Lender in Missouri · HMDA 2025
Commerce Bank mortgages in Missouri
Commerce Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
Commerce Bank originated 577 owner-occupied single-family loans in Missouri from 792 completed applications.
Its median conventional purchase loan costs were $3,180 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.75% (Missouri: 6.625%).
Loans in MO
577
of 792 applications
Denial rate
19.7%
Purchase · MO 6.5%
Rate spread
+0.12 pts
Conv. · MO +0.24 pts
Loan amount
$235,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 537 | 425 | 19.7% | 6.750% | +0.12 pts | $3,180 | $235,000 |
| Refinance | 130 | 85 | 32.3% | — | +1.40 pts | $0 | $55,000 |
| Cash-out refinance | 125 | 67 | 45.6% | 7.250% | +0.40 pts | $2,820 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Audrain County | 9 | 8 | 2.5% |
| Andrew County | 12 | 5 | 2.0% |
| Monroe County | 13 | 2 | 2.5% |
| Buchanan County | 14 | 20 | 1.7% |
| Moniteau County | 16 | 3 | 1.5% |
| Jackson County | 22 | 113 | 1.1% |
| Carter County | 22 | 1 | 2.0% |
| Randolph County | 24 | 3 | 0.8% |
| Polk County | 25 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology