Commerce Bank Mortgage Rates, Fees & Info
Kansas City, MOLEI: 7DMUJTL9FFTVIAG9H788
Tax ID: 48-0962626
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Commerce Bank is a smaller bank specializing in Home Purchase loans. Commerce 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Denver, Springfield, and Wichita among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)Commerce Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Commerce Bank is typically a low 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.84% | 4/5/25 |
| 30 Year Conventional Refi | 6.97% | 4/5/25 |
| 30 Year Cash-out Refi | 7.08% | 4/5/25 |
| 30 Year FHA Purchase | 7.66% | 4/5/25 |
| 30 Year FHA Refi | 7.42% | 4/5/25 |
| 30 Year VA Purchase | 7.25% | 4/5/25 |
| 30 Year USDA Purchase | 7.78% | 4/5/25 |
| 15 Year Conventional Purchase | 5.94% | 4/5/25 |
| 15 Year Conventional Refi | 7.67% | 4/5/25 |
| 15 Year Cash-out Refi | 7.67% | 4/5/25 |
| 15 Year VA Purchase | 6.60% | 4/5/25 |
| 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 Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Commerce 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
4,101Origination Dollar Volume (All Markets)
$811,365,000Awards
Commerce Bank - 2024
Commerce Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Commerce Bank's average 30 year fixed mortgage rate was
6.72%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.17%.
Relative Fees (Closing Costs)
Commerce Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,750.
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 $8,356.
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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1,309 | $223,745,000 | $170,928 | $1,785 | 5.86% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,217 | $187,155,000 | $153,784 | $1,810 | 6.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 142 | $82,440,000 | $580,563 | $4,266 | 5.93% |
| Outside of Metro Areas | 126 | $29,920,000 | $237,460 | $2,220 | 6.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 239 | $26,635,000 | $111,444 | $1,766 | 6.26% |
| WICHITA, KS (FHA|USDA|VA) | 139 | $25,795,000 | $185,576 | $2,257 | 6.45% |
| COLUMBIA, MO (FHA|USDA|VA) | 95 | $17,735,000 | $186,684 | $1,487 | 6.62% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $13,150,000 | $821,875 | $5,432 | 6.78% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 93 | $10,495,000 | $112,849 | $1,321 | 6.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $9,415,000 | $1,046,111 | $8,276 | 6.42% |
| TULSA, OK (FHA|USDA|VA) | 29 | $7,145,000 | $246,379 | $3,693 | 6.33% |
| JOPLIN, MO (FHA|USDA|VA) | 51 | $6,595,000 | $129,314 | $1,297 | 7.32% |
| PEORIA, IL (FHA|USDA|VA) | 85 | $6,305,000 | $74,176 | $850 | 6.68% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 20 | $6,160,000 | $308,000 | $5,223 | 4.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $6,005,000 | $2,001,667 | $7,156 | 5.21% |
| LAWRENCE, KS (FHA|USDA|VA) | 41 | $5,915,000 | $144,268 | $1,020 | 5.79% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 45 | $5,395,000 | $119,889 | $1,310 | 6.07% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $5,310,000 | $1,327,500 | $5,634 | 5.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $5,200,000 | $2,600,000 | $9,297 | 6.56% |
| Breckenridge, CO (FHA|USDA|VA) | 8 | $5,070,000 | $633,750 | $3,007 | 5.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $4,920,000 | $1,230,000 | $7,306 | 6.19% |
| MANHATTAN, KS (FHA|USDA|VA) | 27 | $4,315,000 | $159,815 | $2,026 | 6.89% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 34 | $4,110,000 | $120,882 | $1,975 | 6.62% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 31 | $4,085,000 | $131,774 | $1,876 | 6.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $4,055,000 | $1,351,667 | $8,246 | 6.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $3,835,000 | $1,278,333 | $11,355 | 5.08% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $3,545,000 | $3,545,000 | $20,194 | 6.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $3,530,000 | $882,500 | $7,887 | 6.59% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $3,355,000 | $1,118,333 | $6,702 | 5.29% |
| Edwards, CO (FHA|USDA|VA) | 4 | $3,290,000 | $822,500 | $4,879 | 5.47% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $3,205,000 | $1,068,333 | $2,837 | 6.33% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $2,955,000 | $591,000 | $4,226 | 6.23% |
| NAPA, CA (FHA|USDA|VA) | 1 | $2,905,000 | $2,905,000 | $7,607 | 6.50% |
| Hannibal, MO (FHA|USDA|VA) | 26 | $2,750,000 | $105,769 | $1,218 | 7.04% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $2,572 | 5.71% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $2,710,000 | $1,355,000 | $8,314 | 6.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $2,595,000 | $865,000 | $4,078 | 6.75% |
| Moberly, MO (FHA|USDA|VA) | 22 | $2,290,000 | $104,091 | $1,602 | 7.15% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $2,265,000 | $755,000 | $5,629 | 6.50% |
| Branson, MO (FHA|USDA|VA) | 12 | $2,180,000 | $181,667 | $2,188 | 5.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $2,165,000 | $2,165,000 | $8,866 | 6.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $2,100,000 | $1,050,000 | $13,449 | 6.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $2,090,000 | $1,045,000 | $7,842 | 6.13% |
| Oxford, MS (FHA|USDA|VA) | 1 | $2,025,000 | $2,025,000 | $7,780 | 6.63% |
| Lebanon, MO (FHA|USDA|VA) | 18 | $1,990,000 | $110,556 | $1,482 | 6.93% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $2,382 | 6.95% |
| Garden City, KS (FHA|USDA|VA) | 12 | $1,680,000 | $140,000 | $2,770 | 7.10% |
| Pittsburg, KS (FHA|USDA|VA) | 17 | $1,635,000 | $96,176 | $1,977 | 6.98% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $3,236 | 5.72% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $3,757 | 6.54% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $4,425 | 6.56% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $18,302 | 6.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $3,696 | 4.75% |
| Hays, KS (FHA|USDA|VA) | 15 | $1,135,000 | $75,667 | $1,705 | 5.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $5,444 | 6.81% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $3,016 | 4.93% |
| Hutchinson, KS (FHA|USDA|VA) | 16 | $1,080,000 | $67,500 | $1,293 | 5.87% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $3,806 | 6.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $4,661 | 6.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $8,047 | 6.38% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $3,844 | 6.56% |
| Mexico, MO (FHA|USDA|VA) | 10 | $970,000 | $97,000 | $1,791 | 6.70% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $7,154 | 5.75% |
| Poplar Bluff, MO (FHA|USDA|VA) | 9 | $955,000 | $106,111 | $3,475 | 6.02% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $5,116 | 6.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,342 | 6.94% |
| Warrensburg, MO (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $2,327 | 6.48% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,174 | 4.68% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,953 | 6.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $11,663 | 5.75% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $3,380 | 6.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $4,235 | 6.38% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,438 | 6.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,599 | 7.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,658 | 6.63% |
| Hilo, HI (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $5,619 | 6.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,826 | 6.13% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $14,501 | 5.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,806 | 6.25% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 6.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,526 | 6.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,631 | 4.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,043 | 6.38% |
| Riverton, WY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,839 | 6.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 2.99% |
| Farmington, MO (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $1,741 | 5.64% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,743 | 6.38% |
| Salina, KS (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 2.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,575 | 6.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,170 | 6.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $0 | 2.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,157 | 6.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 7.76% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,276 | 5.63% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,782 | 7.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,789 | 5.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,486 | 6.63% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,315 | 7.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,173 | 6.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.99% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,342 | 6.00% |
| Parsons, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,233 | 7.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,852 | 6.50% |
| Emporia, KS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 7.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,819 | 7.00% |
| Atchison, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,331 | 7.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,651 | 6.75% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,563 | 7.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.99% |
| TYLER, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,159 | 6.75% |
| Rolla, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.30% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,489 | 6.38% |
| Maryville, MO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,027 | 4.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,974 | 6.50% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,934 | 7.00% |
| NILES, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,702 | 7.00% |
| Laramie, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,511 | 6.88% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,059 | 6.63% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,778 | 7.13% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 4.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,455 | 6.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,237 | 7.25% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 5.95% |
| Montrose, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,966 | 6.38% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,964 | 6.63% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.40% |
| Lincoln, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,406 | 7.49% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,293 | 6.63% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.75% |
| Winfield, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,238 | 7.50% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.39% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.64% |
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We use machine learning to identify the top lenders compared against Commerce 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
For 2024, Commerce Bank's most frequently originated type of loan was HELOC, with 2,061 originations. Their 2nd most popular type was Conventional, with 1,959 originations.
Loan Reason
For 2024, Commerce Bank's most frequently cited loan purpose was Home Purchase, with 1,095 originations. The 2nd most popular reason was Home Improvement, with 1,092 originations.
Loan Duration/Length
For 2024, Commerce Bank's most frequently cited loan duration was 10 Year, with 2,198 originations. The 2nd most popular length was 30 Year, with 1,042 originations.
Origination Fees/Closing Costs
Commerce Bank's average total fees were $3,750, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,509 originations.
Interest Rates
During 2024, Commerce Bank's average interest rate for loans was 6.72%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,483 originations.
Loan Sizing
2024 saw Commerce Bank place emphasis on $100,000 or less loans with 2,004 originations, totaling $94,730,000 in origination value.
Applicant Income
Commerce Bank lent most frequently to those with incomes in the $100k-150k range, with 842 originations. The second most popular income band? $150k-250k, with 772 originations.
Applicant Debt to Income Ratio
Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 895 originations. The next most common DTI ratio? 30-36%, with 715 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.85%
Commerce Bank has a below average approval rate.
Pick Rate
Approvals leading to origination74.79%
Commerce Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,101 | $811,365,000 | $197,846 |