Applications / Mortgage Analytics / Lenders / Texas / Comerica Bank
Dallas, TX · State member bank · FRS · $80.1 billion assets · 3,126 loans in 2025
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3,126
loans originated, 2025
7,959
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Comerica Bank is mainly a refinance and home-improvement lender rather than a home-purchase lender, and its originations fell 3% in 2025 while similar banks grew, to about half their 2020 level.
Refinancing made up 40.8% of Comerica's loans, home improvement 28.6% and other purposes 22.3%; purchases were 8.4%. It also bought 299 loans, against 1 for the typical peer. Its main state is Michigan, though its head office is in Dallas.
Among similar lenders (state member banks making between half and twice as many loans), its 3% fall compares with a 3% rise for the typical peer and 10% for the whole market. Yet the amount it lent rose from $852.4 million to $1.10 billion; one possibility is a shift towards larger loans, as its typical loan rose from $155,000 to $175,000. It made 6,773 loans in 2021; with refinancing its largest purpose, its count may move with rates, and its typical rate was 2.74% in 2020.
Its typical rate, 5.99%, was among the lowest tenth of peers, whose typical rate was 6.75%. Higher-priced loans (a rate well above the average for similar loans) were 0.1%, against 1.1%.
Majority-minority areas took 32.3% of its loans, higher than nearly nine in ten peers, which may reflect its large markets, including Detroit-Warren-Dearborn and Los Angeles. Its shares to LMI (low- and moderate-income) borrowers, 24.1%, and LMI areas, 15.0%, were near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Comerica Bank took 7,959 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.8% · Home improvement 28.6% · Other 22.3% · Purchase 8.4%
Conventional 99.4% · FHA 0.4% · VA 0.2% · of 3,126 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 |
|---|---|---|
| Michigan | 1,286 | 41.1% |
| California | 975 | 31.2% |
| Texas | 663 | 21.2% |
| Arizona | 111 | 3.6% |
| Florida | 68 | 2.2% |
| Colorado | 4 | 0.1% |
| Georgia | 4 | 0.1% |
| North Carolina | 4 | 0.1% |
| Washington | 3 | 0.1% |
| Illinois | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 657 |
| Detroit-Dearborn-Livonia | 293 |
| Dallas-Plano-Irving | 269 |
| Houston-Pasadena-The Woodlands | 238 |
| Los Angeles-Long Beach-Glendale | 217 |
| Anaheim-Santa Ana-Irvine | 145 |
| San Diego-Chula Vista-Carlsbad | 124 |
| Phoenix-Mesa-Chandler | 107 |
| Oakland-Fremont-Berkeley | 100 |
| San Jose-Sunnyvale-Santa Clara | 98 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 70WY0ID1N53Q4254VH70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 60143 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 260143 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 960143 | 2011–2017 |
Established 5 March 1849. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Comerica Bank's data.
Comerica Bank's data
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Comerica 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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