Commerce Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Commerce Bank, Na 2003 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, Na 2059 Spingdale Road Cherry Hill, NJ 08003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 19,265 |
| Total Mortgage Loan Application Amount | $2,736,493,000 |
| Average Mortgage Loan Application Amount | $263,965 |
| Highest Mortgage Loan Application Amount | $20,100,000 |
| Average Applicant Income | $145,500 |
| Highest Applicant Income | $8,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Commerce Bank, Na. 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, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Commerce Bank, Na'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, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by Commerce Bank, Na, 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, Na's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Camden County New Jersey | 3,540 | $ 263,135,000 | $ 74,000 | $ 66,000 |
| Burlington County New Jersey | 2,129 | $ 219,567,000 | $ 103,000 | $ 75,000 |
| Gloucester County New Jersey | 1,934 | $ 141,901,000 | $ 73,000 | $ 71,000 |
| Ocean County New Jersey | 1,303 | $ 227,984,000 | $ 174,000 | $ 98,000 |
| Atlantic County New Jersey | 1,283 | $ 117,643,000 | $ 91,000 | $ 78,000 |
| Monmouth County New Jersey | 973 | $ 221,426,000 | $ 227,000 | $ 112,000 |
| Bergen County New Jersey | 707 | $ 172,902,000 | $ 244,000 | $ 98,000 |
| Middlesex County New Jersey | 647 | $ 88,495,000 | $ 136,000 | $ 100,000 |
| Cape May County New Jersey | 477 | $ 108,190,000 | $ 226,000 | $ 122,000 |
| Montgomery County Pennsylvania | 458 | $ 89,869,000 | $ 196,000 | $ 114,000 |
| Philadelphia County Pennsylvania | 449 | $ 66,385,000 | $ 147,000 | $ 77,000 |
| Mercer County New Jersey | 391 | $ 44,232,000 | $ 113,000 | $ 93,000 |
| Bucks County Pennsylvania | 357 | $ 70,628,000 | $ 197,000 | $ 114,000 |
| Morris County New Jersey | 348 | $ 64,258,000 | $ 184,000 | $ 99,000 |
| Union County New Jersey | 333 | $ 58,394,000 | $ 175,000 | $ 77,000 |
| Somerset County New Jersey | 326 | $ 63,093,000 | $ 193,000 | $ 123,000 |
| Delaware County Pennsylvania | 301 | $ 51,088,000 | $ 169,000 | $ 88,000 |
| Hunterdon County New Jersey | 298 | $ 48,657,000 | $ 163,000 | $ 121,000 |
| Nassau County New York | 296 | $ 40,936,000 | $ 138,000 | $ 138,000 |
| Suffolk County New York | 286 | $ 63,042,000 | $ 220,000 | $ 171,000 |
| New York County New York | 262 | $ 137,279,000 | $ 523,000 | $ 102,000 |
| Cumberland County New Jersey | 255 | $ 18,429,000 | $ 72,000 | $ 54,000 |
| New Castle County Delaware | 214 | $ 36,117,000 | $ 168,000 | $ 80,000 |
| Essex County New Jersey | 210 | $ 60,698,000 | $ 289,000 | $ 123,000 |
| Chester County Pennsylvania | 186 | $ 44,342,000 | $ 238,000 | $ 107,000 |
| Passaic County New Jersey | 176 | $ 32,765,000 | $ 186,000 | $ 97,000 |
| Kings County New York | 143 | $ 28,627,000 | $ 200,000 | $ 71,000 |
| Queens County New York | 141 | $ 17,692,000 | $ 125,000 | $ 62,000 |
| Sussex County New Jersey | 89 | $ 14,026,000 | $ 157,000 | $ 94,000 |
| Hudson County New Jersey | 74 | $ 13,163,000 | $ 177,000 | $ 83,000 |
| Salem County New Jersey | 68 | $ 6,164,000 | $ 90,000 | $ 74,000 |
| Rockland County New York | 60 | $ 10,194,000 | $ 169,000 | $ 97,000 |
| Richmond County New York | 53 | $ 7,810,000 | $ 147,000 | $ 84,000 |
| Warren County New Jersey | 52 | $ 8,161,000 | $ 156,000 | $ 78,000 |
| Bronx County New York | 43 | $ 5,336,000 | $ 124,000 | $ 79,000 |
| Westchester County New York | 43 | $ 8,305,000 | $ 193,000 | $ 143,000 |
| Orange County New York | 41 | $ 7,163,000 | $ 174,000 | $ 105,000 |
| Northampton County Pennsylvania | 19 | $ 3,105,000 | $ 163,000 | $ 130,000 |
| Monroe County Pennsylvania | 18 | $ 2,000,000 | $ 111,000 | $ 114,000 |
| Fairfield County Connecticut | 15 | $ 5,583,000 | $ 372,000 | $ 265,000 |
| Kent County Delaware | 13 | $ 1,341,000 | $ 103,000 | $ 82,000 |
| Berks County Pennsylvania | 12 | $ 2,185,000 | $ 182,000 | $ 77,000 |
| Carbon County Pennsylvania | 10 | $ 1,092,000 | $ 109,000 | $ 124,000 |
| Pike County Pennsylvania | 10 | $ 1,425,000 | $ 142,000 | $ 104,000 |
| Wayne County Pennsylvania | 10 | $ 842,000 | $ 84,000 | $ 95,000 |
| Sussex County Delaware | 9 | $ 2,020,000 | $ 224,000 | $ 127,000 |
| Palm Beach County Florida | 9 | $ 1,260,000 | $ 140,000 | $ 73,000 |
| Lancaster County Pennsylvania | 9 | $ 1,117,000 | $ 124,000 | $ 84,000 |
| Sullivan County New York | 8 | $ 754,000 | $ 94,000 | $ 81,000 |
| Worcester County Maryland | 7 | $ 1,085,000 | $ 155,000 | $ 99,000 |
| Cecil County Maryland | 6 | $ 1,086,000 | $ 181,000 | $ 80,000 |
| Ulster County New York | 6 | $ 1,037,000 | $ 172,000 | $ 147,000 |
| Dutchess County New York | 5 | $ 832,000 | $ 166,000 | $ 77,000 |
| Lackawanna County Pennsylvania | 5 | $ 653,000 | $ 130,000 | $ 83,000 |
| Greene County New York | 4 | $ 438,000 | $ 109,000 | $ 113,000 |
| Putnam County New York | 4 | $ 2,172,000 | $ 543,000 | $ 245,000 |
| Lehigh County Pennsylvania | 4 | $ 703,000 | $ 175,000 | $ 96,000 |
| Potter County Pennsylvania | 4 | $ 311,000 | $ 77,000 | $ 28,000 |
| Collier County Florida | 3 | $ 1,570,000 | $ 523,000 | $ 377,000 |
| Hillsborough County Florida | 3 | $ 734,000 | $ 244,000 | $ 231,000 |
| Lee County Florida | 3 | $ 3,745,000 | $ 1,248,000 | $ 503,000 |
| Miami-Dade County Florida | 3 | $ 420,000 | $ 140,000 | $ 315,000 |
| St. Louis County Missouri | 3 | $ 57,000 | $ 19,000 | $ 72,000 |
| Columbia County New York | 3 | $ 366,000 | $ 122,000 | $ 152,000 |
| Fulton County Pennsylvania | 3 | $ 360,000 | $ 120,000 | $ 59,000 |
| Hartford County Connecticut | 2 | $ 1,046,000 | $ 523,000 | $ 35,000 |
| New Haven County Connecticut | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Pinellas County Florida | 2 | $ 201,000 | $ 100,000 | $ 76,000 |
| Sarasota County Florida | 2 | $ 618,000 | $ 309,000 | $ 184,000 |
| Baltimore County Maryland | 2 | $ 369,000 | $ 184,000 | $ 146,000 |
| Montgomery County Maryland | 2 | $ 249,000 | $ 124,000 | $ 91,000 |
| St. Charles County Missouri | 2 | $ 40,000 | $ 20,000 | $ 69,000 |
| Delaware County New York | 2 | $ 139,000 | $ 69,000 | $ 124,000 |
| Currituck County North Carolina | 2 | $ 870,000 | $ 435,000 | $ 420,000 |
| Luzerne County Pennsylvania | 2 | $ 147,000 | $ 73,000 | $ 40,000 |
| Schuylkill County Pennsylvania | 2 | $ 436,000 | $ 218,000 | $ 22,000 |
| York County Pennsylvania | 2 | $ 215,000 | $ 107,000 | $ 126,000 |
| Bennington County Vermont | 2 | $ 546,000 | $ 273,000 | $ 208,000 |
| Windham County Vermont | 2 | $ 490,000 | $ 245,000 | $ 58,000 |
| Fairfax County Virginia | 2 | $ 472,000 | $ 236,000 | $ 111,000 |
| Pima County Arizona | 1 | $ 27,000 | $ 27,000 | $ 65,000 |
| Los Angeles County California | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| San Bernardino County California | 1 | $ 450,000 | $ 450,000 | $ 120,000 |
| Eagle County Colorado | 1 | $ 260,000 | $ 260,000 | $ 1,081,000 |
| New London County Connecticut | 1 | $ 120,000 | $ 120,000 | $ 130,000 |
| Brevard County Florida | 1 | $ 112,000 | $ 112,000 | $ 62,000 |
| Broward County Florida | 1 | $ 537,000 | $ 537,000 | $ 250,000 |
| Charlotte County Florida | 1 | $ 323,000 | $ 323,000 | $ 49,000 |
| Indian River County Florida | 1 | $ 324,000 | $ 324,000 | $ 324,000 |
| Martin County Florida | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Monroe County Florida | 1 | $ 404,000 | $ 404,000 | $ 161,000 |
| Okaloosa County Florida | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Orange County Florida | 1 | $ 204,000 | $ 204,000 | $ 171,000 |
| Osceola County Florida | 1 | $ 102,000 | $ 102,000 | $ 74,000 |
| Pasco County Florida | 1 | $ 50,000 | $ 50,000 | $ 68,000 |
| Polk County Florida | 1 | $ 38,000 | $ 38,000 | $ 70,000 |
| Greene County Georgia | 1 | $ 495,000 | $ 495,000 | $ 630,000 |
| Honolulu County Hawaii | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Cook County Illinois | 1 | $ 44,000 | $ 44,000 | $ 36,000 |
| Hancock County Illinois | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Peoria County Illinois | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Hancock County Maine | 1 | $ 233,000 | $ 233,000 | $ 154,000 |
| Calvert County Maryland | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Charles County Maryland | 1 | $ 131,000 | $ 131,000 | $ 41,000 |
| Kent County Maryland | 1 | $ 100,000 | $ 100,000 | $ 105,000 |
| Barnstable County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Berkshire County Massachusetts | 1 | $ 221,000 | $ 221,000 | $ 104,000 |
| Dukes County Massachusetts | 1 | $ 413,000 | $ 413,000 | $ 192,000 |
| Middlesex County Massachusetts | 1 | $ 4,000 | $ 4,000 | $ 91,000 |
| Norfolk County Massachusetts | 1 | $ 192,000 | $ 192,000 | $ 38,000 |
| Suffolk County Massachusetts | 1 | $ 286,000 | $ 286,000 | $ 64,000 |
| Worcester County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 89,000 |
| Lenawee County Michigan | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Livingston County Michigan | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Wayne County Michigan | 1 | $ 550,000 | $ 550,000 | $ 1,268,000 |
| DeSoto County Mississippi | 1 | $ 12,000 | $ 12,000 | $ 38,000 |
| Buchanan County Missouri | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Greene County Missouri | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Jefferson County Missouri | 1 | $ 5,000 | $ 5,000 | $ 87,000 |
| Lawrence County Missouri | 1 | $ 145,000 | $ 145,000 | $ 19,000 |
| Randolph County Missouri | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| St. Francois County Missouri | 1 | $ 2,000 | $ 2,000 | $ 16,000 |
| Keith County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Merrimack County New Hampshire | 1 | $ 254,000 | $ 254,000 | $ 300,000 |
| Albany County New York | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Cortland County New York | 1 | $ 385,000 | $ 385,000 | $ 115,000 |
| Fulton County New York | 1 | $ 360,000 | $ 360,000 | $ 169,000 |
| Hamilton County New York | 1 | $ 200,000 | $ 200,000 | $ 172,000 |
| Jefferson County New York | 1 | $ 122,000 | $ 122,000 | $ 136,000 |
| Monroe County New York | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Oneida County New York | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| Otsego County New York | 1 | $ 60,000 | $ 60,000 | $ 9,000 |
| Schoharie County New York | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Steuben County New York | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Warren County New York | 1 | $ 2,150,000 | $ 2,150,000 | $ 1,069,000 |
| Wayne County New York | 1 | $ 17,000 | $ 17,000 | $ 19,000 |
| New Hanover County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 105,000 |
| Northampton County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Clark County Ohio | 1 | $ 41,000 | $ 41,000 | $ 46,000 |
| Delaware County Ohio | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 38,000 | $ 38,000 | $ 38,000 |
| Stark County Ohio | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Kingfisher County Oklahoma | 1 | $ 93,000 | $ 93,000 | $ 40,000 |
| Lane County Oregon | 1 | $ 230,000 | $ 230,000 | $ 341,000 |
| Adams County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 56,000 |
| Allegheny County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 108,000 |
| Blair County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Butler County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Cumberland County Pennsylvania | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 32,000 |
| Lebanon County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Washington County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Berkeley County South Carolina | 1 | $ 124,000 | $ 124,000 | $ 163,000 |
| Dorchester County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 80,000 |
| Kershaw County South Carolina | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Bexar County Texas | 1 | $ 70,000 | $ 70,000 | $ 240,000 |
| Harrisonburg County Virginia | 1 | $ 124,000 | $ 124,000 | $ 64,000 |
| King and Queen County Virginia | 1 | $ 323,000 | $ 323,000 | $ 146,000 |
| Spotsylvania County Virginia | 1 | $ 146,000 | $ 146,000 | $ 47,000 |
| Warren County Virginia | 1 | $ 175,000 | $ 175,000 | $ 159,000 |
| Ohio County West Virginia | 1 | $ 3,000 | $ 3,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, Na in 2003
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 (home purchase or home improvement, one-to-four family) | 9,887 | $1,758,524,000 | $252,272 | $4,800,000 | $252,590 | $3,362,000 |
| Home Improvement (one-to-four family) | 5,817 | $159,423,000 | $25,545 | $5,100,000 | $82,818 | $6,847,000 |
| Home Purchase (one-to-four family) | 3,498 | $681,170,000 | $163,952 | $5,500,000 | $93,857 | $8,000,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 63 | $137,376,000 | $1,509,000 | $20,100,000 | $0 | $0 |
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 | 15,591 | $2,238,709,000 | $191,740 | $5,500,000 | $190,111 | $8,000,000 |
| Black | 991 | $71,951,000 | $116,800 | $750,000 | $107,300 | $955,000 |
| Information not provided by applicant in mail or telephone application | 870 | $50,316,000 | $148,416 | $1,230,000 | $89,000 | $765,000 |
| Hispanic | 798 | $66,627,000 | $114,666 | $2,000,000 | $63,166 | $989,000 |
| Asian or Pacific Islander | 619 | $115,242,000 | $173,000 | $2,026,000 | $82,555 | $1,727,000 |
| Other | 203 | $15,482,000 | $111,600 | $650,000 | $78,800 | $364,000 |
| Not applicable | 138 | $175,245,000 | $1,157,000 | $20,100,000 | $154,750 | $2,700,000 |
| American Indian or Alaskan Native | 55 | $2,921,000 | $79,000 | $264,000 | $78,000 | $240,000 |
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) | 19,087 | $2,707,391,000 | $187,206 | $20,100,000 | $177,103 | $8,000,000 |
| FHA-insured (Federal Housing Administration) | 176 | $28,903,000 | $160,250 | $4,800,000 | $57,250 | $246,000 |
| VA-guaranteed (Veterans Administration) | 2 | $199,000 | $99,000 | $145,000 | $60,000 | $102,000 |
| 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 | 12,875 | $2,023,281,000 | $247,750 | $3,500,000 | $249,800 | $8,000,000 |
| Application Denied By Financial Institution | 3,380 | $197,437,000 | $58,900 | $20,100,000 | $60,100 | $6,847,000 |
| Application Approved But Not Accepted | 2,496 | $358,264,000 | $213,875 | $5,500,000 | $168,750 | $3,338,000 |
| Application Withdrawn By Applicant | 335 | $124,290,000 | $346,000 | $14,000,000 | $130,454 | $1,727,000 |
| Loan Purchased By The Institution | 109 | $16,619,000 | $174,000 | $330,000 | $92,000 | $955,000 |
| File Closed For Incompleteness | 70 | $16,602,000 | $256,000 | $2,400,000 | $135,000 | $3,162,000 |
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 | 2,348 | $73,901,000 | $31,666 | $2,500,000 | $76,555 | $6,847,000 |
| Debt-To-Income Ratio | 713 | $34,418,000 | $73,833 | $4,500,000 | $58,666 | $908,000 |
| Other | 134 | $75,903,000 | $175,687 | $20,100,000 | $59,500 | $300,000 |
| Collateral | 122 | $8,355,000 | $191,600 | $680,000 | $89,400 | $309,000 |
| Credit Application Incomplete | 35 | $2,180,000 | $49,750 | $315,000 | $63,000 | $138,000 |
| Employment History | 15 | $1,032,000 | $73,500 | $200,000 | $42,250 | $102,000 |
| Unverifiable Information | 10 | $1,113,000 | $116,500 | $270,000 | $30,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $270,000 | $32,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, Na's 2003 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, Na'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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with aggregated HMDA statistics today.