Commerce Bank, NA Mortgage Lending & HMDA Data, 2005
In 2005, Commerce Bank, NA of Cherry Hill, NJ reported 28,373 mortgage applications totaling $3.5 billion, up 63% from 2004. The average application was for $124,232, and applicants reported an average income of $94,181. 57% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Camden, NJ (6,896), Philadelphia, PA (6,193) and Edison, NJ (4,569) (applications in parentheses).
| 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 | 28,373 |
| Total Mortgage Loan Application Amount | $3,524,838,000 |
| Average Mortgage Loan Application Amount | $124,232 |
| Highest Mortgage Loan Application Amount | $26,000,000 |
| Average Applicant Income | $94,181 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commerce Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Camden, New Jersey | 3,205 | $ 226,047,000 | $ 70,529 | $ 72,000 |
| Ocean, New Jersey | 2,280 | $ 243,954,000 | $ 106,997 | $ 90,000 |
| Philadelphia, Pennsylvania | 2,085 | $ 165,722,000 | $ 79,482 | $ 64,000 |
| Gloucester, New Jersey | 1,850 | $ 123,332,000 | $ 66,665 | $ 72,000 |
| Burlington, New Jersey | 1,841 | $ 167,776,000 | $ 91,133 | $ 117,000 |
| Atlantic, New Jersey | 1,400 | $ 148,422,000 | $ 106,015 | $ 82,000 |
| Montgomery, Pennsylvania | 1,301 | $ 135,891,000 | $ 104,451 | $ 94,000 |
| Delaware, Pennsylvania | 1,238 | $ 97,905,000 | $ 79,083 | $ 86,000 |
| Monmouth, New Jersey | 1,112 | $ 198,318,000 | $ 178,343 | $ 116,000 |
| Bucks, Pennsylvania | 1,104 | $ 100,072,000 | $ 90,644 | $ 94,000 |
| Middlesex, New Jersey | 806 | $ 104,539,000 | $ 129,700 | $ 89,000 |
| Nassau, New York | 769 | $ 135,400,000 | $ 176,072 | $ 115,000 |
| New Castle, Delaware | 762 | $ 51,747,000 | $ 67,909 | $ 77,000 |
| Suffolk, New York | 691 | $ 117,200,000 | $ 169,609 | $ 113,000 |
| Queens, New York | 601 | $ 75,158,000 | $ 125,054 | $ 116,000 |
| Kings, New York | 513 | $ 98,352,000 | $ 191,719 | $ 103,000 |
| Cape May, New Jersey | 500 | $ 127,170,000 | $ 254,340 | $ 158,000 |
| New York, New York | 481 | $ 243,732,000 | $ 506,719 | $ 198,000 |
| Chester, Pennsylvania | 465 | $ 52,381,000 | $ 112,647 | $ 97,000 |
| Mercer, New Jersey | 438 | $ 48,677,000 | $ 111,134 | $ 88,000 |
| Union, New Jersey | 425 | $ 52,727,000 | $ 124,063 | $ 95,000 |
| Morris, New Jersey | 401 | $ 68,528,000 | $ 170,892 | $ 118,000 |
| Richmond, New York | 389 | $ 51,409,000 | $ 132,156 | $ 99,000 |
| Somerset, New Jersey | 371 | $ 48,183,000 | $ 129,873 | $ 97,000 |
| Cumberland, New Jersey | 347 | $ 20,487,000 | $ 59,040 | $ 54,000 |
| Bergen, New Jersey | 284 | $ 96,646,000 | $ 340,302 | $ 121,000 |
| Hunterdon, New Jersey | 274 | $ 33,701,000 | $ 122,996 | $ 107,000 |
| Westchester, New York | 201 | $ 52,544,000 | $ 261,412 | $ 120,000 |
| Rockland, New York | 189 | $ 24,539,000 | $ 129,835 | $ 96,000 |
| Essex, New Jersey | 185 | $ 43,493,000 | $ 235,097 | $ 106,000 |
| Bronx, New York | 149 | $ 45,808,000 | $ 307,436 | $ 182,000 |
| Passaic, New Jersey | 136 | $ 32,530,000 | $ 239,191 | $ 92,000 |
| Kent, Delaware | 118 | $ 7,268,000 | $ 61,593 | $ 59,000 |
| Hudson, New Jersey | 116 | $ 34,675,000 | $ 298,922 | $ 119,000 |
| Salem, New Jersey | 103 | $ 11,700,000 | $ 113,592 | $ 86,000 |
| Lehigh, Pennsylvania | 69 | $ 4,704,000 | $ 68,173 | $ 65,000 |
| Northampton, Pennsylvania | 67 | $ 6,595,000 | $ 98,432 | $ 80,000 |
| Sussex, New Jersey | 66 | $ 8,493,000 | $ 128,681 | $ 94,000 |
| Warren, New Jersey | 62 | $ 7,856,000 | $ 126,709 | $ 75,000 |
| Berks, Pennsylvania | 53 | $ 4,427,000 | $ 83,528 | $ 63,000 |
| Orange, New York | 52 | $ 9,239,000 | $ 177,673 | $ 92,000 |
| Fairfield, Connecticut | 49 | $ 16,861,000 | $ 344,102 | $ 129,000 |
| Monroe, Pennsylvania | 41 | $ 4,830,000 | $ 117,804 | $ 85,000 |
| Sussex, Delaware | 32 | $ 5,742,000 | $ 179,437 | $ 154,000 |
| Palm Beach, Florida | 32 | $ 12,234,000 | $ 382,312 | $ 225,000 |
| Cecil, Maryland | 29 | $ 1,341,000 | $ 46,241 | $ 83,000 |
| Lee, Florida | 18 | $ 4,908,000 | $ 272,666 | $ 140,000 |
| Baltimore, Maryland | 18 | $ 1,862,000 | $ 103,444 | $ 66,000 |
| District of Columbia, District Of Columbia | 17 | $ 3,783,000 | $ 222,529 | $ 261,000 |
| Prince William, Virginia | 17 | $ 2,148,000 | $ 126,352 | $ 125,000 |
| Fairfax, Virginia | 15 | $ 5,651,000 | $ 376,733 | $ 954,000 |
| Broward, Florida | 14 | $ 4,103,000 | $ 293,071 | $ 149,000 |
| Collier, Florida | 14 | $ 6,273,000 | $ 448,071 | $ 287,000 |
| Putnam, New York | 14 | $ 2,721,000 | $ 194,357 | $ 111,000 |
| Miami-Dade, Florida | 13 | $ 6,150,000 | $ 473,076 | $ 354,000 |
| Los Angeles, California | 11 | $ 21,593,000 | $ 1,963,000 | $ 1,234,000 |
| New Haven, Connecticut | 11 | $ 835,000 | $ 75,909 | $ 98,000 |
| Carbon, Pennsylvania | 11 | $ 835,000 | $ 75,909 | $ 98,000 |
| Pike, Pennsylvania | 11 | $ 1,336,000 | $ 121,454 | $ 146,000 |
| York, Pennsylvania | 11 | $ 704,000 | $ 64,000 | $ 88,000 |
| Lancaster, Pennsylvania | 10 | $ 911,000 | $ 91,100 | $ 98,000 |
| Sullivan, New York | 9 | $ 1,243,000 | $ 138,111 | $ 207,000 |
| Ulster, New York | 9 | $ 964,000 | $ 107,111 | $ 119,000 |
| Wayne, Pennsylvania | 8 | $ 736,000 | $ 92,000 | $ 66,000 |
| Baltimore City, Maryland | 7 | $ 787,000 | $ 112,428 | $ 113,000 |
| Worcester, Maryland | 7 | $ 1,268,000 | $ 181,142 | $ 81,000 |
| Dutchess, New York | 7 | $ 1,468,000 | $ 209,714 | $ 198,000 |
| Luzerne, Pennsylvania | 7 | $ 530,000 | $ 75,714 | $ 81,000 |
| Schuylkill, Pennsylvania | 7 | $ 361,000 | $ 51,571 | $ 47,000 |
| Manassas, Virginia | 7 | $ 989,000 | $ 141,285 | $ 159,000 |
| St. Lucie, Florida | 6 | $ 1,056,000 | $ 176,000 | $ 161,000 |
| Harford, Maryland | 6 | $ 487,000 | $ 81,166 | $ 48,000 |
| Erie, New York | 6 | $ 368,000 | $ 61,333 | $ 82,000 |
| Dauphin, Pennsylvania | 6 | $ 432,000 | $ 72,000 | $ 97,000 |
| Horry, South Carolina | 6 | $ 991,000 | $ 165,166 | $ 228,000 |
| Hillsborough, Florida | 5 | $ 1,489,000 | $ 297,800 | $ 202,000 |
| Marion, Florida | 5 | $ 358,000 | $ 71,600 | $ 41,000 |
| Monroe, Florida | 5 | $ 6,146,000 | $ 1,229,200 | $ 591,000 |
| Sarasota, Florida | 5 | $ 2,999,000 | $ 599,800 | $ 417,000 |
| Volusia, Florida | 5 | $ 1,253,000 | $ 250,600 | $ 149,000 |
| Suffolk, Massachusetts | 5 | $ 1,853,000 | $ 370,600 | $ 258,000 |
| Delaware, New York | 5 | $ 851,000 | $ 170,200 | $ 95,000 |
| Greene, New York | 5 | $ 828,000 | $ 165,600 | $ 219,000 |
| Rensselaer, New York | 5 | $ 521,000 | $ 104,200 | $ 74,000 |
| Saratoga, New York | 5 | $ 1,129,000 | $ 225,800 | $ 179,000 |
| Cumberland, Pennsylvania | 5 | $ 401,000 | $ 80,200 | $ 59,000 |
| Windham, Vermont | 5 | $ 1,443,000 | $ 288,600 | $ 420,000 |
| Maricopa, Arizona | 4 | $ 891,000 | $ 222,750 | $ 179,000 |
| San Diego, California | 4 | $ 1,202,000 | $ 300,500 | $ 175,000 |
| Litchfield, Connecticut | 4 | $ 2,975,000 | $ 743,750 | $ 303,000 |
| Lake, Florida | 4 | $ 697,000 | $ 174,250 | $ 110,000 |
| Osceola, Florida | 4 | $ 349,000 | $ 87,250 | $ 92,000 |
| Pasco, Florida | 4 | $ 545,000 | $ 136,250 | $ 214,000 |
| Pinellas, Florida | 4 | $ 250,000 | $ 62,500 | $ 62,000 |
| Anne Arundel, Maryland | 4 | $ 577,000 | $ 144,250 | $ 74,000 |
| Calvert, Maryland | 4 | $ 615,000 | $ 153,750 | $ 182,000 |
| Montgomery, Maryland | 4 | $ 730,000 | $ 182,500 | $ 63,000 |
| Prince George's, Maryland | 4 | $ 320,000 | $ 80,000 | $ 69,000 |
| Allegheny, Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 89,000 |
| Centre, Pennsylvania | 4 | $ 1,022,000 | $ 255,500 | $ 194,000 |
| Susquehanna, Pennsylvania | 4 | $ 450,000 | $ 112,500 | $ 79,000 |
| Alexandria, Virginia | 4 | $ 536,000 | $ 134,000 | $ 110,000 |
| Loudoun, Virginia | 4 | $ 1,963,000 | $ 490,750 | $ 178,000 |
| Orange, California | 3 | $ 551,000 | $ 183,666 | $ 93,000 |
| Brevard, Florida | 3 | $ 748,000 | $ 249,333 | $ 268,000 |
| Charlotte, Florida | 3 | $ 540,000 | $ 180,000 | $ 105,000 |
| Howard, Maryland | 3 | $ 83,000 | $ 27,666 | $ 31,000 |
| Wicomico, Maryland | 3 | $ 120,000 | $ 40,000 | $ 135,000 |
| Ottawa, Michigan | 3 | $ 378,000 | $ 126,000 | $ 69,000 |
| Columbia, New York | 3 | $ 241,000 | $ 80,333 | $ 108,000 |
| Clinton, Pennsylvania | 3 | $ 268,000 | $ 89,333 | $ 67,000 |
| Erie, Pennsylvania | 3 | $ 122,000 | $ 40,666 | $ 98,000 |
| Lackawanna, Pennsylvania | 3 | $ 147,000 | $ 49,000 | $ 91,000 |
| Beaufort, South Carolina | 3 | $ 853,000 | $ 284,333 | $ 156,000 |
| Bennington, Vermont | 3 | $ 1,088,000 | $ 362,666 | $ 244,000 |
| Jefferson, Arkansas | 2 | $ 89,000 | $ 44,500 | $ 35,000 |
| Alameda, California | 2 | $ 1,047,000 | $ 523,500 | $ 144,000 |
| Monterey, California | 2 | $ 1,008,000 | $ 504,000 | $ 222,000 |
| Santa Clara, California | 2 | $ 305,000 | $ 152,500 | $ 56,000 |
| Hartford, Connecticut | 2 | $ 285,000 | $ 142,500 | $ 47,000 |
| Martin, Florida | 2 | $ 2,748,000 | $ 1,374,000 | $ 387,000 |
| Orange, Florida | 2 | $ 1,370,000 | $ 685,000 | $ 597,000 |
| Polk, Florida | 2 | $ 73,000 | $ 36,500 | $ 39,000 |
| Cook, Illinois | 2 | $ 1,026,000 | $ 513,000 | $ 520,000 |
| Jackson, Illinois | 2 | $ 70,000 | $ 35,000 | $ 21,000 |
| Lake, Illinois | 2 | $ 221,000 | $ 110,500 | $ 71,000 |
| Johnson, Kansas | 2 | $ 95,000 | $ 47,500 | $ 140,000 |
| Sedgwick, Kansas | 2 | $ 22,000 | $ 11,000 | $ 77,000 |
| Barnstable, Massachusetts | 2 | $ 434,000 | $ 217,000 | $ 94,000 |
| Albany, New York | 2 | $ 36,000 | $ 18,000 | $ 82,000 |
| Fulton, New York | 2 | $ 92,000 | $ 46,000 | $ 40,000 |
| Hamilton, New York | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Jefferson, New York | 2 | $ 37,000 | $ 18,500 | $ 59,000 |
| Monroe, New York | 2 | $ 318,000 | $ 159,000 | $ 52,000 |
| Montgomery, New York | 2 | $ 287,000 | $ 143,500 | $ 120,000 |
| Otsego, New York | 2 | $ 127,000 | $ 63,500 | $ 57,000 |
| Schoharie, New York | 2 | $ 95,000 | $ 47,500 | $ 61,000 |
| Washington, New York | 2 | $ 183,000 | $ 91,500 | $ 105,000 |
| Brunswick, North Carolina | 2 | $ 225,000 | $ 112,500 | $ 177,000 |
| Wake, North Carolina | 2 | $ 669,000 | $ 334,500 | $ 642,000 |
| Adams, Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 56,000 |
| Lebanon, Pennsylvania | 2 | $ 314,000 | $ 157,000 | $ 37,000 |
| Potter, Pennsylvania | 2 | $ 59,000 | $ 29,500 | $ 20,000 |
| Tioga, Pennsylvania | 2 | $ 101,000 | $ 50,500 | $ 75,000 |
| Charleston, South Carolina | 2 | $ 149,000 | $ 74,500 | $ 289,000 |
| Jefferson, Texas | 2 | $ 119,000 | $ 59,500 | $ 180,000 |
| Fairfax City, Virginia | 2 | $ 870,000 | $ 435,000 | $ 1,982,000 |
| Fauquier, Virginia | 2 | $ 355,000 | $ 177,500 | $ 90,000 |
| Louisa, Virginia | 2 | $ 1,219,000 | $ 609,500 | $ 220,000 |
| Jefferson, Alabama | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Lee, Alabama | 1 | $ 24,000 | $ 24,000 | $ 21,000 |
| Madison, Alabama | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Pima, Arizona | 1 | $ 118,000 | $ 118,000 | $ 125,000 |
| Baxter, Arkansas | 1 | $ 66,000 | $ 66,000 | $ 84,000 |
| Sebastian, Arkansas | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Contra Costa, California | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Fresno, California | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Lake, California | 1 | $ 3,550,000 | $ 3,550,000 | $ 874,000 |
| Mendocino, California | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Riverside, California | 1 | $ 172,000 | $ 172,000 | $ 212,000 |
| San Joaquin, California | 1 | $ 27,000 | $ 27,000 | $ 45,000 |
| San Mateo, California | 1 | $ 35,000 | $ 35,000 | $ 157,000 |
| Eagle, Colorado | 1 | $ 153,000 | $ 153,000 | $ 53,000 |
| La Plata, Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 700,000 |
| Alachua, Florida | 1 | $ 120,000 | $ 120,000 | $ 319,000 |
| Citrus, Florida | 1 | $ 126,000 | $ 126,000 | $ 110,000 |
| Flagler, Florida | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Hernando, Florida | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Indian River, Florida | 1 | $ 48,000 | $ 48,000 | $ 84,000 |
| Manatee, Florida | 1 | $ 360,000 | $ 360,000 | $ 66,000 |
| Seminole, Florida | 1 | $ 30,000 | $ 30,000 | $ 13,000 |
| Douglas, Georgia | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Laurens, Georgia | 1 | $ 171,000 | $ 171,000 | $ 41,000 |
| Paulding, Georgia | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Adams, Illinois | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Madison, Indiana | 1 | $ 54,000 | $ 54,000 | $ 32,000 |
| Marshall, Indiana | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Union, Indiana | 1 | $ 95,000 | $ 95,000 | $ 15,000 |
| Ringgold, Iowa | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Pottawatomie, Kansas | 1 | $ 10,000 | $ 10,000 | $ 69,000 |
| Cumberland, Kentucky | 1 | $ 49,000 | $ 49,000 | $ 8,000 |
| Jefferson Davis, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 50,000 |
| St. Tammany, Louisiana | 1 | $ 83,000 | $ 83,000 | $ 18,000 |
| Kennebec, Maine | 1 | $ 216,000 | $ 216,000 | $ 76,000 |
| Oxford, Maine | 1 | $ 86,000 | $ 86,000 | $ 127,000 |
| Caroline, Maryland | 1 | $ 260,000 | $ 260,000 | $ 82,000 |
| Charles, Maryland | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Queen Anne's, Maryland | 1 | $ 750,000 | $ 750,000 | $ 374,000 |
| Somerset, Maryland | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Talbot, Maryland | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,150,000 |
| Dukes, Massachusetts | 1 | $ 940,000 | $ 940,000 | $ 1,318,000 |
| Middlesex, Massachusetts | 1 | $ 540,000 | $ 540,000 | $ 197,000 |
| Norfolk, Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Plymouth, Massachusetts | 1 | $ 254,000 | $ 254,000 | $ 35,000 |
| Worcester, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Branch, Michigan | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Clinton, Michigan | 1 | $ 30,000 | $ 30,000 | $ 79,000 |
| Kalamazoo, Michigan | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Monroe, Michigan | 1 | $ 180,000 | $ 180,000 | $ 48,000 |
| Dakota, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Lamar, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Cass, Missouri | 1 | $ 8,000 | $ 8,000 | $ 23,000 |
| Greene, Missouri | 1 | $ 12,000 | $ 12,000 | $ 25,000 |
| Jackson, Missouri | 1 | $ 1,000 | $ 1,000 | $ 33,000 |
| Jefferson, Missouri | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| St. Charles, Missouri | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| St. Louis, Missouri | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| St. Louis City, Missouri | 1 | $ 20,000 | $ 20,000 | $ 37,000 |
| Taney, Missouri | 1 | $ 4,000 | $ 4,000 | $ 50,000 |
| Buffalo, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Carson City, Nevada | 1 | $ 20,000 | $ 20,000 | $ 88,000 |
| Clark, Nevada | 1 | $ 393,000 | $ 393,000 | $ 94,000 |
| Grafton, New Hampshire | 1 | $ 239,000 | $ 239,000 | $ 95,000 |
| Clinton, New York | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Franklin, New York | 1 | $ 600,000 | $ 600,000 | $ 61,000 |
| Niagara, New York | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Oneida, New York | 1 | $ 52,000 | $ 52,000 | $ 80,000 |
| Schenectady, New York | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| St. Lawrence, New York | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Tioga, New York | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Warren, New York | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Wayne, New York | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Cumberland, North Carolina | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Lee, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Mecklenburg, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Onslow, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Burleigh, North Dakota | 1 | $ 18,000 | $ 18,000 | $ 31,000 |
| Ward, North Dakota | 1 | $ 90,000 | $ 90,000 | $ 78,000 |
| Auglaize, Ohio | 1 | $ 99,000 | $ 99,000 | $ 56,000 |
| Butler, Ohio | 1 | $ 39,000 | $ 39,000 | $ 85,000 |
| Carroll, Ohio | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Clermont, Ohio | 1 | $ 11,000 | $ 11,000 | $ 55,000 |
| Crawford, Ohio | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Hamilton, Ohio | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Portage, Ohio | 1 | $ 51,000 | $ 51,000 | $ 42,000 |
| Warren, Ohio | 1 | $ 26,000 | $ 26,000 | $ 20,000 |
| Tulsa, Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 162,000 |
| Crook, Oregon | 1 | $ 40,000 | $ 40,000 | $ 72,000 |
| Hood River, Oregon | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Lane, Oregon | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Morrow, Oregon | 1 | $ 40,000 | $ 40,000 | $ 25,000 |
| Multnomah, Oregon | 1 | $ 16,000 | $ 16,000 | $ 20,000 |
| Washington, Oregon | 1 | $ 230,000 | $ 230,000 | $ 93,000 |
| Butler, Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 409,000 |
| Cambria, Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 87,000 |
| Clearfield, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Crawford, Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 73,000 |
| Lycoming, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Snyder, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Venango, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Wyoming, Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 0 |
| San Juan, Puerto Rico | 1 | $ 38,000 | $ 38,000 | $ 42,000 |
| Kent, Rhode Island | 1 | $ 800,000 | $ 800,000 | $ 260,000 |
| Providence, Rhode Island | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Dorchester, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Georgetown, South Carolina | 1 | $ 880,000 | $ 880,000 | $ 674,000 |
| Greenville, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 151,000 |
| Pickens, South Carolina | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Johnson, Tennessee | 1 | $ 183,000 | $ 183,000 | $ 140,000 |
| Shelby, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Bastrop, Texas | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Clay, Texas | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Denton, Texas | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Medina, Texas | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Midland, Texas | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Daggett, Utah | 1 | $ 110,000 | $ 110,000 | $ 17,000 |
| Salt Lake, Utah | 1 | $ 81,000 | $ 81,000 | $ 34,000 |
| Franklin, Vermont | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Washington, Vermont | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Accomack, Virginia | 1 | $ 173,000 | $ 173,000 | $ 100,000 |
| Albemarle, Virginia | 1 | $ 336,000 | $ 336,000 | $ 347,000 |
| Alleghany, Virginia | 1 | $ 4,000 | $ 4,000 | $ 70,000 |
| Chesapeake, Virginia | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Chesterfield, Virginia | 1 | $ 169,000 | $ 169,000 | $ 68,000 |
| Culpeper, Virginia | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Henrico, Virginia | 1 | $ 22,000 | $ 22,000 | $ 143,000 |
| Isle of Wight, Virginia | 1 | $ 196,000 | $ 196,000 | $ 193,000 |
| James City, Virginia | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| King and Queen, Virginia | 1 | $ 382,000 | $ 382,000 | $ 275,000 |
| Lancaster, Virginia | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Manassas Park, Virginia | 1 | $ 100,000 | $ 100,000 | $ 190,000 |
| Newport News, Virginia | 1 | $ 256,000 | $ 256,000 | $ 52,000 |
| Norfolk, Virginia | 1 | $ 70,000 | $ 70,000 | $ 247,000 |
| Orange, Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Portsmouth, Virginia | 1 | $ 123,000 | $ 123,000 | $ 290,000 |
| Roanoke, Virginia | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Suffolk, Virginia | 1 | $ 366,000 | $ 366,000 | $ 150,000 |
| Warren, Virginia | 1 | $ 639,000 | $ 639,000 | $ 600,000 |
| York, Virginia | 1 | $ 265,000 | $ 265,000 | $ 92,000 |
| Clark, Washington | 1 | $ 116,000 | $ 116,000 | $ 45,000 |
| Kitsap, Washington | 1 | $ 190,000 | $ 190,000 | $ 48,000 |
| Pierce, Washington | 1 | $ 69,000 | $ 69,000 | $ 54,000 |
| Snohomish, Washington | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Yakima, Washington | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, NA in 2005
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 | 14,332 | $592,585,000 | $44,000 | $950,000 | $80,625 | $2,135,000 |
| Refinancing | 7,476 | $1,336,725,000 | $220,291 | $6,500,000 | $145,958 | $8,400,000 |
| Home Purchase | 6,565 | $1,595,528,000 | $204,820 | $26,000,000 | $135,641 | $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 | 20,080 | $2,477,399,000 | $193,261 | $12,000,000 | $122,000 | $7,652,000 |
| Not Provided | 2,745 | $378,285,000 | $151,035 | $5,500,000 | $78,321 | $4,205,000 |
| Black or African American | 2,170 | $160,958,000 | $223,846 | $2,100,000 | $769,461 | $8,400,000 |
| Hispanic | 1,724 | $157,020,000 | $82,928 | $2,250,000 | $75,642 | $1,616,000 |
| Asian | 1,081 | $172,290,000 | $213,714 | $5,775,000 | $150,857 | $1,713,000 |
| Not applicable | 369 | $163,338,000 | $561,285 | $26,000,000 | $819,571 | $9,999,000 |
| American Indian or Alaskan Native | 123 | $7,472,000 | $43,000 | $363,000 | $72,600 | $611,000 |
| Native Hawaiian or Other Pacific Islander | 81 | $8,076,000 | $144,800 | $600,000 | $88,600 | $261,000 |
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) | 28,265 | $3,507,724,000 | $169,068 | $26,000,000 | $122,113 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 97 | $16,198,000 | $171,800 | $412,000 | $53,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 11 | $916,000 | $83,000 | $174,000 | $17,000 | $68,000 |
| 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 | 16,131 | $2,458,540,000 | $372,040 | $26,000,000 | $264,360 | $9,999,000 |
| Application Denied By Financial Institution | 8,112 | $511,470,000 | $70,825 | $6,000,000 | $64,400 | $1,440,000 |
| Application Approved But Not Accepted | 3,522 | $408,550,000 | $142,200 | $2,870,000 | $115,133 | $3,794,000 |
| Loan Purchased By The Institution | 376 | $65,574,000 | $166,250 | $690,000 | $69,500 | $684,000 |
| Application Withdrawn By Applicant | 202 | $67,628,000 | $393,000 | $9,000,000 | $595,750 | $3,700,000 |
| File Closed For Incompleteness | 15 | $9,273,000 | $587,666 | $2,700,000 | $147,666 | $708,000 |
| Preapproval Denied by Financial Institution | 15 | $3,803,000 | $253,000 | $480,000 | $62,000 | $101,000 |
| 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 | 5,147 | $229,772,000 | $75,566 | $4,000,000 | $60,600 | $1,440,000 |
| Debt-To-Income Ratio | 1,967 | $169,579,000 | $92,304 | $4,900,000 | $50,217 | $1,113,000 |
| Other | 488 | $45,111,000 | $80,925 | $3,550,000 | $75,555 | $1,146,000 |
| Collateral | 355 | $45,408,000 | $140,500 | $6,000,000 | $111,500 | $900,000 |
| Unverifiable Information | 63 | $12,363,000 | $161,750 | $2,350,000 | $102,500 | $504,000 |
| Credit Application Incomplete | 58 | $4,419,000 | $66,666 | $350,000 | $46,333 | $368,000 |
| Employment History | 32 | $2,666,000 | $77,750 | $688,000 | $61,250 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,194,000 | $189,000 | $1,152,000 | $76,500 | $457,000 |
| Mortgage Insurance Denied | 2 | $2,761,000 | $1,380,000 | $2,457,000 | $728,000 | $1,244,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, NA's 2005 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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