Lenders › Commerce Bank › Kansas
Commerce Bank in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kansas, Commerce Bank reported 1,542 applications and 796 originations for 2024, $151m in all.
Its denial rate in the state was 34.6%, above the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 35.3%.
The median rate spread on its Kansas originations was -0.1 percentage points (state median 0.4).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | Commerce Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 19.2% | 35.3% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.5% | 14.2% | 19.7% | 15.6% |
| Average originated loan | $190k | $242k | $198k | $329k |
| Home purchase share | 25.1% | 58.5% | 26.7% | 57.0% |
| FHA-insured share | 1.5% | 11.3% | 1.6% | 13.4% |
| VA-guaranteed share | 0.1% | 9.3% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 25% (200)Home improvement 31% (246)Refinancing 20% (156)Cash-out refinancing 3% (21)Other purpose 22% (173)
By type
Conventional 98% (782)FHA 2% (12)VA 0% (1)USDA 0% (1)
Denial reasons as coded
Share of 430 denials in Kansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Johnson County | 732 | 413 | $97m | 28.0% |
| Sedgwick County | 201 | 109 | $21m | 34.1% |
| Douglas County | 88 | 41 | $5.9m | 39.1% |
| Wyandotte County | 106 | 40 | $4.9m | 49.4% |
| Leavenworth County | 56 | 30 | $3.0m | 33.3% |
| Butler County | 40 | 21 | $3.6m | 24.1% |
| Riley County | 32 | 20 | $3.1m | 23.1% |
| Crawford County | 37 | 17 | $1.6m | 43.3% |
| Reno County | 34 | 16 | $1.1m | 44.8% |
| Ellis County | 29 | 15 | $1.1m | — |
| Cherokee County | 28 | 12 | $810k | — |
| Finney County | 26 | 12 | $1.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Commerce Bank originate in Kansas in 2024?
796 loans totalling $151m, from 1,542 applications reported for properties in Kansas.
What is Commerce Bank's denial rate in Kansas?
34.6% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 35.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does Commerce Bank lend in most?
By originations: Johnson County (413), Sedgwick County (109), Douglas County (41), Wyandotte County (40), Leavenworth County (30).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.