Commerce Bank, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Commerce Bank, N.A. of Kansas City, MO reported 5,567 mortgage applications totaling $637.8 million, down 19% from 2009. The average application was for $114,569, and applicants reported an average income of $99,222. 58% of its applications resulted in an originated loan and 27% were denied. Its largest markets were St. Louis, MO-IL (1,479), Kansas City, MO-KS (1,084) and Springfield, MO (356) (applications in parentheses).
| 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 | 5,567 |
| Total Mortgage Loan Application Amount | $637,811,000 |
| Average Mortgage Loan Application Amount | $114,569 |
| Highest Mortgage Loan Application Amount | $3,940,000 |
| Average Applicant Income | $99,222 |
| Highest Applicant Income | $6,573,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commerce Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 1,479 | $ 162,202,000 | $ 109,670 | $ 100,610 |
| Kansas City, MO-KS | 1,084 | $ 128,386,000 | $ 118,437 | $ 108,909 |
| Springfield, MO | 356 | $ 37,493,000 | $ 105,317 | $ 85,000 |
| St. Joseph, MO-KS | 275 | $ 26,947,000 | $ 97,989 | $ 91,730 |
| Columbia, MO | 262 | $ 41,938,000 | $ 160,068 | $ 100,000 |
| Wichita, KS | 178 | $ 17,960,000 | $ 100,898 | $ 99,000 |
| Peoria, IL | 177 | $ 19,213,000 | $ 108,548 | $ 87,000 |
| Bloomington-Normal, IL | 155 | $ 19,625,000 | $ 126,612 | $ 106,000 |
| Joplin, MO | 100 | $ 9,283,000 | $ 92,830 | $ 78,000 |
| Cape Girardeau-Jackson, MO-IL | 77 | $ 8,517,000 | $ 110,610 | $ 69,896 |
| Lawrence, KS | 74 | $ 9,418,000 | $ 127,270 | $ 97,000 |
| Manhattan, KS | 72 | $ 9,524,000 | $ 132,277 | $ 99,000 |
| Denver-Aurora-Broomfield, CO | 69 | $ 12,758,000 | $ 184,898 | $ 33,000 |
| Tulsa, OK | 60 | $ 16,439,000 | $ 273,983 | $ 204,000 |
| Jefferson City, MO | 56 | $ 5,772,000 | $ 103,071 | $ 81,000 |
| Champaign-Urbana, IL | 18 | $ 2,406,000 | $ 133,666 | $ 208,000 |
| Topeka, KS | 10 | $ 1,136,000 | $ 113,600 | $ 74,000 |
| Chicago-Joliet-Naperville, IL | 9 | $ 2,800,000 | $ 311,111 | $ 228,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,354,000 | $ 270,800 | $ 231,000 |
| Boulder, CO | 4 | $ 2,143,000 | $ 535,750 | $ 145,000 |
| Naples-Marco Island, FL | 4 | $ 1,967,000 | $ 491,750 | $ 946,000 |
| Phoenix-Mesa-Glendale, AZ | 4 | $ 2,168,000 | $ 542,000 | $ 199,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,034,000 | $ 258,500 | $ 318,000 |
| Fort Worth-Arlington, TX | 3 | $ 732,000 | $ 244,000 | $ 8,000 |
| Colorado Springs, CO | 2 | $ 236,000 | $ 118,000 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 299,000 | $ 299,000 | $ 129,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 1,005,000 | $ 1,005,000 | $ 6,573,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 400,000 | $ 400,000 | $ 169,000 |
| Charlottesville, VA | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Danville, IL | 1 | $ 8,000 | $ 8,000 | $ 100,000 |
| Decatur, IL | 1 | $ 82,000 | $ 82,000 | $ 26,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 79,000 | $ 79,000 | $ 54,000 |
| Fort Collins-Loveland, CO | 1 | $ 220,000 | $ 220,000 | $ 500,000 |
| Jacksonville, FL | 1 | $ 778,000 | $ 778,000 | $ 0 |
| Knoxville, TN | 1 | $ 100,000 | $ 100,000 | $ 444,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 160,000 | $ 160,000 | $ 216,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Muskegon-Norton Shores, MI | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 413,000 | $ 413,000 | $ 422,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 37,000 | $ 37,000 | $ 38,000 |
| Palm Coast, FL | 1 | $ 200,000 | $ 200,000 | $ 348,000 |
| Philadelphia, PA | 1 | $ 284,000 | $ 284,000 | $ 163,000 |
| Punta Gorda, FL | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Reading, PA | 1 | $ 414,000 | $ 414,000 | $ 433,000 |
| Reno-Sparks, NV | 1 | $ 900,000 | $ 900,000 | $ 300,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 451,000 | $ 451,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 225,000 | $ 225,000 | $ 622,000 |
| Springfield, IL | 1 | $ 548,000 | $ 548,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commerce Bank, N.A. in 2010
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 | 3,248 | $473,798,000 | $145,000 | $3,940,000 | $111,000 | $4,650,000 |
| Home Improvement | 1,367 | $31,506,000 | $23,000 | $560,000 | $70,000 | $1,050,000 |
| Home Purchase | 952 | $132,507,000 | $139,000 | $1,381,000 | $101,000 | $6,573,000 |
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 | 4,337 | $482,089,000 | $111,000 | $2,838,000 | $101,000 | $4,650,000 |
| Not Provided | 563 | $81,610,000 | $144,000 | $1,700,000 | $135,000 | $4,500,000 |
| Black or African American | 240 | $10,031,000 | $41,000 | $635,000 | $56,000 | $576,000 |
| Not applicable | 196 | $43,388,000 | $221,000 | $3,940,000 | $0 | $0 |
| Hispanic | 123 | $8,148,000 | $66,000 | $534,000 | $76,000 | $983,000 |
| Asian | 71 | $9,779,000 | $137,000 | $1,005,000 | $192,000 | $6,573,000 |
| American Indian or Alaskan Native | 33 | $2,634,000 | $79,000 | $417,000 | $90,000 | $384,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $132,000 | $33,000 | $101,000 | $28,000 | $41,000 |
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) | 5,285 | $604,682,000 | $114,000 | $3,940,000 | $102,000 | $6,573,000 |
| FHA-insured (Federal Housing Administration) | 251 | $28,871,000 | $115,000 | $279,000 | $58,000 | $272,000 |
| VA-guaranteed (Veterans Administration) | 31 | $4,258,000 | $137,000 | $388,000 | $67,000 | $175,000 |
| 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 | 3,220 | $407,545,000 | $126,000 | $3,940,000 | $104,000 | $4,650,000 |
| Application Denied By Financial Institution | 1,510 | $106,999,000 | $70,000 | $1,400,000 | $77,000 | $6,573,000 |
| Application Withdrawn By Applicant | 394 | $63,587,000 | $161,000 | $953,000 | $126,000 | $1,776,000 |
| Application Approved But Not Accepted | 293 | $35,366,000 | $120,000 | $883,000 | $125,000 | $1,249,000 |
| File Closed For Incompleteness | 141 | $23,358,000 | $165,000 | $975,000 | $103,000 | $359,000 |
| Preapproval Denied by Financial Institution | 9 | $956,000 | $106,000 | $178,000 | $60,000 | $100,000 |
| 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 | 709 | $36,455,000 | $51,000 | $941,000 | $61,000 | $1,008,000 |
| Debt-To-Income Ratio | 322 | $31,881,000 | $99,000 | $1,005,000 | $84,000 | $6,573,000 |
| Collateral | 320 | $32,348,000 | $101,000 | $1,400,000 | $97,000 | $834,000 |
| Credit Application Incomplete | 144 | $5,070,000 | $35,000 | $203,000 | $97,000 | $1,050,000 |
| Other | 10 | $410,000 | $41,000 | $125,000 | $59,000 | $162,000 |
| Employment History | 7 | $816,000 | $116,000 | $175,000 | $54,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $955,000 | $159,000 | $366,000 | $105,000 | $315,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, N.A.'s 2010 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About