Lenders › Commerce Bank › Missouri
Commerce Bank in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Commerce Bank reported 5,363 applications and 2,709 originations for 2024, $400m in all.
Its denial rate in the state was 35.7%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 35.3%.
The median rate spread on its Missouri originations was 0.2 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Commerce Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 35.7% | 19.9% | 35.3% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.0% | 14.1% | 19.7% | 15.6% |
| Average originated loan | $148k | $231k | $198k | $329k |
| Home purchase share | 22.4% | 58.6% | 26.7% | 57.0% |
| FHA-insured share | 1.7% | 12.8% | 1.6% | 13.4% |
| VA-guaranteed share | 0.2% | 8.2% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 22% (607)Home improvement 28% (749)Refinancing 24% (661)Cash-out refinancing 2% (56)Other purpose 23% (636)
By type
Conventional 98% (2,656)FHA 2% (46)VA 0% (6)USDA 0% (1)
Denial reasons as coded
Share of 1,529 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,160 | 583 | $112m | 36.1% |
| Jackson County | 988 | 460 | $68m | 39.3% |
| St. Charles County | 451 | 254 | $32m | 28.2% |
| Greene County | 299 | 162 | $16m | 32.1% |
| Jefferson County | 311 | 154 | $13m | 36.2% |
| Clay County | 289 | 144 | $18m | 35.8% |
| St. Louis city | 238 | 119 | $16m | 34.4% |
| Cass County | 201 | 113 | $17m | 32.3% |
| Boone County | 156 | 92 | $17m | 27.7% |
| Buchanan County | 140 | 75 | $8.1m | 35.9% |
| Platte County | 127 | 73 | $13m | 20.6% |
| Christian County | 84 | 45 | $6.7m | 33.8% |
| Jasper County | 79 | 37 | $4.4m | 43.9% |
| Cape Girardeau County | 58 | 29 | $4.0m | 37.5% |
| Moniteau County | 41 | 24 | $2.5m | 33.3% |
| Polk County | 42 | 23 | $2.8m | 35.1% |
| Randolph County | 42 | 22 | $2.3m | 38.9% |
| Marion County | 32 | 20 | $2.1m | 25.9% |
| Laclede County | 34 | 18 | $2.0m | 30.8% |
| Lincoln County | 42 | 17 | $2.4m | 50.0% |
| Franklin County | 29 | 14 | $2.4m | — |
| Newton County | 26 | 14 | $2.2m | — |
| Warren County | 36 | 13 | $2.0m | 53.6% |
| Taney County | 28 | 12 | $2.2m | — |
| Andrew County | 30 | 10 | $1.7m | — |
| St. Francois County | 25 | 6 | $500k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Commerce Bank originate in Missouri in 2024?
2,709 loans totalling $400m, from 5,363 applications reported for properties in Missouri.
What is Commerce Bank's denial rate in Missouri?
35.7% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Commerce Bank lend in most?
By originations: St. Louis County (583), Jackson County (460), St. Charles County (254), Greene County (162), Jefferson County (154).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.