Comerica Bank Mortgage Rates, Fees & Info

Dallas, TX

LEI: 70WY0ID1N53Q4254VH70

Tax ID: 42-1741646

5 stars - Updated: 7/11/24 - out of 5 stars, based on 64 reviews

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

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Mortgage Data

Review & Overview

Comerica Bank is a small bank specializing in Home Improvement and Refi loans. Comerica Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Detroit, Dallas, San Francisco, and Houston among others. We have data for 97 markets. (Some data included below & more in-depth data is available with an active subscription.)

Comerica Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Comerica Bank is typically an average 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
Home Equity Line of Credit (HELOC) 6.27% 7/11/24
30 Year Conventional Purchase 6.52% 7/11/24
30 Year Conventional Refi 6.25% 7/11/24
30 Year Cash-out Refi 6.55% 7/11/24
30 Year FHA Purchase 6.81% 7/11/24
30 Year FHA Refi 6.27% 7/11/24
15 Year Conventional Purchase 6.13% 7/11/24
15 Year Conventional Refi 5.82% 7/11/24
15 Year Cash-out Refi 5.82% 7/11/24
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.

Comerica Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Comerica Bank. 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

4,039

Origination Dollar Volume (All Markets)

$1,183,585,000

Awards

Comerica Bank 30 Year Conventional Loans gold
Show all (1) awards

Relative Rate

Comerica Bank's average 30 year fixed mortgage rate was 5.85%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.63%.

Relative Fees (Closing Costs)

Comerica Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,523.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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) 503 $207,645,000 $412,813 $6,966 5.79%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1,103 $171,485,000 $155,471 $3,024 5.90%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 407 $148,295,000 $364,361 $6,792 5.97%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 200 $72,620,000 $363,100 $5,446 5.74%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 322 $66,470,000 $206,429 $6,468 5.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 223 $65,165,000 $292,220 $10,335 5.78%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 42 $39,630,000 $943,571 $11,748 5.80%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 111 $38,485,000 $346,712 $11,792 5.76%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 173 $34,205,000 $197,717 $5,422 5.80%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $26,665,000 $26,665,000 $0 7.65%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 84 $26,160,000 $311,429 $2,980 5.72%
PANAMA CITY, FL (FHA|USDA|VA) 1 $25,005,000 $25,005,000 $0 7.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 63 $18,665,000 $296,270 $10,554 5.89%
THE VILLAGES, FL (FHA|USDA|VA) 1 $18,355,000 $18,355,000 $0 7.58%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $18,105,000 $18,105,000 $0 7.64%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 19 $17,245,000 $907,632 $17,092 5.71%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 101 $13,265,000 $131,337 $3,275 5.87%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 78 $13,230,000 $169,615 $8,868 5.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $12,160,000 $1,520,000 $12,172 6.03%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 41 $11,495,000 $280,366 $2,859 5.84%
ANN ARBOR, MI (FHA|USDA|VA) 59 $10,035,000 $170,085 $3,341 5.82%
Glenwood Springs, CO (FHA|USDA|VA) 2 $9,890,000 $4,945,000 $8,155 6.50%
Athens, TX (FHA|USDA|VA) 5 $8,935,000 $1,787,000 $19,051 5.77%
Outside of Metro Areas 41 $8,325,000 $203,049 $4,500 6.06%
JACKSON, MI (FHA|USDA|VA) 70 $6,790,000 $97,000 $2,842 5.91%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $6,090,000 $3,045,000 $6,288 6.44%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $5,790,000 $361,875 $19,840 6.09%
SALINAS, CA (FHA|USDA|VA) 25 $5,555,000 $222,200 $3,322 5.82%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 45 $5,285,000 $117,444 $3,084 5.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $4,865,000 $1,621,667 $21,041 5.79%
MUSKEGON, MI (FHA|USDA|VA) 42 $4,320,000 $102,857 $2,448 5.90%
NAPA, CA (FHA|USDA|VA) 3 $3,415,000 $1,138,333 $0 5.58%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $3,285,000 $3,285,000 $10,677 5.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 30 $3,100,000 $103,333 $3,046 5.91%
Hailey, ID (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $13,798 7.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $11,937 5.25%
BATTLE CREEK, MI (FHA|USDA|VA) 36 $2,670,000 $74,167 $2,610 5.97%
Jackson, WY-ID (FHA|USDA|VA) 1 $2,265,000 $2,265,000 $0 7.25%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $2,095,000 $2,095,000 $12,609 5.88%
Edwards, CO (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $5,336 6.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $4,701 5.50%
RENO, NV (FHA|USDA|VA) 1 $1,915,000 $1,915,000 $6,520 5.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,915,000 $1,915,000 $11,188 6.38%
STOCKTON, CA (FHA|USDA|VA) 8 $1,720,000 $215,000 $3,412 5.79%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,680,000 $420,000 $0 5.62%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $1,660,000 $166,000 $0 5.92%
Adrian, MI (FHA|USDA|VA) 15 $1,515,000 $101,000 $1,843 5.93%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $1,445,000 $131,364 $0 5.92%
Kerrville, TX (FHA|USDA|VA) 8 $1,440,000 $180,000 $5,059 5.90%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $0 5.82%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $12,376 5.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,993 6.83%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,134 5.74%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,245,000 $249,000 $9,181 5.92%
FLINT, MI (FHA|USDA|VA) 15 $1,165,000 $77,667 $3,345 6.08%
FRESNO, CA (FHA|USDA|VA) 3 $1,165,000 $388,333 $0 5.66%
Traverse City, MI (FHA|USDA|VA) 2 $1,110,000 $555,000 $14,272 5.81%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $985,000 $985,000 $21,025 5.00%
Holland, MI (FHA|USDA|VA) 5 $905,000 $181,000 $0 5.59%
MIDLAND, MI (FHA|USDA|VA) 6 $790,000 $131,667 $3,372 6.16%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $725,000 $725,000 $4,625 6.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $550,000 $275,000 $2,860 6.38%
VALLEJO, CA (FHA|USDA|VA) 4 $550,000 $137,500 $3,747 5.74%
Big Rapids, MI (FHA|USDA|VA) 2 $530,000 $265,000 $3,097 6.56%
Sonora, CA (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.49%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $495,000 $165,000 $0 5.74%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $445,000 $148,333 $0 5.82%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $440,000 $220,000 $0 5.62%
MODESTO, CA (FHA|USDA|VA) 4 $420,000 $105,000 $11,455 5.71%
Hillsdale, MI (FHA|USDA|VA) 3 $415,000 $138,333 $0 6.32%
MONROE, MI (FHA|USDA|VA) 5 $415,000 $83,000 $0 6.04%
Centralia, WA (FHA|USDA|VA) 1 $405,000 $405,000 $3,561 7.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $345,000 $115,000 $0 5.82%
SAGINAW, MI (FHA|USDA|VA) 2 $330,000 $165,000 $2,974 5.87%
NILES, MI (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.99%
TUCSON, AZ (FHA|USDA|VA) 2 $310,000 $155,000 $0 5.87%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $290,000 $145,000 $0 5.74%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $260,000 $130,000 $0 6.37%
VISALIA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.49%
Cadillac, MI (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.74%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,034 5.50%
Bonham, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.99%
CHICO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.74%
BAY CITY, MI (FHA|USDA|VA) 3 $195,000 $65,000 $2,369 5.95%
Show Low, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.49%
MADERA, CA (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.49%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,724 7.25%
Payson, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.74%
ABILENE, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,699 7.38%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.74%
Paris, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.74%
LUBBOCK, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,211 8.13%
Ludington, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.74%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.99%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
Comerica Bank's top markets include Los Angeles, Detroit, Dallas, San Francisco, and Houston among others.

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

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 3,658 $750,660,000 $205,210 n/a 5.77%
    Conventional 374 $431,840,000 $1,154,652 $5,212 6.82%
    FHA 7 $1,085,000 $155,000 $6,872 6.59%

    For 2023, Comerica Bank's most frequently originated type of loan was HELOC, with 3,658 originations. Their 2nd most popular type was Conventional, with 374 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,416 $251,480,000 $177,599 $2,914 5.78%
    Refi 1,309 $438,245,000 $334,794 $3,197 5.81%
    Other 946 $235,720,000 $249,175 $6,439 5.81%
    Home Purchase 243 $206,835,000 $851,173 $6,362 6.35%
    Cash Out Refi 125 $51,305,000 $410,440 $4,570 7.04%

    For 2023, Comerica Bank's most frequently cited loan purpose was Home Improvement, with 1,416 originations. The 2nd most popular reason was Refi, with 1,309 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,948 $912,190,000 $231,051 $5,523 5.85%
    15 Year 49 $24,705,000 $504,184 $4,036 6.41%
    5 Year 15 $104,805,000 $6,987,000 $0 7.45%
    20 Year 15 $20,965,000 $1,397,667 $2,857 7.33%
    Other 6 $69,380,000 $11,563,333 $0 7.71%
    3 Year 4 $44,030,000 $11,007,500 $0 7.77%
    1 Year 1 $2,505,000 $2,505,000 $0 9.50%
    10 Year 1 $5,005,000 $5,005,000 $0 5.50%

    For 2023, Comerica Bank's most frequently cited loan duration was 30 Year, with 3,948 originations. The 2nd most popular length was 15 Year, with 49 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 249 $178,645,000 $717,450
    $1k-2k 58 $9,150,000 $157,759
    $2k-3k 18 $3,490,000 $193,889
    $3k-4k 8 $3,140,000 $392,500
    $5k+ 8 $11,260,000 $1,407,500
    $4k-5k 7 $3,015,000 $430,714

    Comerica Bank's average total fees were $5,523, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 249 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 3,531 $814,255,000 $230,602
    6-7% 352 $110,820,000 $314,830
    7-8% 126 $243,450,000 $1,932,143
    Over 8% 25 $8,755,000 $350,200
    3-4% 3 $5,185,000 $1,728,333
    4-5% 2 $1,120,000 $560,000

    During 2023, Comerica Bank's average interest rate for loans was 5.85%, while their most frequently originated rate bucket for loans was 5-6%, with 3,531 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,309 $175,625,000 $134,167 $3,434 5.86%
    $100,000 or less 1,166 $66,250,000 $56,818 $2,702 5.88%
    $200k-400k 957 $258,755,000 $270,381 $4,002 5.87%
    $400k-600k 459 $217,095,000 $472,974 $5,252 5.81%
    $1MM+ 93 $424,355,000 $4,562,957 $15,156 6.19%
    $600k-1MM 55 $41,505,000 $754,636 $7,044 5.96%

    2023 saw Comerica Bank place emphasis on $100k-200k loans with 1,309 originations, totaling $175,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 870 $207,180,000 $238,138 $4,742 5.81%
    $250k+ 838 $421,410,000 $502,876 $10,405 5.83%
    $100k-150k 722 $118,920,000 $164,709 $4,900 5.83%
    $50k-75k 560 $60,740,000 $108,464 $3,690 5.89%
    $75k-100k 459 $60,295,000 $131,362 $3,876 5.85%
    $50k or less 440 $42,770,000 $97,205 $3,199 5.97%

    Comerica Bank lent most frequently to those with incomes in the $150k-250k range, with 870 originations. The second most popular income band? $250k+, with 838 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 835 $170,695,000 $204,425 $4,630 5.82%
    30-36% 680 $146,850,000 $215,956 $4,610 5.87%
    <20% 441 $105,555,000 $239,354 $5,624 5.78%
    44% 339 $68,555,000 $202,227 $5,317 5.77%
    45% 300 $61,420,000 $204,733 $3,990 5.94%
    39% 147 $39,815,000 $270,850 $4,663 5.91%
    40% 139 $27,045,000 $194,568 $6,134 5.91%
    43% 135 $29,965,000 $221,963 $3,233 5.85%
    37% 126 $25,210,000 $200,079 $4,261 5.91%
    38% 125 $24,445,000 $195,560 $4,255 5.86%
    42% 120 $28,420,000 $236,833 $3,245 6.03%
    36% 120 $22,840,000 $190,333 $4,793 5.88%
    49% 118 $22,200,000 $188,136 $4,134 5.83%
    41% 117 $26,025,000 $222,436 $2,684 5.88%
    50-60% 107 $30,135,000 $281,636 $8,291 5.80%
    48% 47 $27,625,000 $587,766 $5,343 6.04%
    46% 42 $8,250,000 $196,429 $4,046 6.34%
    47% 41 $14,335,000 $349,634 $6,125 6.04%
    >60% 27 $52,965,000 $1,961,667 $13,552 5.81%

    Comerica Bank lent most frequently to those with DTI ratios of 20-30%, with 835 originations. The next most common DTI ratio? 30-36%, with 680 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,425 $508,545,000 $209,709 $4,455 5.86%
    Not provided 949 $307,865,000 $324,410 $6,374 5.86%
    Not applicable 26 $239,400,000 $9,207,692 $7,747 7.17%
    Asian 157 $49,395,000 $314,618 $9,225 5.87%
    Black 226 $24,130,000 $106,770 $3,488 5.94%
    Asian Indian 62 $16,890,000 $272,419 $0 5.73%
    American Indian 73 $11,605,000 $158,973 $3,179 5.84%
    Other Asian 47 $8,795,000 $187,128 $2,790 5.76%
    Chinese 20 $5,780,000 $289,000 $0 5.93%
    Filipino 24 $4,950,000 $206,250 $0 5.78%
    Vietnamese 12 $2,460,000 $205,000 $0 5.74%
    Korean 10 $1,830,000 $183,000 $0 5.74%
    Japanese 3 $1,115,000 $371,667 $0 5.74%
    Native Hawaiian or Islander 3 $565,000 $188,333 $0 5.66%
    Other Pacific Islander 2 $260,000 $130,000 $0 5.74%

    Approval Rates

    Total approvals of all applications
    58.57%

    Comerica Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    74.30%

    Comerica Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,039 $1,183,585,000 $293,039

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,039 $1,183,585,000 $293,039

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,405 $320,595,000 $228,181 $3,009 5.85%
    40-60% 572 $262,760,000 $459,371 $3,947 5.92%
    60-80% 478 $318,960,000 $667,280 $7,415 6.02%
    80-100% 105 $80,085,000 $762,714 $6,384 6.29%
    Under 20% 1,479 $201,185,000 $136,028 $3,456 5.80%