Commerce Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Commerce Bank, N.A. 2009 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 | 6,879 |
| Total Mortgage Loan Application Amount | $819,754,000 |
| Average Mortgage Loan Application Amount | $101,333 |
| Highest Mortgage Loan Application Amount | $4,225,000 |
| Average Applicant Income | $88,666 |
| Highest Applicant Income | $4,802,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 724 | $ 100,690,000 | $ 139,000 | $ 114,000 |
| Jackson County Missouri | 552 | $ 57,948,000 | $ 104,000 | $ 96,000 |
| Johnson County Kansas | 362 | $ 55,559,000 | $ 153,000 | $ 124,000 |
| Boone County Missouri | 301 | $ 46,737,000 | $ 155,000 | $ 94,000 |
| Greene County Missouri | 289 | $ 32,934,000 | $ 113,000 | $ 85,000 |
| Jefferson County Missouri | 286 | $ 20,943,000 | $ 73,000 | $ 70,000 |
| Buchanan County Missouri | 284 | $ 26,625,000 | $ 93,000 | $ 78,000 |
| St. Charles County Missouri | 255 | $ 26,166,000 | $ 102,000 | $ 92,000 |
| St. Louis City County Missouri | 190 | $ 14,061,000 | $ 74,000 | $ 66,000 |
| Sedgwick County Kansas | 154 | $ 19,975,000 | $ 129,000 | $ 105,000 |
| St. Clair County Illinois | 145 | $ 15,108,000 | $ 104,000 | $ 106,000 |
| McLean County Illinois | 139 | $ 20,660,000 | $ 148,000 | $ 118,000 |
| Clay County Missouri | 129 | $ 14,038,000 | $ 108,000 | $ 92,000 |
| Cape Girardeau County Missouri | 119 | $ 16,163,000 | $ 135,000 | $ 86,000 |
| Randolph County Missouri | 111 | $ 7,713,000 | $ 69,000 | $ 54,000 |
| St. Francois County Missouri | 106 | $ 5,148,000 | $ 48,000 | $ 55,000 |
| Peoria County Illinois | 104 | $ 10,817,000 | $ 104,000 | $ 80,000 |
| Jasper County Missouri | 96 | $ 7,573,000 | $ 78,000 | $ 59,000 |
| Cass County Missouri | 90 | $ 8,490,000 | $ 94,000 | $ 92,000 |
| Audrain County Missouri | 83 | $ 7,128,000 | $ 85,000 | $ 64,000 |
| Douglas County Kansas | 78 | $ 11,441,000 | $ 146,000 | $ 99,000 |
| Leavenworth County Kansas | 77 | $ 7,351,000 | $ 95,000 | $ 101,000 |
| Laclede County Missouri | 77 | $ 8,475,000 | $ 110,000 | $ 110,000 |
| Butler County Missouri | 75 | $ 7,756,000 | $ 103,000 | $ 108,000 |
| Moniteau County Missouri | 71 | $ 5,194,000 | $ 73,000 | $ 63,000 |
| Finney County Kansas | 66 | $ 7,627,000 | $ 115,000 | $ 74,000 |
| Riley County Kansas | 65 | $ 13,789,000 | $ 212,000 | $ 120,000 |
| Christian County Missouri | 65 | $ 7,812,000 | $ 120,000 | $ 96,000 |
| Crawford County Kansas | 64 | $ 5,884,000 | $ 91,000 | $ 179,000 |
| Polk County Missouri | 57 | $ 5,960,000 | $ 104,000 | $ 79,000 |
| Marion County Missouri | 54 | $ 3,238,000 | $ 59,000 | $ 56,000 |
| Ellis County Kansas | 51 | $ 7,003,000 | $ 137,000 | $ 121,000 |
| Wyandotte County Kansas | 49 | $ 2,141,000 | $ 43,000 | $ 64,000 |
| Butler County Kansas | 46 | $ 4,218,000 | $ 91,000 | $ 87,000 |
| Tazewell County Illinois | 45 | $ 4,420,000 | $ 98,000 | $ 61,000 |
| Platte County Missouri | 42 | $ 5,403,000 | $ 128,000 | $ 120,000 |
| Tulsa County Oklahoma | 41 | $ 15,606,000 | $ 380,000 | $ 272,000 |
| Andrew County Missouri | 36 | $ 4,432,000 | $ 123,000 | $ 152,000 |
| Cherokee County Kansas | 35 | $ 1,545,000 | $ 44,000 | $ 79,000 |
| Newton County Missouri | 32 | $ 4,423,000 | $ 138,000 | $ 115,000 |
| Barry County Missouri | 26 | $ 3,621,000 | $ 139,000 | $ 81,000 |
| Camden County Missouri | 26 | $ 6,593,000 | $ 253,000 | $ 156,000 |
| Monroe County Illinois | 25 | $ 4,600,000 | $ 184,000 | $ 147,000 |
| Reno County Kansas | 24 | $ 1,294,000 | $ 53,000 | $ 68,000 |
| Madison County Illinois | 23 | $ 2,123,000 | $ 92,000 | $ 76,000 |
| Denver County Colorado | 22 | $ 7,723,000 | $ 351,000 | $ 71,000 |
| Woodford County Illinois | 22 | $ 2,525,000 | $ 114,000 | $ 101,000 |
| Ste. Genevieve County Missouri | 18 | $ 959,000 | $ 53,000 | $ 56,000 |
| Lawrence County Missouri | 17 | $ 1,654,000 | $ 97,000 | $ 57,000 |
| Ralls County Missouri | 17 | $ 1,375,000 | $ 80,000 | $ 60,000 |
| Stone County Missouri | 17 | $ 1,913,000 | $ 112,000 | $ 112,000 |
| Callaway County Missouri | 16 | $ 3,261,000 | $ 203,000 | $ 61,000 |
| Warren County Missouri | 16 | $ 1,617,000 | $ 101,000 | $ 96,000 |
| Arapahoe County Colorado | 15 | $ 1,386,000 | $ 92,000 | $ 26,000 |
| Clinton County Missouri | 15 | $ 1,258,000 | $ 83,000 | $ 86,000 |
| Champaign County Illinois | 14 | $ 4,435,000 | $ 316,000 | $ 104,000 |
| Pottawatomie County Kansas | 14 | $ 1,460,000 | $ 104,000 | $ 63,000 |
| Scott County Missouri | 13 | $ 1,326,000 | $ 102,000 | $ 66,000 |
| Washington County Missouri | 13 | $ 461,000 | $ 35,000 | $ 45,000 |
| Lincoln County Missouri | 12 | $ 1,055,000 | $ 87,000 | $ 69,000 |
| Taney County Missouri | 12 | $ 2,690,000 | $ 224,000 | $ 166,000 |
| Cooper County Missouri | 11 | $ 944,000 | $ 85,000 | $ 80,000 |
| Franklin County Missouri | 11 | $ 1,428,000 | $ 129,000 | $ 111,000 |
| Lafayette County Missouri | 11 | $ 1,223,000 | $ 111,000 | $ 75,000 |
| Morgan County Missouri | 11 | $ 999,000 | $ 90,000 | $ 64,000 |
| Carter County Missouri | 10 | $ 1,127,000 | $ 112,000 | $ 52,000 |
| Ripley County Missouri | 10 | $ 1,356,000 | $ 135,000 | $ 87,000 |
| Geary County Kansas | 9 | $ 1,103,000 | $ 122,000 | $ 26,000 |
| Miami County Kansas | 9 | $ 943,000 | $ 104,000 | $ 80,000 |
| Hickory County Missouri | 9 | $ 726,000 | $ 80,000 | $ 30,000 |
| Adams County Colorado | 8 | $ 1,065,000 | $ 133,000 | $ 60,000 |
| Cole County Missouri | 8 | $ 830,000 | $ 103,000 | $ 70,000 |
| Iron County Missouri | 8 | $ 336,000 | $ 42,000 | $ 44,000 |
| Madison County Missouri | 8 | $ 618,000 | $ 77,000 | $ 57,000 |
| Lee County Florida | 7 | $ 1,125,000 | $ 160,000 | $ 194,000 |
| Doniphan County Kansas | 7 | $ 386,000 | $ 55,000 | $ 30,000 |
| DeKalb County Missouri | 7 | $ 721,000 | $ 103,000 | $ 103,000 |
| Howard County Missouri | 7 | $ 405,000 | $ 57,000 | $ 37,000 |
| Jefferson County Colorado | 6 | $ 985,000 | $ 164,000 | $ 5,000 |
| Dallas County Missouri | 6 | $ 437,000 | $ 72,000 | $ 55,000 |
| Holt County Missouri | 6 | $ 899,000 | $ 149,000 | $ 98,000 |
| Johnson County Missouri | 6 | $ 390,000 | $ 65,000 | $ 70,000 |
| Ray County Missouri | 6 | $ 626,000 | $ 104,000 | $ 70,000 |
| Webster County Missouri | 6 | $ 686,000 | $ 114,000 | $ 67,000 |
| Cook County Illinois | 5 | $ 2,434,000 | $ 486,000 | $ 209,000 |
| Haskell County Kansas | 5 | $ 536,000 | $ 107,000 | $ 112,000 |
| Kearny County Kansas | 5 | $ 423,000 | $ 84,000 | $ 88,000 |
| Morris County Kansas | 5 | $ 478,000 | $ 95,000 | $ 66,000 |
| Benton County Missouri | 5 | $ 534,000 | $ 106,000 | $ 242,000 |
| Nodaway County Missouri | 5 | $ 468,000 | $ 93,000 | $ 85,000 |
| Maricopa County Arizona | 4 | $ 1,242,000 | $ 310,000 | $ 1,278,000 |
| Boulder County Colorado | 4 | $ 2,587,000 | $ 646,000 | $ 90,000 |
| Collier County Florida | 4 | $ 1,781,000 | $ 445,000 | $ 826,000 |
| Randolph County Illinois | 4 | $ 296,000 | $ 74,000 | $ 34,000 |
| Franklin County Kansas | 4 | $ 734,000 | $ 183,000 | $ 87,000 |
| Jefferson County Kansas | 4 | $ 446,000 | $ 111,000 | $ 63,000 |
| Montgomery County Kansas | 4 | $ 549,000 | $ 137,000 | $ 172,000 |
| Shawnee County Kansas | 4 | $ 627,000 | $ 156,000 | $ 119,000 |
| Bollinger County Missouri | 4 | $ 393,000 | $ 98,000 | $ 79,000 |
| Perry County Missouri | 4 | $ 198,000 | $ 49,000 | $ 65,000 |
| Pulaski County Missouri | 4 | $ 285,000 | $ 71,000 | $ 48,000 |
| Stoddard County Missouri | 4 | $ 314,000 | $ 78,000 | $ 65,000 |
| Douglas County Colorado | 3 | $ 1,161,000 | $ 387,000 | $ 100,000 |
| Gunnison County Colorado | 3 | $ 4,907,000 | $ 1,635,000 | $ 897,000 |
| Weld County Colorado | 3 | $ 678,000 | $ 226,000 | $ 23,000 |
| Marshall County Illinois | 3 | $ 174,000 | $ 58,000 | $ 45,000 |
| Cowley County Kansas | 3 | $ 269,000 | $ 89,000 | $ 59,000 |
| Labette County Kansas | 3 | $ 76,000 | $ 25,000 | $ 201,000 |
| Barton County Missouri | 3 | $ 380,000 | $ 126,000 | $ 65,000 |
| Cedar County Missouri | 3 | $ 603,000 | $ 201,000 | $ 107,000 |
| Crawford County Missouri | 3 | $ 436,000 | $ 145,000 | $ 154,000 |
| Daviess County Missouri | 3 | $ 487,000 | $ 162,000 | $ 124,000 |
| Macon County Missouri | 3 | $ 535,000 | $ 178,000 | $ 83,000 |
| McDonald County Missouri | 3 | $ 946,000 | $ 315,000 | $ 173,000 |
| Monroe County Missouri | 3 | $ 108,000 | $ 36,000 | $ 38,000 |
| Wayne County Missouri | 3 | $ 311,000 | $ 103,000 | $ 59,000 |
| Muskogee County Oklahoma | 3 | $ 39,000 | $ 13,000 | $ 58,000 |
| Ottawa County Oklahoma | 3 | $ 84,000 | $ 28,000 | $ 49,000 |
| Benton County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Los Angeles County California | 2 | $ 1,045,000 | $ 522,000 | $ 180,000 |
| Eagle County Colorado | 2 | $ 2,424,000 | $ 1,212,000 | $ 850,000 |
| Grand County Colorado | 2 | $ 598,000 | $ 299,000 | $ 443,000 |
| Teller County Colorado | 2 | $ 363,000 | $ 181,000 | $ 104,000 |
| Sarasota County Florida | 2 | $ 2,427,000 | $ 1,213,000 | $ 285,000 |
| Walton County Florida | 2 | $ 767,000 | $ 383,000 | $ 483,000 |
| Clinton County Illinois | 2 | $ 225,000 | $ 112,000 | $ 290,000 |
| Bourbon County Kansas | 2 | $ 162,000 | $ 81,000 | $ 86,000 |
| Brown County Kansas | 2 | $ 112,000 | $ 56,000 | $ 95,000 |
| Clay County Kansas | 2 | $ 151,000 | $ 75,000 | $ 67,000 |
| Linn County Kansas | 2 | $ 133,000 | $ 66,000 | $ 70,000 |
| Pratt County Kansas | 2 | $ 95,000 | $ 47,000 | $ 64,000 |
| Dade County Missouri | 2 | $ 201,000 | $ 100,000 | $ 48,000 |
| Maries County Missouri | 2 | $ 302,000 | $ 151,000 | $ 11,000 |
| Miller County Missouri | 2 | $ 80,000 | $ 40,000 | $ 25,000 |
| Pettis County Missouri | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Reynolds County Missouri | 2 | $ 97,000 | $ 48,000 | $ 30,000 |
| Texas County Missouri | 2 | $ 195,000 | $ 97,000 | $ 89,000 |
| Lancaster County Nebraska | 2 | $ 34,000 | $ 17,000 | $ 141,000 |
| Franklin County Ohio | 2 | $ 863,000 | $ 431,000 | $ 950,000 |
| Oklahoma County Oklahoma | 2 | $ 506,000 | $ 253,000 | $ 437,000 |
| Baxter County Arkansas | 1 | $ 150,000 | $ 150,000 | $ 175,000 |
| Riverside County California | 1 | $ 288,000 | $ 288,000 | $ 304,000 |
| Custer County Colorado | 1 | $ 250,000 | $ 250,000 | $ 342,000 |
| El Paso County Colorado | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Elbert County Colorado | 1 | $ 249,000 | $ 249,000 | $ 100,000 |
| Larimer County Colorado | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Park County Colorado | 1 | $ 554,000 | $ 554,000 | $ 604,000 |
| Rio Grande County Colorado | 1 | $ 417,000 | $ 417,000 | $ 637,000 |
| Routt County Colorado | 1 | $ 417,000 | $ 417,000 | $ 312,000 |
| Bay County Florida | 1 | $ 271,000 | $ 271,000 | $ 110,000 |
| Broward County Florida | 1 | $ 315,000 | $ 315,000 | $ 600,000 |
| Duval County Florida | 1 | $ 789,000 | $ 789,000 | $ 0 |
| Flagler County Florida | 1 | $ 247,000 | $ 247,000 | $ 290,000 |
| Lake County Florida | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Manatee County Florida | 1 | $ 126,000 | $ 126,000 | $ 350,000 |
| Martin County Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 257,000 |
| Miami-Dade County Florida | 1 | $ 280,000 | $ 280,000 | $ 270,000 |
| Orange County Florida | 1 | $ 150,000 | $ 150,000 | $ 198,000 |
| Pinellas County Florida | 1 | $ 417,000 | $ 417,000 | $ 610,000 |
| Volusia County Florida | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Fulton County Georgia | 1 | $ 630,000 | $ 630,000 | $ 464,000 |
| Bond County Illinois | 1 | $ 144,000 | $ 144,000 | $ 69,000 |
| De Witt County Illinois | 1 | $ 150,000 | $ 150,000 | $ 122,000 |
| DeKalb County Illinois | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Douglas County Illinois | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Ford County Illinois | 1 | $ 320,000 | $ 320,000 | $ 180,000 |
| Fulton County Illinois | 1 | $ 71,000 | $ 71,000 | $ 46,000 |
| Henderson County Illinois | 1 | $ 20,000 | $ 20,000 | $ 141,000 |
| Henry County Illinois | 1 | $ 58,000 | $ 58,000 | $ 45,000 |
| Johnson County Illinois | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Livingston County Illinois | 1 | $ 244,000 | $ 244,000 | $ 122,000 |
| Macon County Illinois | 1 | $ 62,000 | $ 62,000 | $ 74,000 |
| Piatt County Illinois | 1 | $ 191,000 | $ 191,000 | $ 61,000 |
| Pike County Illinois | 1 | $ 239,000 | $ 239,000 | $ 600,000 |
| Sangamon County Illinois | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Vermilion County Illinois | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Washington County Illinois | 1 | $ 80,000 | $ 80,000 | $ 84,000 |
| Williamson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 268,000 |
| Atchison County Kansas | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Barton County Kansas | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Coffey County Kansas | 1 | $ 40,000 | $ 40,000 | $ 132,000 |
| Gove County Kansas | 1 | $ 66,000 | $ 66,000 | $ 60,000 |
| Harvey County Kansas | 1 | $ 17,000 | $ 17,000 | $ 96,000 |
| Jackson County Kansas | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Lyon County Kansas | 1 | $ 57,000 | $ 57,000 | $ 55,000 |
| McPherson County Kansas | 1 | $ 58,000 | $ 58,000 | $ 84,000 |
| Neosho County Kansas | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Osage County Kansas | 1 | $ 69,000 | $ 69,000 | $ 112,000 |
| Rush County Kansas | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Russell County Kansas | 1 | $ 22,000 | $ 22,000 | $ 43,000 |
| Trego County Kansas | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Wilson County Kansas | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Caldwell County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Hampshire County Massachusetts | 1 | $ 154,000 | $ 154,000 | $ 53,000 |
| Oceana County Michigan | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Washtenaw County Michigan | 1 | $ 288,000 | $ 288,000 | $ 117,000 |
| Crow Wing County Minnesota | 1 | $ 250,000 | $ 250,000 | $ 92,000 |
| Hinds County Mississippi | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Lafayette County Mississippi | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Bates County Missouri | 1 | $ 122,000 | $ 122,000 | $ 73,000 |
| Gasconade County Missouri | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Harrison County Missouri | 1 | $ 3,000 | $ 3,000 | $ 24,000 |
| Livingston County Missouri | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Montgomery County Missouri | 1 | $ 244,000 | $ 244,000 | $ 89,000 |
| New Madrid County Missouri | 1 | $ 104,000 | $ 104,000 | $ 73,000 |
| Phelps County Missouri | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Putnam County Missouri | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Vernon County Missouri | 1 | $ 178,000 | $ 178,000 | $ 115,000 |
| Wright County Missouri | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Flathead County Montana | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 116,000 | $ 116,000 | $ 98,000 |
| Clark County Nevada | 1 | $ 240,000 | $ 240,000 | $ 735,000 |
| Suffolk County New York | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Guilford County North Carolina | 1 | $ 310,000 | $ 310,000 | $ 120,000 |
| Delaware County Oklahoma | 1 | $ 750,000 | $ 750,000 | $ 510,000 |
| Mayes County Oklahoma | 1 | $ 24,000 | $ 24,000 | $ 164,000 |
| Okmulgee County Oklahoma | 1 | $ 4,000 | $ 4,000 | $ 19,000 |
| Wagoner County Oklahoma | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Marion County Oregon | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 345,000 | $ 345,000 | $ 130,000 |
| Sevier County Tennessee | 1 | $ 290,000 | $ 290,000 | $ 100,000 |
| Bell County Texas | 1 | $ 3,000 | $ 3,000 | $ 38,000 |
| Harris County Texas | 1 | $ 146,000 | $ 146,000 | $ 250,000 |
| Travis County Texas | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Williamson County Texas | 1 | $ 104,000 | $ 104,000 | $ 24,000 |
| Fairfax County Virginia | 1 | $ 142,000 | $ 142,000 | $ 35,000 |
| Pierce County Washington | 1 | $ 355,000 | $ 355,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2009
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 | 4,004 | $598,675,000 | $149,000 | $4,225,000 | $106,000 | $4,802,000 |
| Home Improvement | 1,483 | $41,517,000 | $27,000 | $2,846,000 | $70,000 | $1,718,000 |
| Home Purchase | 1,392 | $179,562,000 | $128,000 | $3,500,000 | $90,000 | $4,660,000 |
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 | 5,382 | $625,291,000 | $116,000 | $4,225,000 | $97,000 | $4,802,000 |
| Not Provided | 728 | $107,073,000 | $147,000 | $2,048,000 | $125,000 | $2,010,000 |
| Black or African American | 261 | $13,993,000 | $53,000 | $417,000 | $56,000 | $603,000 |
| Not applicable | 203 | $43,731,000 | $215,000 | $2,950,000 | $0 | $0 |
| Hispanic | 174 | $13,507,000 | $77,000 | $513,000 | $64,000 | $366,000 |
| Asian | 93 | $13,320,000 | $143,000 | $480,000 | $122,000 | $1,485,000 |
| American Indian or Alaskan Native | 26 | $1,987,000 | $76,000 | $198,000 | $56,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $852,000 | $71,000 | $227,000 | $64,000 | $146,000 |
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) | 6,466 | $772,881,000 | $119,000 | $4,225,000 | $98,000 | $4,802,000 |
| FHA-insured (Federal Housing Administration) | 382 | $42,732,000 | $111,000 | $303,000 | $50,000 | $269,000 |
| VA-guaranteed (Veterans Administration) | 31 | $4,141,000 | $133,000 | $279,000 | $58,000 | $113,000 |
| 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 | 3,651 | $458,671,000 | $125,000 | $3,500,000 | $102,000 | $4,660,000 |
| Application Denied By Financial Institution | 1,677 | $138,573,000 | $82,000 | $4,225,000 | $77,000 | $4,802,000 |
| Application Withdrawn By Applicant | 505 | $92,713,000 | $183,000 | $1,300,000 | $115,000 | $1,425,000 |
| Application Approved But Not Accepted | 483 | $58,752,000 | $121,000 | $975,000 | $112,000 | $1,718,000 |
| Preapproval Denied by Financial Institution | 413 | $45,329,000 | $109,000 | $417,000 | $53,000 | $312,000 |
| File Closed For Incompleteness | 150 | $25,716,000 | $171,000 | $417,000 | $107,000 | $750,000 |
| 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 | 1,052 | $71,182,000 | $67,000 | $840,000 | $65,000 | $4,802,000 |
| Debt-To-Income Ratio | 489 | $56,491,000 | $115,000 | $1,040,000 | $59,000 | $805,000 |
| Collateral | 325 | $32,914,000 | $101,000 | $470,000 | $98,000 | $1,000,000 |
| Credit Application Incomplete | 123 | $2,411,000 | $19,000 | $171,000 | $76,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 57 | $10,539,000 | $184,000 | $600,000 | $104,000 | $372,000 |
| Other | 33 | $9,209,000 | $279,000 | $4,225,000 | $199,000 | $1,512,000 |
| Employment History | 9 | $1,113,000 | $123,000 | $235,000 | $81,000 | $248,000 |
| Unverifiable Information | 2 | $43,000 | $21,000 | $40,000 | $82,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, N.A.'s 2009 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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