Applications / Mortgage Analytics / Lenders / Missouri / Commerce Bank
Kansas City, MO · State member bank · FRS · $32.7 billion assets · 3,789 loans in 2025
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3,789
loans originated, 2025
7,330
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commerce Bank, a Missouri bank lending in 41 states, made 3,789 home loans in 2025, its fewest since at least 2018, and lost share in Kansas City and St. Louis.
Similar lenders are state member banks making between half and twice as many loans. Its originations fell 8%, while similar lenders' rose 1% and the whole market's 10%, placing it among the lowest tenth for growth. They are about half the 7,087 of 2020.
Its share fell to 1.3% from 1.6% in Kansas City, where it ranks 19 of 659 behind CommunityAmerica Federal Credit Union, and to 1.0% from 1.3% in St. Louis. It entered Stockton-Lodi, Hagerstown-Martinsburg and Buffalo-Cheektowaga in 2025, each with a share too small to read much into.
Its typical loan of $105,000 is about half similar lenders' $210,000, with refinance, purchase and home improvement each about a quarter of loans. LMI (low- and moderate-income) borrowers took 35.0% against 25.2%, higher than nearly nine in ten similar lenders and up from 22.2%. Majority-minority areas had 7.8% against 14.1%; lending centred on Missouri could explain that.
Higher-priced loans (a rate well above the average for similar loans) were 4.6% against 1.6%, higher than about seven in ten similar lenders, yet its typical rate of 6.50% was lower than about three-quarters of them. Home-improvement and other-purpose loans, and small loan sizes, may push more loans over the pricing threshold.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commerce Bank took 7,330 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 28.5% · Purchase 27.2% · Home improvement 24.8% · Other 19.5%
Conventional 97.2% · FHA 2.1% · VA 0.5% · USDA (RHS or FSA) 0.2% · of 3,789 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 2,488 | 65.7% |
| Kansas | 751 | 19.8% |
| Illinois | 194 | 5.1% |
| Colorado | 161 | 4.2% |
| Oklahoma | 45 | 1.2% |
| Texas | 23 | 0.6% |
| Florida | 22 | 0.6% |
| Arkansas | 13 | 0.3% |
| Arizona | 13 | 0.3% |
| California | 12 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 1,153 |
| St. Louis | 1,136 |
| Springfield | 236 |
| Denver-Aurora-Centennial | 132 |
| Wichita | 122 |
| Columbia | 86 |
| St. Joseph | 86 |
| Bloomington | 60 |
| Peoria | 58 |
| Joplin | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 7DMUJTL9FFTVIAG9H788 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 601050 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118112 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9601050 | 2011–2017 |
Established 21 February 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Commerce Bank's data.
Commerce Bank's data
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Commerce Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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