Commerce Home Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493004AS1SPBQOFDR49

Tax ID: 68-0295876

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Commerce Home Mortgage is a mid-sized mortgage company specializing in Home Purchase and Cash Out Refi loans. Commerce Home Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, San Francisco, Riverside, Miami, and San Diego among others. We have data for 309 markets. (Some data included below & more in-depth data is available with an active subscription.)

Commerce Home Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Commerce Home Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.66% 4/28/24
30 Year Conventional Refi 7.61% 4/28/24
30 Year Cash-out Refi 8.42% 4/28/24
30 Year FHA Purchase 7.41% 4/28/24
30 Year FHA Refi 7.24% 4/28/24
30 Year VA Purchase 6.41% 4/28/24
30 Year VA Refi 6.13% 4/28/24
30 Year USDA Purchase 6.45% 4/28/24
30 Year USDA Refi 6.27% 4/28/24
15 Year Conventional Purchase 6.13% 4/28/24
15 Year Conventional Refi 6.06% 4/28/24
15 Year Cash-out Refi 6.06% 4/28/24
15 Year FHA Purchase 7.52% 4/28/24
15 Year FHA Refi 8.01% 4/28/24
15 Year VA Purchase 6.25% 4/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Commerce Home Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Commerce Home Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

12,284

Origination Dollar Volume (All Markets)

$5,929,230,000
Show all (8) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,504 $1,334,650,000 $887,400 $16,186 6.18%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 979 $722,225,000 $737,717 $9,761 5.45%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 697 $304,685,000 $437,138 $11,167 5.95%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 509 $249,805,000 $490,776 $11,508 6.78%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 276 $238,570,000 $864,384 $13,973 6.25%
EL PASO, TX (FHA|USDA|VA) 991 $218,745,000 $220,732 $8,885 5.40%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 163 $152,955,000 $938,374 $9,378 6.05%
REDDING, CA (FHA|USDA|VA) 508 $151,900,000 $299,016 $6,942 4.64%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 333 $151,215,000 $454,099 $7,753 4.99%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 291 $121,605,000 $417,887 $17,509 6.99%
VISALIA, CA (FHA|USDA|VA) 409 $117,545,000 $287,396 $7,073 4.77%
CHICO, CA (FHA|USDA|VA) 454 $112,260,000 $247,269 $6,625 4.02%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 211 $105,415,000 $499,597 $9,562 5.53%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 218 $101,480,000 $465,505 $9,137 5.48%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 215 $98,165,000 $456,581 $12,356 6.24%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 276 $86,930,000 $314,964 $11,534 6.54%
Outside of Metro Areas 250 $78,690,000 $314,760 $7,284 5.07%
ALBUQUERQUE, NM (FHA|USDA|VA) 259 $62,625,000 $241,795 $7,234 5.73%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 193 $62,205,000 $322,306 $12,362 6.76%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 83 $61,795,000 $744,518 $11,480 6.29%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 154 $60,470,000 $392,662 $13,804 6.85%
VALLEJO, CA (FHA|USDA|VA) 119 $55,735,000 $468,361 $11,563 5.31%
STOCKTON, CA (FHA|USDA|VA) 134 $54,860,000 $409,403 $10,159 5.38%
BOULDER, CO (FHA|USDA|VA) 66 $51,800,000 $784,848 $5,081 5.20%
FRESNO, CA (FHA|USDA|VA) 125 $47,315,000 $378,520 $7,763 5.57%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 110 $44,520,000 $404,727 $13,672 7.35%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 97 $37,615,000 $387,784 $11,175 6.60%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 46 $36,820,000 $800,435 $7,672 5.38%
NAPA, CA (FHA|USDA|VA) 37 $30,485,000 $823,919 $10,047 5.68%
Red Bluff, CA (FHA|USDA|VA) 128 $29,030,000 $226,797 $6,577 4.25%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 46 $28,500,000 $619,565 $12,576 5.78%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 48 $27,850,000 $580,208 $11,863 5.34%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 59 $27,275,000 $462,288 $14,538 6.29%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 51 $26,435,000 $518,333 $11,524 5.42%
MODESTO, CA (FHA|USDA|VA) 76 $26,270,000 $345,658 $9,421 4.80%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 49 $25,505,000 $520,510 $14,559 6.48%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 79 $22,735,000 $287,785 $7,768 7.23%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 51 $21,605,000 $423,627 $11,173 6.86%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 87 $21,535,000 $247,529 $11,555 7.47%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 33 $21,335,000 $646,515 $11,879 6.86%
SALINAS, CA (FHA|USDA|VA) 20 $20,250,000 $1,012,500 $6,932 6.28%
BAKERSFIELD, CA (FHA|USDA|VA) 70 $19,790,000 $282,714 $9,440 5.56%
URBAN HONOLULU, HI (FHA|USDA|VA) 30 $19,630,000 $654,333 $30,196 7.10%
SALEM, OR (FHA|USDA|VA) 53 $19,215,000 $362,547 $7,691 5.18%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 25 $18,075,000 $723,000 $10,365 6.62%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 60 $16,760,000 $279,333 $11,058 6.28%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 64 $16,690,000 $260,781 $12,981 7.17%
BEND, OR (FHA|USDA|VA) 30 $16,290,000 $543,000 $9,396 5.57%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 15 $15,765,000 $1,051,000 $0 7.05%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 42 $15,270,000 $363,571 $13,896 6.92%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 28 $14,880,000 $531,429 $9,546 6.75%
JACKSONVILLE, FL (FHA|USDA|VA) 41 $13,355,000 $325,732 $7,852 6.56%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 19 $12,645,000 $665,526 $9,856 5.87%
PORT ST. LUCIE, FL (FHA|USDA|VA) 43 $12,615,000 $293,372 $8,666 6.86%
SALT LAKE CITY, UT (FHA|USDA|VA) 24 $12,510,000 $521,250 $19,671 6.51%
SANTA FE, NM (FHA|USDA|VA) 29 $11,625,000 $400,862 $7,488 5.41%
GREELEY, CO (FHA|USDA|VA) 26 $11,270,000 $433,462 $8,540 5.32%
YUBA CITY, CA (FHA|USDA|VA) 33 $11,115,000 $336,818 $8,473 4.71%
MERCED, CA (FHA|USDA|VA) 28 $10,310,000 $368,214 $10,041 5.64%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $9,920,000 $992,000 $0 7.55%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 27 $9,525,000 $352,778 $9,296 6.90%
BOISE CITY, ID (FHA|USDA|VA) 27 $9,385,000 $347,593 $8,800 5.69%
Truckee-Grass Valley, CA (FHA|USDA|VA) 22 $8,900,000 $404,545 $4,452 5.71%
LAS CRUCES, NM (FHA|USDA|VA) 38 $8,790,000 $231,316 $7,109 5.46%
COLORADO SPRINGS, CO (FHA|USDA|VA) 20 $7,870,000 $393,500 $7,908 6.13%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 24 $7,720,000 $321,667 $7,635 5.01%
Key West, FL (FHA|USDA|VA) 7 $7,695,000 $1,099,286 $65,985 7.07%
MADERA, CA (FHA|USDA|VA) 21 $7,475,000 $355,952 $11,674 5.43%
Outside of Metro Areas 13 $7,335,000 $564,231 $9,480 6.29%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 19 $7,185,000 $378,158 $12,634 7.60%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 24 $7,110,000 $296,250 $16,464 6.64%
PROVO-OREM, UT (FHA|USDA|VA) 12 $7,090,000 $590,833 $0 7.00%
Kapaa, HI (FHA|USDA|VA) 6 $6,850,000 $1,141,667 $0 6.03%
COLUMBUS, OH (FHA|USDA|VA) 20 $6,240,000 $312,000 $11,458 6.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 15 $6,095,000 $406,333 $12,312 7.26%
Hilo, HI (FHA|USDA|VA) 12 $6,080,000 $506,667 $5,805 6.91%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 21 $6,035,000 $287,381 $8,118 5.56%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 20 $5,890,000 $294,500 $0 6.09%
RENO, NV (FHA|USDA|VA) 9 $5,445,000 $605,000 $11,927 5.28%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $5,140,000 $257,000 $15,534 5.82%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 14 $5,070,000 $362,143 $12,328 6.77%
Sonora, CA (FHA|USDA|VA) 12 $4,780,000 $398,333 $7,763 5.42%
KNOXVILLE, TN (FHA|USDA|VA) 13 $4,735,000 $364,231 $9,191 6.01%
ALBANY-LEBANON, OR (FHA|USDA|VA) 16 $4,520,000 $282,500 $7,899 4.95%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $4,385,000 $292,333 $0 7.47%
FORT COLLINS, CO (FHA|USDA|VA) 10 $4,310,000 $431,000 $5,114 5.73%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 19 $4,205,000 $221,316 $9,016 6.77%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 12 $4,180,000 $348,333 $11,206 6.26%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 11 $4,105,000 $373,182 $4,376 6.76%
FLAGSTAFF, AZ (FHA|USDA|VA) 6 $3,890,000 $648,333 $11,306 5.67%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 15 $3,805,000 $253,667 $11,895 7.29%
Sevierville, TN (FHA|USDA|VA) 7 $3,725,000 $532,143 $12,720 5.83%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $3,700,000 $462,500 $24,833 6.39%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 7 $3,665,000 $523,571 $0 7.43%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 11 $3,585,000 $325,909 $8,768 5.73%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 13 $3,375,000 $259,615 $8,058 6.87%
Eureka-Arcata, CA (FHA|USDA|VA) 9 $3,335,000 $370,556 $7,685 5.83%
Astoria, OR (FHA|USDA|VA) 8 $3,230,000 $403,750 $8,783 6.55%
Clearlake, CA (FHA|USDA|VA) 10 $3,130,000 $313,000 $7,179 5.07%
COLUMBIA, SC (FHA|USDA|VA) 11 $3,025,000 $275,000 $0 7.59%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,980,000 $298,000 $17,676 7.30%
GRANTS PASS, OR (FHA|USDA|VA) 9 $2,765,000 $307,222 $5,255 5.21%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $2,685,000 $298,333 $5,001 6.69%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $2,640,000 $330,000 $0 6.06%
Heber, UT (FHA|USDA|VA) 4 $2,610,000 $652,500 $18,581 6.01%
Newport, OR (FHA|USDA|VA) 6 $2,610,000 $435,000 $7,035 5.13%
TUCSON, AZ (FHA|USDA|VA) 10 $2,580,000 $258,000 $5,496 7.77%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $2,440,000 $406,667 $0 7.19%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $2,420,000 $403,333 $5,352 5.75%
RICHMOND, VA (FHA|USDA|VA) 8 $2,390,000 $298,750 $6,214 7.53%
THE VILLAGES, FL (FHA|USDA|VA) 9 $2,385,000 $265,000 $4,290 5.43%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $2,315,000 $330,714 $0 6.83%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 8 $2,210,000 $276,250 $0 6.66%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $2,155,000 $307,857 $8,123 7.63%
SAVANNAH, GA (FHA|USDA|VA) 5 $2,115,000 $423,000 $5,029 6.00%
OCALA, FL (FHA|USDA|VA) 9 $2,095,000 $232,778 $7,958 6.27%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $2,090,000 $261,250 $0 7.14%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $2,005,000 $286,429 $14,331 6.71%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,990,000 $331,667 $0 8.19%
TYLER, TX (FHA|USDA|VA) 6 $1,990,000 $331,667 $0 7.16%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,985,000 $283,571 $3,496 5.79%
BATON ROUGE, LA (FHA|USDA|VA) 8 $1,950,000 $243,750 $0 6.28%
Kalispell, MT (FHA|USDA|VA) 3 $1,945,000 $648,333 $7,400 6.08%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,945,000 $389,000 $0 8.65%
Montrose, CO (FHA|USDA|VA) 2 $1,930,000 $965,000 $0 6.25%
Sandpoint, ID (FHA|USDA|VA) 5 $1,865,000 $373,000 $7,601 5.92%
Durango, CO (FHA|USDA|VA) 2 $1,860,000 $930,000 $0 6.81%
GAINESVILLE, GA (FHA|USDA|VA) 5 $1,835,000 $367,000 $0 7.43%
Ukiah, CA (FHA|USDA|VA) 3 $1,745,000 $581,667 $17,558 6.28%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,715,000 $571,667 $37,770 6.47%
MONROE, MI (FHA|USDA|VA) 2 $1,710,000 $855,000 $21,366 7.08%
EspaƱola, NM (FHA|USDA|VA) 7 $1,705,000 $243,571 $7,406 4.75%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,700,000 $283,333 $0 5.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,680,000 $420,000 $7,951 4.31%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,680,000 $280,000 $14,627 7.15%
CORPUS CHRISTI, TX (FHA|USDA|VA) 8 $1,670,000 $208,750 $7,095 5.85%
WENATCHEE, WA (FHA|USDA|VA) 4 $1,660,000 $415,000 $15,358 7.51%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,645,000 $329,000 $15,965 6.39%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,580,000 $395,000 $5,276 6.41%
SPARTANBURG, SC (FHA|USDA|VA) 3 $1,555,000 $518,333 $0 7.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 7 $1,455,000 $207,857 $8,325 5.43%
MIDLAND, TX (FHA|USDA|VA) 4 $1,450,000 $362,500 $9,355 5.69%
PANAMA CITY, FL (FHA|USDA|VA) 6 $1,410,000 $235,000 $0 7.93%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $1,365,000 $455,000 $16,674 7.04%
Edwards, CO (FHA|USDA|VA) 2 $1,350,000 $675,000 $0 5.26%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 6 $1,330,000 $221,667 $7,327 5.45%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $1,280,000 $320,000 $0 7.22%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $1,280,000 $320,000 $8,883 7.39%
Fernley, NV (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,154 4.21%
GAINESVILLE, FL (FHA|USDA|VA) 7 $1,245,000 $177,857 $7,075 5.40%
WICHITA, KS (FHA|USDA|VA) 4 $1,240,000 $310,000 $7,583 7.48%
Traverse City, MI (FHA|USDA|VA) 4 $1,220,000 $305,000 $7,149 6.84%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $1,215,000 $405,000 $0 7.33%
BRUNSWICK, GA (FHA|USDA|VA) 2 $1,200,000 $600,000 $33,744 7.69%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $1,170,000 $585,000 $0 6.86%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $1,130,000 $188,333 $5,274 5.53%
MADISON, WI (FHA|USDA|VA) 2 $1,120,000 $560,000 $0 7.73%
FLINT, MI (FHA|USDA|VA) 5 $1,085,000 $217,000 $11,606 8.42%
Breckenridge, CO (FHA|USDA|VA) 2 $1,080,000 $540,000 $0 6.75%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $1,075,000 $358,333 $18,113 7.02%
NILES, MI (FHA|USDA|VA) 2 $1,070,000 $535,000 $0 7.25%
LAREDO, TX (FHA|USDA|VA) 5 $1,065,000 $213,000 $0 6.85%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,065,000 $355,000 $20,675 8.34%
Payson, AZ (FHA|USDA|VA) 2 $1,040,000 $520,000 $0 7.79%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 8.27%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,015,000 $1,015,000 $0 4.88%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,005,000 $335,000 $0 7.54%
TWIN FALLS, ID (FHA|USDA|VA) 3 $995,000 $331,667 $0 6.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $970,000 $242,500 $3,491 5.86%
CORVALLIS, OR (FHA|USDA|VA) 2 $970,000 $485,000 $11,616 4.75%
Brookings, OR (FHA|USDA|VA) 2 $940,000 $470,000 $0 6.68%
Centralia, WA (FHA|USDA|VA) 3 $935,000 $311,667 $5,475 4.29%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 5 $925,000 $185,000 $11,539 5.59%
MEDFORD, OR (FHA|USDA|VA) 2 $910,000 $455,000 $6,520 5.19%
Athens, TX (FHA|USDA|VA) 2 $910,000 $455,000 $6,643 5.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $905,000 $181,000 $10,319 7.51%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $875,000 $291,667 $0 7.21%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $855,000 $171,000 $0 6.97%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $855,000 $285,000 $0 7.95%
Coos Bay, OR (FHA|USDA|VA) 3 $815,000 $271,667 $4,408 5.42%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $810,000 $405,000 $3,168 5.74%
LONGVIEW, WA (FHA|USDA|VA) 3 $805,000 $268,333 $5,336 2.92%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $805,000 $805,000 $0 5.55%
ANN ARBOR, MI (FHA|USDA|VA) 3 $805,000 $268,333 $0 8.88%
Forest City, NC (FHA|USDA|VA) 2 $800,000 $400,000 $0 6.93%
DOVER, DE (FHA|USDA|VA) 2 $790,000 $395,000 $15,120 6.33%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $785,000 $261,667 $9,705 6.22%
Rexburg, ID (FHA|USDA|VA) 1 $765,000 $765,000 $0 7.50%
FARMINGTON, NM (FHA|USDA|VA) 3 $765,000 $255,000 $10,848 6.08%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $750,000 $375,000 $0 7.31%
Milledgeville, GA (FHA|USDA|VA) 1 $745,000 $745,000 $6,127 5.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $740,000 $370,000 $7,538 6.61%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $730,000 $365,000 $16,884 6.74%
STAUNTON, VA (FHA|USDA|VA) 3 $705,000 $235,000 $0 7.49%
Hailey, ID (FHA|USDA|VA) 2 $690,000 $345,000 $0 6.56%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 4 $690,000 $172,500 $9,348 5.76%
Las Vegas, NM (FHA|USDA|VA) 3 $685,000 $228,333 $10,116 4.78%
Boone, NC (FHA|USDA|VA) 1 $675,000 $675,000 $0 9.38%
MOBILE, AL (FHA|USDA|VA) 3 $655,000 $218,333 $0 9.01%
Holland, MI (FHA|USDA|VA) 1 $645,000 $645,000 $0 9.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $625,000 $625,000 $0 7.25%
LOUISVILLE, KY (FHA|USDA|VA) 3 $615,000 $205,000 $0 6.88%
VICTORIA, TX (FHA|USDA|VA) 1 $605,000 $605,000 $0 5.48%
Lawrenceburg, TN (FHA|USDA|VA) 2 $600,000 $300,000 $0 6.93%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $580,000 $290,000 $3,818 3.25%
Klamath Falls, OR (FHA|USDA|VA) 2 $580,000 $290,000 $4,542 7.06%
PITTSBURGH, PA (FHA|USDA|VA) 3 $565,000 $188,333 $6,959 6.67%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $565,000 $188,333 $0 5.86%
Carlsbad-Artesia, NM (FHA|USDA|VA) 3 $565,000 $188,333 $7,646 6.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $550,000 $275,000 $5,826 4.94%
WACO, TX (FHA|USDA|VA) 2 $540,000 $270,000 $6,533 5.16%
CHEYENNE, WY (FHA|USDA|VA) 2 $530,000 $265,000 $3,759 7.19%
MUNCIE, IN (FHA|USDA|VA) 1 $525,000 $525,000 $0 8.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 3 $525,000 $175,000 $0 7.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $510,000 $255,000 $0 6.73%
Ruidoso, NM (FHA|USDA|VA) 2 $490,000 $245,000 $0 5.46%
Susanville, CA (FHA|USDA|VA) 3 $485,000 $161,667 $7,049 2.92%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $475,000 $158,333 $0 8.65%
AMARILLO, TX (FHA|USDA|VA) 2 $470,000 $235,000 $0 7.15%
Alamogordo, NM (FHA|USDA|VA) 2 $470,000 $235,000 $7,384 5.19%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $465,000 $155,000 $0 7.66%
MONTGOMERY, AL (FHA|USDA|VA) 3 $465,000 $155,000 $5,473 5.00%
Los Alamos, NM (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.50%
LUBBOCK, TX (FHA|USDA|VA) 2 $450,000 $225,000 $7,255 6.75%
LINCOLN, NE (FHA|USDA|VA) 2 $450,000 $225,000 $5,594 5.59%
FARGO, ND-MN (FHA|USDA|VA) 2 $440,000 $220,000 $0 5.71%
Orangeburg, SC (FHA|USDA|VA) 1 $435,000 $435,000 $0 8.49%
Gainesville, TX (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.13%
Elko, NV (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.00%
Stephenville, TX (FHA|USDA|VA) 1 $425,000 $425,000 $0 7.75%
Pahrump, NV (FHA|USDA|VA) 2 $420,000 $210,000 $10,377 5.88%
EL CENTRO, CA (FHA|USDA|VA) 3 $415,000 $138,333 $5,955 4.42%
TULSA, OK (FHA|USDA|VA) 2 $410,000 $205,000 $0 5.31%
YAKIMA, WA (FHA|USDA|VA) 1 $405,000 $405,000 $12,964 6.88%
Roseburg, OR (FHA|USDA|VA) 1 $405,000 $405,000 $4,178 6.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $395,000 $395,000 $0 7.99%
McAlester, OK (FHA|USDA|VA) 1 $395,000 $395,000 $0 4.60%
Bozeman, MT (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.75%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $390,000 $195,000 $10,602 6.39%
CaƱon City, CO (FHA|USDA|VA) 1 $385,000 $385,000 $0 7.25%
Burley, ID (FHA|USDA|VA) 1 $385,000 $385,000 $0 7.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $385,000 $385,000 $0 9.75%
Georgetown, SC (FHA|USDA|VA) 2 $380,000 $190,000 $0 8.93%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $375,000 $375,000 $4,935 3.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $375,000 $375,000 $0 6.93%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $18,623 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.38%
Sulphur Springs, TX (FHA|USDA|VA) 2 $350,000 $175,000 $8,122 6.81%
Martinsville, VA (FHA|USDA|VA) 1 $345,000 $345,000 $4,725 3.38%
ODESSA, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,901 4.88%
Port Angeles, WA (FHA|USDA|VA) 1 $325,000 $325,000 $3,898 4.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $325,000 $325,000 $9,242 6.50%
BILLINGS, MT (FHA|USDA|VA) 1 $325,000 $325,000 $0 7.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $320,000 $160,000 $6,914 6.13%
Ardmore, OK (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.23%
Oxford, MS (FHA|USDA|VA) 1 $305,000 $305,000 $5,495 5.88%
PUEBLO, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
Jacksonville, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 9.60%
AKRON, OH (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.00%
LYNCHBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $7,222 4.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,053 4.88%
BISMARCK, ND (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.99%
Bartlesville, OK (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.75%
MUSKEGON, MI (FHA|USDA|VA) 2 $270,000 $135,000 $0 8.84%
TOLEDO, OH (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.10%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $255,000 $255,000 $7,186 5.13%
Aberdeen, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,764 3.50%
Huntsville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,557 4.43%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $245,000 $245,000 $0 9.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $245,000 $245,000 $4,804 2.63%
Williston, ND (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.00%
Arcadia, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.40%
Sunbury, PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,333 2.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.00%
La Grande, OR (FHA|USDA|VA) 2 $240,000 $120,000 $5,241 5.06%
Statesboro, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 8.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $0 8.70%
Fort Morgan, CO (FHA|USDA|VA) 1 $225,000 $225,000 $10,204 6.40%
Ontario, OR-ID (FHA|USDA|VA) 1 $225,000 $225,000 $3,759 3.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.23%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.63%
YUMA, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.00%
Searcy, AR (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.00%
FLORENCE, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.68%
APPLETON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.37%
ROCKFORD, IL (FHA|USDA|VA) 1 $185,000 $185,000 $7,996 7.75%
Taos, NM (FHA|USDA|VA) 1 $185,000 $185,000 $3,800 4.38%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $0 9.58%
LONGVIEW, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 9.00%
Shelby, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.10%
Cadillac, MI (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.65%
Russellville, AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.68%
Batesville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $8,870 3.83%
DUBUQUE, IA (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.75%
Cullman, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.75%
Durant, OK (FHA|USDA|VA) 1 $125,000 $125,000 $8,478 5.38%
MORRISTOWN, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.53%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,132 3.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.00%
Mount Vernon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.98%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $115,000 $115,000 $7,147 3.25%
Eagle Pass, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.65%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
Coldwater, MI (FHA|USDA|VA) 1 $65,000 $65,000 $1,488 2.75%
Commerce Home Mortgage's top markets include Los Angeles, San Francisco, Riverside, Miami, and San Diego among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Commerce Home Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 42
    SCHOOLSFIRST
    Similarity Rank: 132
    Sierra Central Credit Union
    Similarity Rank: 152
    1ST UNITED SERVICES CREDIT UNION
    Similarity Rank: 161
    Del Norte Credit Union
    Similarity Rank: 198
    COASTHILLS
    Similarity Rank: 240
    DRAGAS MORTGAGE COMPANY
    Similarity Rank: 245
    GUADALUPE CREDIT UNION
    Similarity Rank: 265
    RAILROAD & INDUSTRIAL
    Similarity Rank: 335

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 10,421 $5,334,605,000 $511,909 $8,128 6.00%
    FHA 1,406 $433,490,000 $308,314 $12,308 4.89%
    VA 427 $152,135,000 $356,288 $11,379 4.71%
    USDA 30 $9,000,000 $300,000 $11,061 4.08%

    For 2022, Commerce Home Mortgage's most frequently originated type of loan was Conventional, with 10,421 originations. Their 2nd most popular type was FHA, with 1,406 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,656 $3,912,740,000 $452,026 $9,419 5.79%
    Cash Out Refi 2,656 $1,477,760,000 $556,386 $9,522 6.16%
    Refi 774 $437,840,000 $565,685 $8,142 5.16%
    Home Improvement 198 $100,890,000 $509,545 $6,195 5.18%

    For 2022, Commerce Home Mortgage's most frequently cited loan purpose was Home Purchase, with 8,656 originations. The 2nd most popular reason was Cash Out Refi, with 2,656 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 11,989 $5,781,285,000 $482,216 $9,387 5.83%
    15 Year 102 $25,930,000 $254,216 $4,574 3.85%
    Other 99 $73,825,000 $745,707 $3,618 7.80%
    30+ year 44 $32,460,000 $737,727 $20,518 5.00%
    20 Year 36 $9,660,000 $268,333 $5,255 4.36%
    3 Year 11 $5,565,000 $505,909 $0 8.73%
    10 Year 3 $505,000 $168,333 $4,214 4.29%

    For 2022, Commerce Home Mortgage's most frequently cited loan duration was 30 Year, with 11,989 originations. The 2nd most popular length was 15 Year, with 102 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 6,265 $3,721,595,000 $594,030
    $1k-2k 1,660 $731,300,000 $440,542
    $2k-3k 1,067 $345,335,000 $323,650
    $3k-4k 931 $306,945,000 $329,694
    $4k-5k 753 $246,915,000 $327,908
    $<1k 525 $38,855,000 $74,010

    Commerce Home Mortgage's average total fees were $9,387, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 6,265 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,935 $1,458,165,000 $496,819
    4-5% 2,233 $1,099,795,000 $492,519
    6-7% 1,905 $1,022,285,000 $536,633
    7-8% 1,879 $958,535,000 $510,130
    Over 8% 1,408 $677,800,000 $481,392
    3-4% 1,391 $637,995,000 $458,659
    <2.5% 369 $13,655,000 $37,005
    2.5-3% 164 $61,000,000 $371,951

    During 2022, Commerce Home Mortgage's average interest rate for loans was 5.83%, while their most frequently originated rate bucket for loans was 5-6%, with 2,935 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,690 $1,368,430,000 $291,776 $8,694 5.87%
    $400k-600k 2,587 $1,259,575,000 $486,886 $10,435 5.86%
    $600k-1MM 1,701 $1,280,635,000 $752,872 $13,401 6.01%
    $100k-200k 1,686 $266,730,000 $158,203 $6,528 6.05%
    $1MM+ 1,097 $1,736,945,000 $1,583,359 $23,360 6.22%
    $100,000 or less 523 $16,915,000 $32,342 $376 2.97%

    2022 saw Commerce Home Mortgage place emphasis on $200k-400k loans with 4,690 originations, totaling $1,368,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,347 $516,215,000 $383,233 $8,897 4.73%
    $50k-75k 1,207 $272,075,000 $225,414 $7,300 4.37%
    $75k-100k 1,171 $352,645,000 $301,149 $8,312 4.59%
    $150k-250k 986 $520,460,000 $527,850 $9,938 5.09%
    $250k+ 821 $750,085,000 $913,624 $15,296 5.40%
    $50k or less 481 $99,305,000 $206,455 $7,085 4.33%

    Commerce Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,347 originations. The second most popular income band? $50k-75k, with 1,207 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 834 $382,590,000 $458,741 $9,346 4.92%
    20-30% 681 $335,965,000 $493,341 $8,844 4.83%
    50-60% 531 $176,005,000 $331,460 $11,554 4.82%
    <20% 461 $213,015,000 $462,072 $7,712 3.73%
    44% 366 $135,400,000 $369,945 $9,251 4.77%
    49% 321 $115,565,000 $360,016 $8,837 4.89%
    42% 310 $136,090,000 $439,000 $9,681 4.78%
    43% 286 $105,400,000 $368,531 $9,195 4.68%
    41% 270 $121,350,000 $449,444 $9,351 4.93%
    45% 266 $99,130,000 $372,669 $8,786 4.85%
    39% 230 $93,730,000 $407,522 $10,059 4.72%
    48% 220 $83,190,000 $378,136 $8,699 4.86%
    47% 219 $77,675,000 $354,680 $9,317 4.86%
    40% 213 $86,395,000 $405,610 $9,332 4.78%
    38% 211 $90,485,000 $428,839 $8,771 4.83%
    46% 201 $78,455,000 $390,323 $8,801 4.87%
    37% 183 $80,375,000 $439,208 $9,681 4.90%
    36% 168 $77,440,000 $460,952 $8,489 4.96%
    >60% 13 $3,885,000 $298,846 $9,828 3.78%

    Commerce Home Mortgage lent most frequently to those with DTI ratios of 30-36%, with 834 originations. The next most common DTI ratio? 20-30%, with 681 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,202 $3,812,220,000 $464,792 $8,965 5.70%
    Not provided 1,582 $827,460,000 $523,047 $10,175 6.07%
    Asian 1,417 $789,335,000 $557,047 $10,222 6.23%
    Black 745 $341,745,000 $458,718 $11,263 6.03%
    American Indian 201 $77,915,000 $387,637 $8,194 5.19%
    Asian Indian 37 $24,285,000 $656,351 $11,376 5.69%
    Native Hawaiian or Islander 40 $17,090,000 $427,250 $8,900 5.79%
    Other Asian 21 $14,295,000 $680,714 $7,965 5.63%
    Chinese 14 $10,610,000 $757,857 $6,141 5.10%
    Filipino 12 $6,110,000 $509,167 $9,715 4.63%
    Vietnamese 6 $3,220,000 $536,667 $0 6.42%
    Japanese 3 $2,985,000 $995,000 $5,470 5.11%
    Korean 2 $1,410,000 $705,000 $9,841 4.63%
    Native Hawaiian 1 $335,000 $335,000 $18,234 6.13%
    Guamanian 1 $215,000 $215,000 $12,375 5.63%

    Approval Rates

    Total approvals of all applications
    93.21%

    Commerce Home Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    38.24%

    Commerce Home Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,284 $5,929,230,000 $482,679

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,284 $5,929,230,000 $482,679

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 632 $250,260,000 $395,981 $6,801 5.97%
    40-60% 1,620 $860,770,000 $531,340 $7,292 5.96%
    60-80% 4,925 $2,724,135,000 $553,124 $10,464 6.39%
    80-100% 4,349 $1,992,555,000 $458,164 $10,362 5.43%
    Over 100% 128 $48,540,000 $379,219 $16,781 4.84%
    Under 20% 630 $52,970,000 $84,079 $325 3.79%