ 1,825,000 | $ 114,000 | $ 71,000 |
| Dallas County Missouri | 15 | $ 715,000 | $ 47,000 | $ 47,000 |
| Pottawatomie County Kansas | 14 | $ 2,029,000 | $ 144,000 | $ 54,000 |
| Ralls County Missouri | 14 | $ 983,000 | $ 70,000 | $ 37,000 |
| Ste. Genevieve County Missouri | 14 | $ 886,000 | $ 63,000 | $ 60,000 |
| Wayne County Missouri | 14 | $ 690,000 | $ 49,000 | $ 88,000 |
| Clinton County Missouri | 12 | $ 619,000 | $ 51,000 | $ 82,000 |
| Cole County Missouri | 12 | $ 1,630,000 | $ 135,000 | $ 83,000 |
| Champaign County Illinois | 11 | $ 1,439,000 | $ 130,000 | $ 272,000 |
| Carter County Missouri | 11 | $ 759,000 | $ 69,000 | $ 84,000 |
| Franklin County Missouri | 11 | $ 1,181,000 | $ 107,000 | $ 71,000 |
| Ripley County Missouri | 11 | $ 1,355,000 | $ 123,000 | $ 60,000 |
| Scott County Missouri | 11 | $ 1,047,000 | $ 95,000 | $ 63,000 |
| Webster County Missouri | 11 | $ 1,100,000 | $ 100,000 | $ 69,000 |
| Cooper County Missouri | 10 | $ 1,079,000 | $ 107,000 | $ 57,000 |
| Lawrence County Missouri | 10 | $ 744,000 | $ 74,000 | $ 39,000 |
| Macon County Missouri | 10 | $ 1,422,000 | $ 142,000 | $ 60,000 |
| Denver County Colorado | 9 | $ 1,251,000 | $ 139,000 | $ 288,000 |
| Jefferson County Kansas | 9 | $ 457,000 | $ 50,000 | $ 90,000 |
| Benton County Missouri | 9 | $ 445,000 | $ 49,000 | $ 61,000 |
| Johnson County Missouri | 9 | $ 899,000 | $ 99,000 | $ 82,000 |
| Arapahoe County Colorado | 8 | $ 926,000 | $ 115,000 | $ 282,000 |
| Monroe County Illinois | 8 | $ 740,000 | $ 92,000 | $ 116,000 |
| Geary County Kansas | 8 | $ 1,450,000 | $ 181,000 | $ 110,000 |
| Shawnee County Kansas | 8 | $ 714,000 | $ 89,000 | $ 59,000 |
| Bates County Missouri | 7 | $ 510,000 | $ 72,000 | $ 59,000 |
| Adams County Colorado | 6 | $ 458,000 | $ 76,000 | $ 120,000 |
| Doniphan County Kansas | 6 | $ 485,000 | $ 80,000 | $ 65,000 |
| Hickory County Missouri | 6 | $ 405,000 | $ 67,000 | $ 54,000 |
| Lafayette County Missouri | 6 | $ 108,000 | $ 18,000 | $ 38,000 |
| Monroe County Missouri | 6 | $ 756,000 | $ 126,000 | $ 67,000 |
| Clinton County Illinois | 5 | $ 497,000 | $ 99,000 | $ 85,000 |
| Cook County Illinois | 5 | $ 569,000 | $ 113,000 | $ 239,000 |
| Sangamon County Illinois | 5 | $ 524,000 | $ 104,000 | $ 84,000 |
| Iron County Missouri | 5 | $ 251,000 | $ 50,000 | $ 51,000 |
| Miller County Missouri | 5 | $ 571,000 | $ 114,000 | $ 94,000 |
| Stoddard County Missouri | 5 | $ 352,000 | $ 70,000 | $ 47,000 |
| Delaware County Oklahoma | 5 | $ 979,000 | $ 195,000 | $ 329,000 |
| Fulton County Illinois | 4 | $ 157,000 | $ 39,000 | $ 42,000 |
| Franklin County Kansas | 4 | $ 465,000 | $ 116,000 | $ 52,000 |
| Bollinger County Missouri | 4 | $ 272,000 | $ 68,000 | $ 57,000 |
| Chariton County Missouri | 4 | $ 276,000 | $ 69,000 | $ 66,000 |
| Dade County Missouri | 4 | $ 145,000 | $ 36,000 | $ 54,000 |
| Dunklin County Missouri | 4 | $ 367,000 | $ 91,000 | $ 73,000 |
| Henry County Missouri | 4 | $ 172,000 | $ 43,000 | $ 54,000 |
| Howard County Missouri | 4 | $ 144,000 | $ 36,000 | $ 61,000 |
| Nodaway County Missouri | 4 | $ 246,000 | $ 61,000 | $ 51,000 |
| Perry County Missouri | 4 | $ 366,000 | $ 91,000 | $ 72,000 |
| Phelps County Missouri | 4 | $ 866,000 | $ 216,000 | $ 12,000 |
| Pulaski County Missouri | 4 | $ 297,000 | $ 74,000 | $ 48,000 |
| Summit County Colorado | 3 | $ 1,120,000 | $ 373,000 | $ 170,000 |
| Collier County Florida | 3 | $ 3,659,000 | $ 1,219,000 | $ 2,984,000 |
| Alexander County Illinois | 3 | $ 308,000 | $ 102,000 | $ 85,000 |
| Bond County Illinois | 3 | $ 621,000 | $ 207,000 | $ 138,000 |
| Jackson County Illinois | 3 | $ 193,000 | $ 64,000 | $ 36,000 |
| Marshall County Illinois | 3 | $ 62,000 | $ 20,000 | $ 24,000 |
| Washington County Illinois | 3 | $ 217,000 | $ 72,000 | $ 46,000 |
| Dickinson County Kansas | 3 | $ 392,000 | $ 130,000 | $ 85,000 |
| Ellis County Kansas | 3 | $ 403,000 | $ 134,000 | $ 65,000 |
| Labette County Kansas | 3 | $ 236,000 | $ 78,000 | $ 42,000 |
| Miami County Kansas | 3 | $ 287,000 | $ 95,000 | $ 87,000 |
| Wabaunsee County Kansas | 3 | $ 610,000 | $ 203,000 | $ 297,000 |
| Crawford County Missouri | 3 | $ 189,000 | $ 63,000 | $ 86,000 |
| Holt County Missouri | 3 | $ 294,000 | $ 98,000 | $ 94,000 |
| McDonald County Missouri | 3 | $ 382,000 | $ 127,000 | $ 45,000 |
| Pettis County Missouri | 3 | $ 282,000 | $ 94,000 | $ 75,000 |
| St. Clair County Missouri | 3 | $ 305,000 | $ 101,000 | $ 40,000 |
| Texas County Missouri | 3 | $ 1,117,000 | $ 372,000 | $ 189,000 |
| Wagoner County Oklahoma | 3 | $ 258,000 | $ 86,000 | $ 41,000 |
| Pitkin County Colorado | 2 | $ 2,360,000 | $ 1,180,000 | $ 535,000 |
| Lee County Florida | 2 | $ 1,316,000 | $ 658,000 | $ 1,042,000 |
| Seminole County Florida | 2 | $ 437,000 | $ 218,000 | $ 93,000 |
| Ford County Illinois | 2 | $ 342,000 | $ 171,000 | $ 110,000 |
| Johnson County Illinois | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Knox County Illinois | 2 | $ 99,000 | $ 49,000 | $ 90,000 |
| Randolph County Illinois | 2 | $ 171,000 | $ 85,000 | $ 11,000 |
| Atchison County Kansas | 2 | $ 148,000 | $ 74,000 | $ 4,000 |
| Bourbon County Kansas | 2 | $ 55,000 | $ 27,000 | $ 52,000 |
| Chautauqua County Kansas | 2 | $ 180,000 | $ 90,000 | $ 49,000 |
| Reno County Kansas | 2 | $ 180,000 | $ 90,000 | $ 102,000 |
| Sedgwick County Kansas | 2 | $ 335,000 | $ 167,000 | $ 60,000 |
| Barton County Missouri | 2 | $ 64,000 | $ 32,000 | $ 46,000 |
| Cedar County Missouri | 2 | $ 266,000 | $ 133,000 | $ 78,000 |
| Gentry County Missouri | 2 | $ 79,000 | $ 39,000 | $ 29,000 |
| Ray County Missouri | 2 | $ 43,000 | $ 21,000 | $ 45,000 |
| Reynolds County Missouri | 2 | $ 347,000 | $ 173,000 | $ 85,000 |
| Wright County Missouri | 2 | $ 174,000 | $ 87,000 | $ 38,000 |
| Creek County Oklahoma | 2 | $ 181,000 | $ 90,000 | $ 101,000 |
| Baldwin County Alabama | 1 | $ 380,000 | $ 380,000 | $ 538,000 |
| Coconino County Arizona | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Pima County Arizona | 1 | $ 160,000 | $ 160,000 | $ 900,000 |
| Benton County Arkansas | 1 | $ 417,000 | $ 417,000 | $ 480,000 |
| Carroll County Arkansas | 1 | $ 152,000 | $ 152,000 | $ 74,000 |
| Craighead County Arkansas | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Marion County Arkansas | 1 | $ 28,000 | $ 28,000 | $ 23,000 |
| Washington County Arkansas | 1 | $ 159,000 | $ 159,000 | $ 224,000 |
| San Diego County California | 1 | $ 1,600,000 | $ 1,600,000 | $ 492,000 |
| Ventura County California | 1 | $ 1,560,000 | $ 1,560,000 | $ 2,008,000 |
| Custer County Colorado | 1 | $ 268,000 | $ 268,000 | $ 344,000 |
| Douglas County Colorado | 1 | $ 417,000 | $ 417,000 | $ 204,000 |
| La Plata County Colorado | 1 | $ 700,000 | $ 700,000 | $ 60,000 |
| Larimer County Colorado | 1 | $ 378,000 | $ 378,000 | $ 85,000 |
| Pueblo County Colorado | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Routt County Colorado | 1 | $ 300,000 | $ 300,000 | $ 89,000 |
| Weld County Colorado | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| Fairfield County Connecticut | 1 | $ 528,000 | $ 528,000 | $ 150,000 |
| Manatee County Florida | 1 | $ 800,000 | $ 800,000 | $ 275,000 |
| Walton County Florida | 1 | $ 897,000 | $ 897,000 | $ 331,000 |
| Kauai County Hawaii | 1 | $ 136,000 | $ 136,000 | $ 1,413,000 |
| De Witt County Illinois | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| DeKalb County Illinois | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Effingham County Illinois | 1 | $ 97,000 | $ 97,000 | $ 92,000 |
| Fayette County Illinois | 1 | $ 88,000 | $ 88,000 | $ 221,000 |
| Hancock County Illinois | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Iroquois County Illinois | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Kane County Illinois | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Livingston County Illinois | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Logan County Illinois | 1 | $ 61,000 | $ 61,000 | $ 107,000 |
| Macon County Illinois | 1 | $ 2,000 | $ 2,000 | $ 58,000 |
| Mason County Illinois | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Piatt County Illinois | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Shelby County Illinois | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Fulton County Indiana | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Marion County Indiana | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Porter County Indiana | 1 | $ 105,000 | $ 105,000 | $ 1,058,000 |
| Barton County Kansas | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Butler County Kansas | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
| Ford County Kansas | 1 | $ 60,000 | $ 60,000 | $ 461,000 |
| Jackson County Kansas | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Linn County Kansas | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Marshall County Kansas | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Morris County Kansas | 1 | $ 120,000 | $ 120,000 | $ 180,000 |
| Neosho County Kansas | 1 | $ 27,000 | $ 27,000 | $ 77,000 |
| Marshall County Kentucky | 1 | $ 450,000 | $ 450,000 | $ 1,125,000 |
| Jefferson County Louisiana | 1 | $ 275,000 | $ 275,000 | $ 225,000 |
| Waldo County Maine | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Leelanau County Michigan | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Oakland County Michigan | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Cook County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 420,000 |
| Harrison County Mississippi | 1 | $ 319,000 | $ 319,000 | $ 233,000 |
| Adair County Missouri | 1 | $ 58,000 | $ 58,000 | $ 34,000 |
| Dent County Missouri | 1 | $ 59,000 | $ 59,000 | $ 29,000 |
| Douglas County Missouri | 1 | $ 28,000 | $ 28,000 | $ 79,000 |
| Gasconade County Missouri | 1 | $ 42,000 | $ 42,000 | $ 56,000 |
| Harrison County Missouri | 1 | $ 26,000 | $ 26,000 | $ 48,000 |
| Madison County Missouri | 1 | $ 46,000 | $ 46,000 | $ 28,000 |
| Maries County Missouri | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Montgomery County Missouri | 1 | $ 43,000 | $ 43,000 | $ 21,000 |
| New Madrid County Missouri | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Ozark County Missouri | 1 | $ 178,000 | $ 178,000 | $ 92,000 |
| Pike County Missouri | 1 | $ 15,000 | $ 15,000 | $ 168,000 |
| Saline County Missouri | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Sullivan County Missouri | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| Vernon County Missouri | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Douglas County Nebraska | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 6,000 | $ 6,000 | $ 19,000 |
| Union County New Jersey | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Bronx County New York | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Kings County New York | 1 | $ 9,000 | $ 9,000 | $ 54,000 |
| New York County New York | 1 | $ 1,900,000 | $ 1,900,000 | $ 336,000 |
| Graham County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Muskogee County Oklahoma | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Rogers County Oklahoma | 1 | $ 220,000 | $ 220,000 | $ 161,000 |
| Washington County Oklahoma | 1 | $ 126,000 | $ 126,000 | $ 95,000 |
| Clackamas County Oregon | 1 | $ 650,000 | $ 650,000 | $ 78,000 |
| Berks County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Luzerne County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 52,000 |
| Sevier County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Dallas County Texas | 1 | $ 372,000 | $ 372,000 | $ 250,000 |
| Denton County Texas | 1 | $ 176,000 | $ 176,000 | $ 104,000 |
| Pierce County Washington | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2007
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 | 2,958 | $337,268,000 | $114,000 | $2,800,000 | $93,000 | $2,190,000 |
| Home Purchase | 1,951 | $277,895,000 | $142,000 | $3,000,000 | $108,000 | $9,999,000 |
| Home Improvement | 1,844 | $43,228,000 | $23,000 | $1,000,000 | $71,000 | $1,300,000 |
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 | 5,311 | $516,859,000 | $97,000 | $3,000,000 | $91,000 | $9,999,000 |
| Not Provided | 799 | $95,732,000 | $119,000 | $2,759,000 | $112,000 | $8,352,000 |
| Black or African American | 307 | $15,598,000 | $50,000 | $360,000 | $56,000 | $730,000 |
| Hispanic | 162 | $9,570,000 | $59,000 | $580,000 | $68,000 | $780,000 |
| Asian | 88 | $9,412,000 | $106,000 | $800,000 | $85,000 | $544,000 |
| Not applicable | 41 | $7,179,000 | $175,000 | $655,000 | $121,000 | $3,087,000 |
| American Indian or Alaskan Native | 34 | $3,517,000 | $103,000 | $1,000,000 | $72,000 | $382,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $524,000 | $47,000 | $168,000 | $61,000 | $114,000 |
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) | 6,646 | $647,001,000 | $97,000 | $3,000,000 | $92,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 81 | $8,371,000 | $103,000 | $203,000 | $47,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,019,000 | $116,000 | $230,000 | $45,000 | $86,000 |
| 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 | 4,032 | $424,302,000 | $105,000 | $2,759,000 | $105,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,387 | $74,694,000 | $53,000 | $2,800,000 | $66,000 | $1,300,000 |
| Application Approved But Not Accepted | 655 | $64,974,000 | $99,000 | $2,000,000 | $88,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 329 | $37,265,000 | $113,000 | $627,000 | $46,000 | $270,000 |
| Application Withdrawn By Applicant | 287 | $46,937,000 | $163,000 | $3,000,000 | $92,000 | $2,275,000 |
| File Closed For Incompleteness | 63 | $10,219,000 | $162,000 | $1,200,000 | $93,000 | $1,000,000 |
| 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 | 869 | $42,326,000 | $48,000 | $627,000 | $57,000 | $1,300,000 |
| Debt-To-Income Ratio | 472 | $48,382,000 | $102,000 | $2,800,000 | $48,000 | $519,000 |
| Collateral | 181 | $13,011,000 | $71,000 | $2,400,000 | $79,000 | $862,000 |
| Credit Application Incomplete | 162 | $5,972,000 | $36,000 | $354,000 | $111,000 | $1,237,000 |
| Other | 11 | $324,000 | $29,000 | $106,000 | $38,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,096,000 | $109,000 | $225,000 | $53,000 | $86,000 |
| Employment History | 8 | $685,000 | $85,000 | $162,000 | $39,000 | $82,000 |
| Unverifiable Information | 3 | $163,000 | $54,000 | $83,000 | $130,000 | $235,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, N.A.'s 2007 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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