Lender in Florida · HMDA 2025
Commerce Home Mortgage, Inc. mortgages in Florida
Commerce Home Mortgage, Inc.'s 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Commerce Home Mortgage, Inc. originated 853 owner-occupied single-family loans in Florida from 1,043 completed applications.
Its median conventional purchase loan costs were $15,830 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 8.50% (Florida: 6.625%).
Loans in FL
853
of 1,043 applications
Denial rate
13.8%
Purchase · FL 12.8%
Rate spread
+2.27 pts
Conv. · FL +0.14 pts
Loan amount
$345,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 672 | 579 | 13.8% | 8.500% | +2.27 pts | $15,830 | $345,000 |
| Refinance | 47 | 35 | 25.5% | 7.375% | +1.04 pts | $18,900 | $405,000 |
| Cash-out refinance | 324 | 239 | 25.0% | 8.750% | +2.58 pts | $17,400 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Commerce Home Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County | 16 | 1 | 1.3% |
| Dixie County | 17 | 1 | 1.4% |
| Glades County | 20 | 1 | 1.1% |
| Jefferson County | 23 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology