Commerce Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Commerce Bank, Na 2004 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 | 17,413 |
| Total Mortgage Loan Application Amount | $2,187,971,000 |
| Average Mortgage Loan Application Amount | $149,647 |
| Highest Mortgage Loan Application Amount | $24,000,000 |
| Average Applicant Income | $97,875 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 2,814 | $ 176,570,000 | $ 62,000 | $ 65,000 |
| Ocean County New Jersey | 2,084 | $ 195,404,000 | $ 93,000 | $ 76,000 |
| Gloucester County New Jersey | 1,622 | $ 104,594,000 | $ 64,000 | $ 71,000 |
| Burlington County New Jersey | 1,587 | $ 134,892,000 | $ 84,000 | $ 75,000 |
| Atlantic County New Jersey | 1,111 | $ 88,144,000 | $ 79,000 | $ 83,000 |
| Monmouth County New Jersey | 889 | $ 138,417,000 | $ 155,000 | $ 104,000 |
| Middlesex County New Jersey | 541 | $ 59,280,000 | $ 109,000 | $ 82,000 |
| Nassau County New York | 515 | $ 82,230,000 | $ 159,000 | $ 107,000 |
| Suffolk County New York | 398 | $ 63,661,000 | $ 159,000 | $ 108,000 |
| Cape May County New Jersey | 390 | $ 92,548,000 | $ 237,000 | $ 199,000 |
| Queens County New York | 339 | $ 39,886,000 | $ 117,000 | $ 91,000 |
| Philadelphia County Pennsylvania | 337 | $ 47,891,000 | $ 142,000 | $ 73,000 |
| Morris County New Jersey | 326 | $ 52,605,000 | $ 161,000 | $ 90,000 |
| Kings County New York | 319 | $ 59,814,000 | $ 187,000 | $ 62,000 |
| Mercer County New Jersey | 313 | $ 29,049,000 | $ 92,000 | $ 74,000 |
| Somerset County New Jersey | 297 | $ 39,412,000 | $ 132,000 | $ 87,000 |
| Cumberland County New Jersey | 283 | $ 16,521,000 | $ 58,000 | $ 54,000 |
| Richmond County New York | 283 | $ 37,082,000 | $ 131,000 | $ 88,000 |
| Union County New Jersey | 276 | $ 37,894,000 | $ 137,000 | $ 91,000 |
| Bergen County New Jersey | 272 | $ 77,685,000 | $ 285,000 | $ 128,000 |
| New York County New York | 250 | $ 181,843,000 | $ 727,000 | $ 189,000 |
| Montgomery County Pennsylvania | 248 | $ 68,799,000 | $ 277,000 | $ 110,000 |
| Delaware County Pennsylvania | 195 | $ 32,904,000 | $ 168,000 | $ 91,000 |
| Bucks County Pennsylvania | 186 | $ 43,088,000 | $ 231,000 | $ 120,000 |
| Hunterdon County New Jersey | 167 | $ 25,793,000 | $ 154,000 | $ 94,000 |
| Essex County New Jersey | 116 | $ 28,858,000 | $ 248,000 | $ 111,000 |
| New Castle County Delaware | 112 | $ 17,631,000 | $ 157,000 | $ 78,000 |
| Chester County Pennsylvania | 102 | $ 26,437,000 | $ 259,000 | $ 113,000 |
| Passaic County New Jersey | 81 | $ 15,742,000 | $ 194,000 | $ 89,000 |
| Salem County New Jersey | 81 | $ 7,842,000 | $ 96,000 | $ 73,000 |
| Westchester County New York | 81 | $ 29,967,000 | $ 369,000 | $ 136,000 |
| Bronx County New York | 73 | $ 7,259,000 | $ 99,000 | $ 72,000 |
| Warren County New Jersey | 65 | $ 8,514,000 | $ 130,000 | $ 67,000 |
| Hudson County New Jersey | 64 | $ 16,473,000 | $ 257,000 | $ 71,000 |
| Sussex County New Jersey | 59 | $ 9,047,000 | $ 153,000 | $ 113,000 |
| Rockland County New York | 58 | $ 5,850,000 | $ 100,000 | $ 103,000 |
| Orange County New York | 30 | $ 4,362,000 | $ 145,000 | $ 80,000 |
| Monroe County Pennsylvania | 28 | $ 3,774,000 | $ 134,000 | $ 77,000 |
| Sussex County Delaware | 15 | $ 4,578,000 | $ 305,000 | $ 93,000 |
| Palm Beach County Florida | 14 | $ 5,065,000 | $ 361,000 | $ 306,000 |
| Kent County Delaware | 13 | $ 1,516,000 | $ 116,000 | $ 53,000 |
| Northampton County Pennsylvania | 13 | $ 2,239,000 | $ 172,000 | $ 90,000 |
| Pike County Pennsylvania | 13 | $ 1,714,000 | $ 131,000 | $ 47,000 |
| Dutchess County New York | 11 | $ 1,651,000 | $ 150,000 | $ 270,000 |
| Carbon County Pennsylvania | 11 | $ 1,115,000 | $ 101,000 | $ 84,000 |
| Fairfield County Connecticut | 10 | $ 4,776,000 | $ 477,000 | $ 143,000 |
| Berks County Pennsylvania | 10 | $ 1,400,000 | $ 140,000 | $ 72,000 |
| Broward County Florida | 9 | $ 2,079,000 | $ 231,000 | $ 78,000 |
| Ulster County New York | 8 | $ 1,135,000 | $ 141,000 | $ 112,000 |
| Lee County Florida | 7 | $ 1,751,000 | $ 250,000 | $ 342,000 |
| Sullivan County New York | 7 | $ 681,000 | $ 97,000 | $ 85,000 |
| Lehigh County Pennsylvania | 7 | $ 1,094,000 | $ 156,000 | $ 62,000 |
| Worcester County Maryland | 6 | $ 1,537,000 | $ 256,000 | $ 179,000 |
| Horry County South Carolina | 6 | $ 1,758,000 | $ 293,000 | $ 151,000 |
| Collier County Florida | 5 | $ 1,704,000 | $ 340,000 | $ 214,000 |
| Putnam County New York | 5 | $ 1,054,000 | $ 210,000 | $ 230,000 |
| Wayne County Pennsylvania | 5 | $ 604,000 | $ 120,000 | $ 160,000 |
| Hillsborough County Florida | 4 | $ 305,000 | $ 76,000 | $ 70,000 |
| Miami-Dade County Florida | 4 | $ 1,992,000 | $ 498,000 | $ 290,000 |
| Orange County Florida | 4 | $ 1,657,000 | $ 414,000 | $ 321,000 |
| Pinellas County Florida | 4 | $ 559,000 | $ 139,000 | $ 100,000 |
| Sarasota County Florida | 4 | $ 982,000 | $ 245,000 | $ 96,000 |
| Volusia County Florida | 4 | $ 2,505,000 | $ 626,000 | $ 301,000 |
| Columbia County New York | 4 | $ 745,000 | $ 186,000 | $ 187,000 |
| Schenectady County New York | 4 | $ 450,000 | $ 112,000 | $ 35,000 |
| Beaufort County South Carolina | 4 | $ 547,000 | $ 136,000 | $ 106,000 |
| Maricopa County Arizona | 3 | $ 775,000 | $ 258,000 | $ 151,000 |
| Riverside County California | 3 | $ 150,000 | $ 50,000 | $ 50,000 |
| Lake County Florida | 3 | $ 267,000 | $ 89,000 | $ 646,000 |
| Honolulu County Hawaii | 3 | $ 670,000 | $ 223,000 | $ 41,000 |
| Baltimore City County Maryland | 3 | $ 384,000 | $ 128,000 | $ 54,000 |
| Cecil County Maryland | 3 | $ 175,000 | $ 58,000 | $ 34,000 |
| Barnstable County Massachusetts | 3 | $ 624,000 | $ 208,000 | $ 110,000 |
| Greene County New York | 3 | $ 396,000 | $ 132,000 | $ 83,000 |
| Saratoga County New York | 3 | $ 130,000 | $ 43,000 | $ 73,000 |
| Lackawanna County Pennsylvania | 3 | $ 192,000 | $ 64,000 | $ 70,000 |
| Luzerne County Pennsylvania | 3 | $ 140,000 | $ 46,000 | $ 64,000 |
| York County Pennsylvania | 3 | $ 265,000 | $ 88,000 | $ 105,000 |
| Yavapai County Arizona | 2 | $ 153,000 | $ 76,000 | $ 47,000 |
| San Luis Obispo County California | 2 | $ 330,000 | $ 165,000 | $ 38,000 |
| New Haven County Connecticut | 2 | $ 1,480,000 | $ 740,000 | $ 706,000 |
| Brevard County Florida | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Charlotte County Florida | 2 | $ 114,000 | $ 57,000 | $ 52,000 |
| Hernando County Florida | 2 | $ 224,000 | $ 112,000 | $ 82,000 |
| Martin County Florida | 2 | $ 270,000 | $ 135,000 | $ 100,000 |
| Osceola County Florida | 2 | $ 313,000 | $ 156,000 | $ 35,000 |
| St. Lucie County Florida | 2 | $ 226,000 | $ 113,000 | $ 35,000 |
| Linn County Iowa | 2 | $ 86,000 | $ 43,000 | $ 43,000 |
| Kennebec County Maine | 2 | $ 221,000 | $ 110,000 | $ 75,000 |
| St. Louis City County Missouri | 2 | $ 205,000 | $ 102,000 | $ 20,000 |
| Erie County New York | 2 | $ 163,000 | $ 81,000 | $ 90,000 |
| Oneida County New York | 2 | $ 121,000 | $ 60,000 | $ 52,000 |
| Wake County North Carolina | 2 | $ 595,000 | $ 297,000 | $ 930,000 |
| Marion County Oregon | 2 | $ 74,000 | $ 37,000 | $ 64,000 |
| Dauphin County Pennsylvania | 2 | $ 296,000 | $ 148,000 | $ 110,000 |
| Lancaster County Pennsylvania | 2 | $ 281,000 | $ 140,000 | $ 20,000 |
| Dallas County Texas | 2 | $ 10,000 | $ 5,000 | $ 40,000 |
| Windham County Vermont | 2 | $ 315,000 | $ 157,000 | $ 159,000 |
| Windsor County Vermont | 2 | $ 781,000 | $ 390,000 | $ 227,000 |
| Chesterfield County Virginia | 2 | $ 26,000 | $ 13,000 | $ 71,000 |
| Loudoun County Virginia | 2 | $ 245,000 | $ 122,000 | $ 79,000 |
| Jefferson County Alabama | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| St. Clair County Alabama | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Pinal County Arizona | 1 | $ 1,000,000 | $ 1,000,000 | $ 361,000 |
| Benton County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Fresno County California | 1 | $ 20,000 | $ 20,000 | $ 90,000 |
| Humboldt County California | 1 | $ 400,000 | $ 400,000 | $ 148,000 |
| Imperial County California | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Los Angeles County California | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Placer County California | 1 | $ 37,000 | $ 37,000 | $ 24,000 |
| Sacramento County California | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| San Francisco County California | 1 | $ 647,000 | $ 647,000 | $ 320,000 |
| Solano County California | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Ventura County California | 1 | $ 2,240,000 | $ 2,240,000 | $ 1,675,000 |
| Denver County Colorado | 1 | $ 320,000 | $ 320,000 | $ 43,000 |
| Eagle County Colorado | 1 | $ 915,000 | $ 915,000 | $ 884,000 |
| Mesa County Colorado | 1 | $ 63,000 | $ 63,000 | $ 71,000 |
| Litchfield County Connecticut | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 4,200,000 | $ 4,200,000 | $ 1,800,000 |
| District of Columbia County District Of Columbia | 1 | $ 230,000 | $ 230,000 | $ 43,000 |
| Alachua County Florida | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Indian River County Florida | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
| Manatee County Florida | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Sumter County Florida | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Cherokee County Georgia | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Ware County Georgia | 1 | $ 30,000 | $ 30,000 | $ 310,000 |
| Canyon County Idaho | 1 | $ 24,000 | $ 24,000 | $ 29,000 |
| Marion County Illinois | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| McDonough County Illinois | 1 | $ 38,000 | $ 38,000 | $ 62,000 |
| St. Clair County Illinois | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Williamson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Fulton County Indiana | 1 | $ 57,000 | $ 57,000 | $ 25,000 |
| Jefferson County Indiana | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Kosciusko County Indiana | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| LaPorte County Indiana | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Marion County Indiana | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Montgomery County Indiana | 1 | $ 228,000 | $ 228,000 | $ 265,000 |
| Vigo County Indiana | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Polk County Iowa | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Pottawattamie County Iowa | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Scott County Iowa | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Shawnee County Kansas | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Calcasieu County Louisiana | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Talbot County Maryland | 1 | $ 360,000 | $ 360,000 | $ 174,000 |
| Washington County Maryland | 1 | $ 140,000 | $ 140,000 | $ 160,000 |
| Dukes County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 138,000 |
| Middlesex County Massachusetts | 1 | $ 333,000 | $ 333,000 | $ 99,000 |
| Suffolk County Massachusetts | 1 | $ 190,000 | $ 190,000 | $ 380,000 |
| Allegan County Michigan | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Antrim County Michigan | 1 | $ 90,000 | $ 90,000 | $ 31,000 |
| Grand Traverse County Michigan | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Ingham County Michigan | 1 | $ 58,000 | $ 58,000 | $ 44,000 |
| Jackson County Michigan | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Kalamazoo County Michigan | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Monroe County Michigan | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Washtenaw County Michigan | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Wayne County Michigan | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Blue Earth County Minnesota | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Goodhue County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Wright County Minnesota | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Bollinger County Missouri | 1 | $ 6,000 | $ 6,000 | $ 20,000 |
| Jackson County Missouri | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Johnson County Missouri | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| Flathead County Montana | 1 | $ 380,000 | $ 380,000 | $ 96,000 |
| Lincoln County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 24,000 |
| Clark County Nevada | 1 | $ 328,000 | $ 328,000 | $ 142,000 |
| Washoe County Nevada | 1 | $ 33,000 | $ 33,000 | $ 117,000 |
| Carroll County New Hampshire | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Valencia County New Mexico | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Delaware County New York | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Essex County New York | 1 | $ 334,000 | $ 334,000 | $ 204,000 |
| Hamilton County New York | 1 | $ 200,000 | $ 200,000 | $ 172,000 |
| Montgomery County New York | 1 | $ 20,000 | $ 20,000 | $ 133,000 |
| Ontario County New York | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Otsego County New York | 1 | $ 63,000 | $ 63,000 | $ 73,000 |
| Schoharie County New York | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| St. Lawrence County New York | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Steuben County New York | 1 | $ 59,000 | $ 59,000 | $ 65,000 |
| Tioga County New York | 1 | $ 40,000 | $ 40,000 | $ 59,000 |
| Wayne County New York | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Buncombe County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Dare County North Carolina | 1 | $ 821,000 | $ 821,000 | $ 165,000 |
| Mecklenburg County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 135,000 |
| Robeson County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Butler County Ohio | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Champaign County Ohio | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Lucas County Ohio | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Cleveland County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Sequoyah County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Tulsa County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Multnomah County Oregon | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Cumberland County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Jefferson County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 56,000 |
| Lawrence County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 497,000 |
| Lebanon County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 81,000 |
| Sullivan County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Susquehanna County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 99,000 |
| Carroll County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 53,000 |
| Grundy County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Hamblen County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 135,000 |
| Sumner County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Brazoria County Texas | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Brown County Texas | 1 | $ 35,000 | $ 35,000 | $ 15,000 |
| Collin County Texas | 1 | $ 51,000 | $ 51,000 | $ 80,000 |
| Guadalupe County Texas | 1 | $ 18,000 | $ 18,000 | $ 47,000 |
| Harris County Texas | 1 | $ 38,000 | $ 38,000 | $ 12,000 |
| Montgomery County Texas | 1 | $ 27,000 | $ 27,000 | $ 77,000 |
| Orange County Texas | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Bennington County Vermont | 1 | $ 285,000 | $ 285,000 | $ 288,000 |
| Lamoille County Vermont | 1 | $ 86,000 | $ 86,000 | $ 121,000 |
| Rutland County Vermont | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| Accomack County Virginia | 1 | $ 302,000 | $ 302,000 | $ 57,000 |
| Alexandria County Virginia | 1 | $ 391,000 | $ 391,000 | $ 206,000 |
| Bedford City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Fairfax County Virginia | 1 | $ 162,000 | $ 162,000 | $ 55,000 |
| Virginia Beach County Virginia | 1 | $ 240,000 | $ 240,000 | $ 132,000 |
| Berkeley County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Jefferson County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Green County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Washburn County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Washington County Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 14,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, Na in 2004
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 8,482 | $304,182,000 | $31,714 | $12,000,000 | $52,809 | $2,936,000 |
| Refinancing | 4,640 | $865,134,000 | $194,851 | $15,000,000 | $108,185 | $9,999,000 |
| Home Purchase | 4,291 | $1,018,655,000 | $181,050 | $24,000,000 | $114,575 | $9,999,000 |
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 | 13,132 | $1,601,143,000 | $171,025 | $4,200,000 | $116,650 | $3,688,000 |
| Not Provided | 1,310 | $126,244,000 | $95,523 | $1,540,000 | $77,809 | $4,097,000 |
| Black or African American | 1,132 | $83,516,000 | $86,545 | $2,240,000 | $59,818 | $1,200,000 |
| Hispanic | 1,013 | $72,224,000 | $125,500 | $637,000 | $62,000 | $359,000 |
| Asian | 556 | $99,673,000 | $240,857 | $3,000,000 | $109,285 | $1,824,000 |
| Not applicable | 162 | $197,715,000 | $1,144,600 | $24,000,000 | $145,000 | $9,999,000 |
| American Indian or Alaskan Native | 74 | $4,038,000 | $67,428 | $280,000 | $65,428 | $386,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $3,418,000 | $189,750 | $450,000 | $73,250 | $284,000 |
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) | 17,298 | $2,172,771,000 | $154,023 | $24,000,000 | $98,767 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 113 | $14,619,000 | $167,333 | $336,000 | $46,833 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $280,000 | $280,000 | $280,000 | $70,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $301,000 | $301,000 | $301,000 | $116,000 | $116,000 |
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 | 9,648 | $1,452,185,000 | $306,173 | $4,640,000 | $163,086 | $9,999,000 |
| Application Denied By Financial Institution | 5,140 | $275,791,000 | $55,250 | $15,000,000 | $51,694 | $984,000 |
| Application Approved But Not Accepted | 2,135 | $233,288,000 | $144,777 | $3,038,000 | $94,888 | $2,936,000 |
| Application Withdrawn By Applicant | 364 | $196,283,000 | $491,222 | $24,000,000 | $282,666 | $1,800,000 |
| Loan Purchased By The Institution | 76 | $10,478,000 | $158,500 | $513,000 | $44,000 | $170,000 |
| File Closed For Incompleteness | 42 | $18,845,000 | $932,833 | $4,200,000 | $496,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 7 | $969,000 | $138,000 | $238,000 | $47,000 | $66,000 |
| Preapproval Approved but not Accepted | 1 | $132,000 | $132,000 | $132,000 | $112,000 | $112,000 |
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 | 3,207 | $120,336,000 | $46,466 | $1,000,000 | $42,300 | $984,000 |
| Debt-To-Income Ratio | 1,420 | $77,391,000 | $72,187 | $2,500,000 | $37,562 | $900,000 |
| Other | 286 | $55,417,000 | $105,590 | $15,000,000 | $62,636 | $437,000 |
| Collateral | 115 | $11,368,000 | $136,833 | $1,167,000 | $75,333 | $310,000 |
| Credit Application Incomplete | 54 | $3,708,000 | $73,333 | $350,000 | $50,833 | $200,000 |
| Employment History | 31 | $2,340,000 | $117,500 | $432,000 | $93,500 | $234,000 |
| Unverifiable Information | 29 | $5,003,000 | $187,000 | $900,000 | $94,333 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,197,000 | $274,333 | $450,000 | $48,666 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, Na's 2004 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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