Commerce Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: 7DMUJTL9FFTVIAG9H788

Tax ID: 48-0962626

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

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Mortgage Data

Bank Data

Review & Overview

Commerce Bank is a small bank specializing in Home Purchase and Refi 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, Wichita, and Springfield among others. We have data for 118 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) 6.27% 4/22/24
30 Year Conventional Purchase 6.92% 4/22/24
30 Year Conventional Refi 6.97% 4/22/24
30 Year Cash-out Refi 6.98% 4/22/24
30 Year FHA Purchase 7.43% 4/22/24
30 Year FHA Refi 7.21% 4/22/24
30 Year VA Purchase 6.40% 4/22/24
30 Year USDA Purchase 7.04% 4/22/24
15 Year Conventional Purchase 6.27% 4/22/24
15 Year Conventional Refi 6.22% 4/22/24
15 Year Cash-out Refi 6.22% 4/22/24
15 Year FHA Purchase 5.68% 4/22/24
15 Year FHA Refi 6.87% 4/22/24
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 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

6,324

Origination Dollar Volume (All Markets)

$1,064,670,000

Employee count

4,631 Show all (20) 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
KANSAS CITY, MO-KS (FHA|USDA|VA) 1,946 $299,980,000 $154,152 $1,854 4.42%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1,768 $221,730,000 $125,413 $1,745 4.61%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 219 $119,515,000 $545,731 $3,261 5.01%
WICHITA, KS (FHA|USDA|VA) 263 $59,455,000 $226,065 $2,840 4.53%
SPRINGFIELD, MO (FHA|USDA|VA) 379 $44,885,000 $118,430 $1,766 4.63%
Outside of Metro Areas 213 $30,585,000 $143,592 $2,329 4.61%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $27,555,000 $27,555,000 $0 4.39%
COLUMBIA, MO (FHA|USDA|VA) 135 $18,635,000 $138,037 $1,861 4.44%
TULSA, OK (FHA|USDA|VA) 74 $17,950,000 $242,568 $3,687 4.98%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 169 $17,325,000 $102,515 $1,694 4.89%
JOPLIN, MO (FHA|USDA|VA) 78 $11,950,000 $153,205 $2,069 4.68%
PEORIA, IL (FHA|USDA|VA) 140 $11,180,000 $79,857 $1,105 4.53%
BLOOMINGTON, IL (FHA|USDA|VA) 85 $9,605,000 $113,000 $1,429 4.49%
LAWRENCE, KS (FHA|USDA|VA) 66 $9,580,000 $145,152 $2,066 4.69%
MANHATTAN, KS (FHA|USDA|VA) 53 $8,275,000 $156,132 $2,827 4.51%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 23 $7,815,000 $339,783 $810 4.63%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 70 $6,770,000 $96,714 $1,602 4.87%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $6,755,000 $2,251,667 $0 4.23%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $6,095,000 $1,219,000 $10,553 4.43%
JEFFERSON CITY, MO (FHA|USDA|VA) 54 $6,040,000 $111,852 $1,722 5.26%
Edwards, CO (FHA|USDA|VA) 4 $5,840,000 $1,460,000 $4,324 4.78%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $5,325,000 $1,775,000 $4,765 4.12%
Moberly, MO (FHA|USDA|VA) 69 $4,905,000 $71,087 $1,774 5.07%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $4,745,000 $316,333 $3,376 3.69%
Heber, UT (FHA|USDA|VA) 2 $4,580,000 $2,290,000 $5,600 4.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $4,100,000 $2,050,000 $12,348 4.31%
Mexico, MO (FHA|USDA|VA) 52 $4,070,000 $78,269 $1,897 5.52%
TOPEKA, KS (FHA|USDA|VA) 25 $3,925,000 $157,000 $2,149 4.56%
Pittsburg, KS (FHA|USDA|VA) 49 $3,795,000 $77,449 $2,525 4.78%
BOULDER, CO (FHA|USDA|VA) 5 $3,525,000 $705,000 $2,800 4.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $3,425,000 $263,462 $3,345 4.41%
Breckenridge, CO (FHA|USDA|VA) 8 $3,230,000 $403,750 $2,707 3.83%
Hays, KS (FHA|USDA|VA) 32 $3,180,000 $99,375 $1,833 4.78%
Hannibal, MO (FHA|USDA|VA) 27 $3,165,000 $117,222 $1,817 4.67%
FORT COLLINS, CO (FHA|USDA|VA) 7 $2,875,000 $410,714 $2,797 4.27%
PANAMA CITY, FL (FHA|USDA|VA) 2 $2,650,000 $1,325,000 $0 4.18%
Sikeston, MO (FHA|USDA|VA) 10 $2,630,000 $263,000 $2,363 5.14%
Lebanon, MO (FHA|USDA|VA) 31 $2,515,000 $81,129 $1,206 5.14%
Glenwood Springs, CO (FHA|USDA|VA) 1 $2,405,000 $2,405,000 $8,880 3.88%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $2,240,000 $560,000 $5,325 4.22%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $2,220,000 $1,110,000 $6,346 3.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $2,190,000 $1,095,000 $4,024 4.32%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,090,000 $261,250 $2,610 4.91%
Garden City, KS (FHA|USDA|VA) 15 $2,075,000 $138,333 $1,886 4.20%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $2,065,000 $688,333 $7,731 3.66%
Poplar Bluff, MO (FHA|USDA|VA) 25 $1,945,000 $77,800 $1,427 4.83%
Branson, MO (FHA|USDA|VA) 20 $1,800,000 $90,000 $1,865 4.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,745,000 $581,667 $2,732 5.00%
Traverse City, MI (FHA|USDA|VA) 1 $1,625,000 $1,625,000 $0 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,510,000 $251,667 $4,272 4.42%
GREELEY, CO (FHA|USDA|VA) 6 $1,410,000 $235,000 $1,594 4.96%
Warrensburg, MO (FHA|USDA|VA) 9 $1,395,000 $155,000 $1,796 4.79%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,380,000 $690,000 $4,558 3.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,411 4.67%
Dodge City, KS (FHA|USDA|VA) 6 $1,180,000 $196,667 $2,738 5.32%
Farmington, MO (FHA|USDA|VA) 13 $1,125,000 $86,538 $1,265 4.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 4 $1,110,000 $277,500 $2,698 5.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $950,000 $475,000 $5,761 3.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $935,000 $311,667 $3,701 4.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $880,000 $440,000 $3,832 4.13%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $860,000 $430,000 $5,706 3.43%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $845,000 $845,000 $4,926 3.88%
Hutchinson, KS (FHA|USDA|VA) 7 $825,000 $117,857 $1,513 4.99%
Steamboat Springs, CO (FHA|USDA|VA) 2 $780,000 $390,000 $0 2.99%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $705,000 $705,000 $5,716 4.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $685,000 $685,000 $5,849 3.38%
Key West, FL (FHA|USDA|VA) 1 $625,000 $625,000 $4,838 4.50%
Kerrville, TX (FHA|USDA|VA) 1 $595,000 $595,000 $7,623 4.88%
Atchison, KS (FHA|USDA|VA) 3 $575,000 $191,667 $1,934 4.95%
Ukiah, CA (FHA|USDA|VA) 1 $505,000 $505,000 $2,747 3.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $500,000 $250,000 $2,667 4.06%
Parsons, KS (FHA|USDA|VA) 3 $485,000 $161,667 $2,241 5.28%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $465,000 $465,000 $5,903 3.25%
Durango, CO (FHA|USDA|VA) 1 $455,000 $455,000 $2,544 4.00%
Whitewater, WI (FHA|USDA|VA) 1 $445,000 $445,000 $3,119 4.13%
SANTA FE, NM (FHA|USDA|VA) 1 $425,000 $425,000 $4,734 3.38%
Tahlequah, OK (FHA|USDA|VA) 2 $400,000 $200,000 $0 4.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $395,000 $395,000 $0 2.99%
Rolla, MO (FHA|USDA|VA) 3 $395,000 $131,667 $4,336 4.58%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $385,000 $385,000 $3,300 4.13%
Quincy, IL-MO (FHA|USDA|VA) 3 $375,000 $125,000 $2,115 4.33%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $360,000 $180,000 $2,468 4.44%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $355,000 $355,000 $3,697 4.13%
MOBILE, AL (FHA|USDA|VA) 1 $345,000 $345,000 $3,178 3.88%
COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $5,700 5.00%
Kirksville, MO (FHA|USDA|VA) 3 $335,000 $111,667 $2,609 4.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $335,000 $335,000 $3,919 4.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,472 3.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,773 4.38%
Galesburg, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,870 4.75%
FARMINGTON, NM (FHA|USDA|VA) 1 $255,000 $255,000 $3,036 3.88%
TUCSON, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $4,313 4.88%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $245,000 $245,000 $3,951 4.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,835 4.00%
CaƱon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,546 4.38%
MUSKEGON, MI (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.99%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $225,000 $225,000 $1,449 4.50%
Salina, KS (FHA|USDA|VA) 1 $215,000 $215,000 $1,461 4.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,729 5.25%
Ottawa, KS (FHA|USDA|VA) 3 $185,000 $61,667 $1,692 4.24%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,460 4.50%
Madison, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,975 3.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,008 3.88%
Carroll, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,334 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
Sedalia, MO (FHA|USDA|VA) 2 $140,000 $70,000 $0 3.97%
Maryville, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,468 5.00%
ROCHESTER, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.99%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,194 5.13%
Winfield, KS (FHA|USDA|VA) 2 $110,000 $55,000 $1,277 5.49%
McAlester, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
Lincoln, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.00%
Rochelle, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,677 5.00%
ENID, OK (FHA|USDA|VA) 1 $85,000 $85,000 $2,748 4.00%
Coffeyville, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,025 5.25%
Kennett, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.83%
Emporia, KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,206 5.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.75%
Commerce Bank's top markets include Kansas City, St. Louis, Denver, Wichita, and Springfield among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Similar Lenders

    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.

    UNITED
    Similarity Rank: 28
    Tulsa Federal Credit Union
    Similarity Rank: 42
    American Bank of Missouri
    Similarity Rank: 48
    ESB Financial
    Similarity Rank: 60
    The Halstead Bank
    Similarity Rank: 64
    RED CROWN
    Similarity Rank: 66
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,651 $799,925,000 $219,098 $1,801 5.02%
    HELOC 2,393 $221,635,000 $92,618 n/a 3.93%
    FHA 174 $24,010,000 $137,989 $4,186 4.66%
    VA 85 $16,695,000 $196,412 $5,079 4.40%
    USDA 21 $2,405,000 $114,524 $2,881 4.88%

    For 2018, Commerce Bank's most frequently originated type of loan was Conventional, with 3,651 originations. Their 2nd most popular type was HELOC, with 2,393 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,950 $498,860,000 $255,826 $2,875 4.60%
    Refi 1,735 $311,365,000 $179,461 $1,171 5.29%
    Home Improvement 1,118 $67,100,000 $60,018 $103 3.90%
    Other 1,050 $78,130,000 $74,410 $420 4.21%
    Cash Out Refi 471 $109,215,000 $231,879 $2,848 4.43%

    For 2018, Commerce Bank's most frequently cited loan purpose was Home Purchase, with 1,950 originations. The 2nd most popular reason was Refi, with 1,735 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 2,480 $195,530,000 $78,843 $433 4.05%
    30 Year 1,794 $432,660,000 $241,171 $2,991 4.56%
    Other 992 $154,370,000 $155,615 $31 5.70%
    15 Year 370 $89,540,000 $242,000 $2,495 4.24%
    5 Year 301 $64,405,000 $213,970 $0 5.49%
    1 Year 176 $86,660,000 $492,386 $0 5.25%
    20 Year 166 $36,320,000 $218,795 $2,710 4.61%
    3 Year 45 $5,185,000 $115,222 $0 5.23%

    For 2018, Commerce Bank's most frequently cited loan duration was 10 Year, with 2,480 originations. The 2nd most popular length was 30 Year, with 1,794 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,958 $503,040,000 $170,061
    $1k-2k 347 $82,305,000 $237,190
    $2k-3k 57 $14,465,000 $253,772
    $3k-4k 17 $3,915,000 $230,294
    $5k+ 10 $3,640,000 $364,000
    $4k-5k 7 $2,115,000 $302,143

    Commerce Bank's average total fees were $2,991, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,958 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,949 $446,995,000 $229,346
    2.5-3% 1,591 $129,105,000 $81,147
    5-6% 1,364 $218,050,000 $159,861
    6-7% 815 $48,145,000 $59,074
    3-4% 566 $218,860,000 $386,678
    7-8% 37 $1,655,000 $44,730
    Over 8% 1 $965,000 $965,000

    During 2018, Commerce Bank's average interest rate for loans was 4.56%, while their most frequently originated rate bucket for loans was 4-5%, with 1,949 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,392 $154,270,000 $45,481 $773 4.71%
    $100k-200k 1,490 $211,410,000 $141,886 $2,587 4.53%
    $200k-400k 975 $264,615,000 $271,400 $2,997 4.38%
    $400k-600k 261 $125,165,000 $479,559 $3,221 4.26%
    $600k-1MM 133 $98,555,000 $741,015 $3,635 4.36%
    $1MM+ 73 $210,655,000 $2,885,685 $5,797 4.24%

    2018 saw Commerce Bank place emphasis on $100,000 or less loans with 3,392 originations, totaling $154,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,194 $151,280,000 $126,700 $1,931 4.49%
    $50k-75k 1,127 $102,415,000 $90,874 $1,943 4.72%
    $50k or less 1,033 $70,185,000 $67,943 $1,834 4.83%
    $75k-100k 895 $94,445,000 $105,525 $1,855 4.63%
    $150k-250k 884 $145,750,000 $164,876 $2,079 4.30%
    $250k+ 703 $269,845,000 $383,848 $2,817 4.10%

    Commerce Bank lent most frequently to those with incomes in the $100k-150k range, with 1,194 originations. The second most popular income band? $50k-75k, with 1,127 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,574 $200,950,000 $127,668 $1,880 4.46%
    30-36% 1,055 $151,505,000 $143,607 $1,996 4.52%
    <20% 894 $146,260,000 $163,602 $2,024 4.43%
    42% 404 $38,810,000 $96,064 $1,188 4.49%
    41% 262 $35,870,000 $136,908 $1,792 4.61%
    40% 226 $30,730,000 $135,973 $1,898 4.53%
    38% 215 $28,065,000 $130,535 $1,618 4.44%
    39% 212 $25,790,000 $121,651 $1,793 4.61%
    36% 193 $24,065,000 $124,689 $1,936 4.62%
    37% 180 $23,610,000 $131,167 $2,242 4.67%
    43% 106 $18,340,000 $173,019 $2,788 4.44%
    45% 79 $20,245,000 $256,266 $2,905 4.49%
    47% 76 $17,270,000 $227,237 $3,037 4.54%
    44% 73 $15,905,000 $217,877 $2,810 4.61%
    46% 71 $15,735,000 $221,620 $3,028 4.64%
    49% 71 $13,565,000 $191,056 $2,844 4.65%
    48% 59 $12,795,000 $216,864 $3,229 4.63%
    50-60% 31 $6,145,000 $198,226 $928 5.13%
    >60% 25 $2,955,000 $118,200 $191 5.50%

    Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 1,574 originations. The next most common DTI ratio? 30-36%, with 1,055 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,975 $674,495,000 $135,577 $1,955 4.57%
    Not applicable 322 $211,920,000 $658,137 $0 5.43%
    Not provided 764 $143,310,000 $187,579 $2,473 4.38%
    Asian 86 $16,690,000 $194,070 $2,251 4.34%
    Black 142 $14,690,000 $103,451 $2,146 4.75%
    American Indian 26 $2,490,000 $95,769 $1,089 4.50%
    Vietnamese 1 $315,000 $315,000 $2,622 4.13%
    Other Asian 1 $305,000 $305,000 $0 2.99%
    Asian Indian 1 $205,000 $205,000 $0 2.99%
    Filipino 2 $130,000 $65,000 $0 4.37%
    Other Pacific Islander 3 $85,000 $28,333 $0 5.60%
    Native Hawaiian or Islander 1 $35,000 $35,000 $0 2.99%

    Approval Rates

    Total approvals of all applications
    79.04%

    Commerce Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    77.09%

    Commerce Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,324 $1,064,670,000 $168,354

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 100 $149,800,000 $1,498,000
    Single Family (1-4 Units):Manufactured 7 $455,000 $65,000
    Single Family (1-4 Units):Site-Built 6,217 $914,415,000 $147,083

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,194 $112,410,000 $94,146 $685 4.60%
    40-60% 679 $174,155,000 $256,487 $2,066 4.57%
    60-80% 1,340 $416,060,000 $310,493 $2,681 4.58%
    80-100% 1,236 $264,350,000 $213,875 $2,924 4.64%
    Over 100% 19 $3,535,000 $186,053 $7,742 4.79%
    Under 20% 1,796 $74,950,000 $41,732 $43 4.53%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    COMMERCE BANK VA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Commerce Bank 1 Liberty Bell Cir Liberty, MO 64068 Full Service B&M $104,524
    Commerce Bank 1 S Engelwood Dr Metamora, IL 61548 Full Service B&M $67,697
    Commerce Bank 100 N Main St Hannibal, MO 63401 Full Service B&M $83,251
    Commerce Bank 100 S Broadway St Pittsburg, KS 66762 Full Service B&M $83,267
    Commerce Bank 1000 Walnut Street Kansas City, MO 64106 Full Service B&M $2,747,011
    Commerce Bank 1001 N.W. 63rd Street Oklahoma City, OK 73116 Full Service B&M $281,660
    Commerce Bank 1001 Ne Chipman Rd Lees Summit, MO 64081 Full Service B&M $79,726
    Commerce Bank 10010 Watson Rd Saint Louis, MO 63126 Full Service B&M $78,266
    Commerce Bank 1005 E Liberty St Mexico, MO 65265 Limited, Drive-thru $13,441
    Commerce Bank 101 E Elm St O Fallon, MO 63366 Full Service B&M $87,082
    Commerce Bank 1015 W 23rd St Lawrence, KS 66046 Full Service Retail $27,034
    Commerce Bank 1015 Windsor Champaign, IL 61821 Full Service B&M $30,746
    Commerce Bank 10185 Gravois Affton, MO 63123 Full Service B&M $150,524
    Commerce Bank 102 N 6th St Roanoke, IL 61561 Full Service B&M $22,893
    Commerce Bank 104 Broadway Normal, IL 61761 Full Service B&M $37,832
    Commerce Bank 10429 Clayton Rd. Frontenac, MO 63131 Full Service B&M $164,902
    Commerce Bank 1090 Schnucks Woodsmill Plz Chesterfield, MO 63017 Full Service B&M $176,945
    Commerce Bank 110 N 5th St Pekin, IL 61554 Full Service B&M $0
    Commerce Bank 110 Nw Barry Road Kansas City, MO 64155 Full Service B&M $146,771
    Commerce Bank 1100 West Pine St Poplar Bluff, MO 63901 Limited, Drive-thru $90,413
    Commerce Bank 11000 Shawnee Mission Pky Shawnee, KS 66203 Limited, Drive-thru $112,292
    Commerce Bank 228 W Main St Lexington, IL 61753 Full Service B&M $35,674
    Commerce Bank 1101 1st Capitol Dr Saint Charles, MO 63301 Full Service B&M $149,599
    Commerce Bank 1102 Bradley St Festus, MO 63028 Full Service B&M $167,995
    Commerce Bank 11080 Oakmont St. Overland Park, KS 66210 Full Service B&M $66,675
    Commerce Bank 111 4h Rd Lansing, KS 66043 Full Service B&M $16,752
    Commerce Bank 1111 North Fleming Street Garden City, KS 67846 Full Service B&M $213,708
    Commerce Bank 1125 Charlotte Street Kansas City, MO 64106 Full Service B&M $51,617
    Commerce Bank 11405 Nall Ave Leawood, KS 66211 Full Service B&M $249,397
    Commerce Bank 118 W 47th St Kansas City, MO 64112 Full Service B&M $423,531
    Commerce Bank 11900 South Strang Line Road Olathe, KS 66062 Full Service B&M $55,814
    Commerce Bank 11901 Manchester Rd Saint Louis, MO 63131 Full Service B&M $111,949
    Commerce Bank 1220 E Brown School Rd Columbia, MO 65202 Full Service B&M $23,039
    Commerce Bank 12275 Olive Blvd Creve Coeur, MO 63141 Full Service B&M $121,372
    Commerce Bank 12280 W 135th St Overland Park, KS 66221 Full Service B&M $70,961
    Commerce Bank 1250 S Woodlawn Blvd Wichita, KS 67218 Full Service B&M $37,697
    Commerce Bank 12633 Dorsett Rd Maryland Heights, MO 63043 Full Service B&M $138,621
    Commerce Bank 12671 Antioch Rd Overland Park, KS 66213 Full Service B&M $39,058
    Commerce Bank 12829 South Highway 71 Grandview, MO 64030 Full Service B&M $47,417
    Commerce Bank 12856 Tesson Ferry Rd Saint Louis, MO 63128 Full Service B&M $59,380
    Commerce Bank 1301 Jayhawk Blvd Lawrence, KS 66045 Full Service Retail $15,590
    Commerce Bank 1301 Locust St Harrisonville, MO 64701 Full Service B&M $115,475
    Commerce Bank 1311 S Madison St Webb City, MO 64870 Full Service B&M $21,753
    Commerce Bank 1339 E Empire St Bloomington, IL 61701 Full Service B&M $413,808
    Commerce Bank 13441 State Line Rd Kansas City, MO 64145 Full Service B&M $123,218
    Commerce Bank 1345 E Battlefield St Springfield, MO 65804 Full Service B&M $660,239
    Commerce Bank 13501 Shawnee Mission Parkway Shawnee, KS 66216 Full Service B&M $120,019
    Commerce Bank 137 W Maple St Columbus, KS 66725 Full Service B&M $43,703
    Commerce Bank 1415 N. Morley St Moberly, MO 65270 Full Service B&M $54,031
    Commerce Bank 14317 Manchester Rd Manchester, MO 63011 Full Service B&M $83,397
    Commerce Bank 1460 South Jefferson Avenue Lebanon, MO 65536 Full Service B&M $122,041
    Commerce Bank 1500 E College Ave Normal, IL 61761 Full Service B&M $92,558
    Commerce Bank 1500 Wakarusa Dr Lawrence, KS 66047 Full Service B&M $79,611
    Commerce Bank 15305 E Colfax Ave Aurora, CO 80011 Full Service B&M $125,837
    Commerce Bank 1551 N Waterfront Pkwy Wichita, KS 67206 Full Service B&M $460,929
    Commerce Bank 15910 S Murlen Rd Olathe, KS 66062 Full Service B&M $71,859
    Commerce Bank 160 South Broadview St Cape Girardeau, MO 63703 Full Service B&M $50,140
    Commerce Bank 1626 Pattern Dr Saint Louis, MO 63138 Full Service B&M $32,552
    Commerce Bank 232 S Osage Ave Tipton, MO 65081 Full Service B&M $45,254
    Commerce Bank 16303 Truman Rd Ellisville, MO 63011 Full Service B&M $98,047
    Commerce Bank 16650 W 135th St Olathe, KS 66062 Full Service B&M $59,780
    Commerce Bank 1695 W Jackson St Ozark, MO 65721 Full Service B&M $38,562
    Commerce Bank 1699 Clarkson Rd Chesterfield, MO 63017 Full Service B&M $166,423
    Commerce Bank 17601 East 24 Highway Independence, MO 64056 Full Service B&M $54,099
    Commerce Bank 1800 Cape La Croix Rd Cape Girardeau, MO 63701 Full Service B&M $18,920
    Commerce Bank 1804 East 20th Street Joplin, MO 64804 Limited, Drive-thru $0
    Commerce Bank 1820 East 20th Street Joplin, MO 64804 Full Service B&M $112,661
    Commerce Bank 1845 Fairmount St Wichita, KS 67260 Full Service B&M $4,578
    Commerce Bank 18700 E 39th St Independence, MO 64055 Full Service B&M $214,551
    Commerce Bank 1889 N Highway Cc Nixa, MO 65714 Full Service B&M $44,852
    Commerce Bank 1906 West 43rd Street Kansas City, KS 66103 Full Service B&M $54,785
    Commerce Bank 1994 Wentzville Pkwy Wentzville, MO 63385 Full Service B&M $162,297
    Commerce Bank 200 E. Fifth St. Eureka, MO 63025 Full Service B&M $38,704
    Commerce Bank 2000 Bernadette Dr Columbia, MO 65203 Full Service B&M $72,339
    Commerce Bank 2012 Court Street Pekin, IL 61554 Full Service B&M $43,337
    Commerce Bank 2025 E Jackson Blvd Jackson, MO 63755 Full Service B&M $21,449
    Commerce Bank 203 W Jackson St Willard, MO 65781 Full Service B&M $43,014
    Commerce Bank 2054 Utica Sq Tulsa, OK 74114 Full Service B&M $14,318
    Commerce Bank 209 E Main St California, MO 65018 Full Service B&M $46,086
    Commerce Bank 211 N Broadway Saint Louis, MO 63102 Full Service B&M $60,507
    Commerce Bank 211 S Main Street Joplin, MO 64801 Full Service B&M $83,575
    Commerce Bank 21800 Midland Drive Shawnee, KS 66218 Full Service B&M $132,421
    Commerce Bank 2200 Vine St Hays, KS 67601 Full Service B&M $167,967
    Commerce Bank 224 W Commercial St Lebanon, MO 65536 Limited, Drive-thru $0
    Commerce Bank 2333 E 21st St N Wichita, KS 67214 Full Service B&M $7,074
    Commerce Bank 2370 S Springfield Ave Bolivar, MO 65613 Full Service B&M $88,256
    Commerce Bank 2496 Troy Rd Edwardsville, IL 62025 Full Service B&M $13,318
    Commerce Bank 2609 E Broadway Ste 101 Columbia, MO 65201 Full Service B&M $30,654
    Commerce Bank 2609 N Knoxville Ave Peoria, IL 61604 Full Service B&M $41,607
    Commerce Bank 2616 N Kansas Expy Springfield, MO 65803 Full Service B&M $76,103
    Commerce Bank 2700 S Saint Peters Pkwy Saint Peters, MO 63303 Full Service B&M $118,915
    Commerce Bank 2740 Claflin Rd Manhattan, KS 66502 Full Service B&M $60,144
    Commerce Bank 2770 W Republic Rd Springfield, MO 65807 Full Service B&M $58,980
    Commerce Bank 2830 S 4th Street Leavenworth, KS 66048 Full Service B&M $99,988
    Commerce Bank 2900 N Highway 67 Florissant, MO 63033 Full Service B&M $74,303
    Commerce Bank 2913 Highway K O Fallon, MO 63366 Full Service B&M $118,723
    Commerce Bank 2915 S Noland Rd Independence, MO 64055 Full Service B&M $121,556
    Commerce Bank 2946 S Clark St Mexico, MO 65265 Full Service B&M $89,881
    Commerce Bank 300 N Kirkwood Rd Kirkwood, MO 63122 Full Service B&M $497,749
    Commerce Bank 3000 W 6th St Lawrence, KS 66049 Full Service Retail $25,602
    Commerce Bank 301 Se M 291 Hwy Lees Summit, MO 64063 Full Service B&M $159,572
    Commerce Bank 310 E Centennial Dr Pittsburg, KS 66762 Full Service Retail $45,500
    Commerce Bank 3100 W Broadway Columbia, MO 65203 Full Service Retail $31,039
    Commerce Bank 3134 S Grand Ave Saint Louis, MO 63118 Full Service B&M $93,691
    Commerce Bank 320 Gravois Rd Fenton, MO 63026 Full Service B&M $225,758
    Commerce Bank 3301 E Sunshine St Springfield, MO 65804 Full Service B&M $84,100
    Commerce Bank 3303 Ashland Ave Saint Joseph, MO 64506 Full Service B&M $96,918
    Commerce Bank 3606 Frederick Avenue Saint Joseph, MO 64506 Full Service B&M $178,878
    Commerce Bank 3709 Sandman Ln Columbia, MO 65201 Full Service B&M $275,412
    Commerce Bank 4006 W 83rd St Prairie Village, KS 66208 Full Service Retail $150,075
    Commerce Bank 4018 Rainbow Boulevard #20 Kansas City, KS 66103 Limited, Drive-thru $27,121
    Commerce Bank 4100 Rusty Rd Saint Louis, MO 63128 Full Service B&M $54,078
    Commerce Bank 416 Main St Peoria, IL 61602 Full Service B&M $229,304
    Commerce Bank 435 Mid Rivers Mall Dr Saint Peters, MO 63376 Full Service B&M $113,906
    Commerce Bank 4400 Green Mount Crossing Dr Shiloh, IL 62269 Full Service B&M $29,917
    Commerce Bank 4401 Natural Bridge Ave Saint Louis, MO 63115 Full Service B&M $24,356
    Commerce Bank 442 South De Mazenod Drive Belleville, IL 62223 Full Service B&M $0
    Commerce Bank 456 N Main St Wichita, KS 67202 Full Service B&M $53,470
    Commerce Bank 4700 Johnson Drive Roeland Park, KS 66205 Full Service B&M $51,891
    Commerce Bank 4th And Felix Streets St. Joseph, MO 64501 Full Service B&M $98,642
    Commerce Bank 500 W Main St Branson, MO 65616 Full Service Retail $34,448
    Commerce Bank 501 E Broadway Columbia, MO 65201 Full Service B&M $29,879
    Commerce Bank 503 N Hwy 7 Blue Springs, MO 64015 Full Service B&M $130,632
    Commerce Bank 512 N 7th St Garden City, KS 67846 Limited, Drive-thru $12,991
    Commerce Bank 5314 South Yale, Suite 100 Tulsa, OK 74135 Full Service B&M $181,313
    Commerce Bank 5630 Telegraph Rd Saint Louis, MO 63129 Full Service B&M $109,258
    Commerce Bank 5701 W Main St Belleville, IL 62226 Full Service B&M $146,048
    Commerce Bank 5801 Nw Barry Road Kansas City, MO 64154 Full Service B&M $66,614
    Commerce Bank 600 N Rock Rd Derby, KS 67037 Full Service B&M $38,829
    Commerce Bank 605 Us Highway 60 E Republic, MO 65738 Full Service B&M $54,448
    Commerce Bank 6100 Troost Avenue Kansas City, MO 64110 Full Service B&M $22,249
    Commerce Bank 6130 E 81st St Tulsa, OK 74137 Full Service B&M $0
    Commerce Bank 825 N Main St Hutchinson, KS 67501 Full Service B&M $62,124
    Commerce Bank 614 N Glenstone Ave Springfield, MO 65802 Full Service B&M $67,282
    Commerce Bank 625 W Central El Dorado, KS 67042 Full Service B&M $92,970
    Commerce Bank 6271 Mid Rivers Mall Dr Saint Charles, MO 63304 Full Service B&M $134,998
    Commerce Bank 6305 W. 135th St. Overland Park, KS 66223 Full Service B&M $174,856
    Commerce Bank 6327 Chippewa St Saint Louis, MO 63109 Full Service B&M $111,929
    Commerce Bank 6334 Ne Antioch Rd Gladstone, MO 64119 Full Service B&M $83,035
    Commerce Bank 6336 Brookside Plz Kansas City, MO 64113 Limited, Drive-thru $170,891
    Commerce Bank 6383 Clayton Rd Saint Louis, MO 63117 Full Service B&M $102,139
    Commerce Bank 6424 E 13th St N Wichita, KS 67206 Full Service B&M $68,310
    Commerce Bank 6630 Delmar Blvd University City, MO 63130 Full Service B&M $106,526
    Commerce Bank 6655 Martway St Mission, KS 66202 Full Service Retail $0
    Commerce Bank 6705 Blue Ridge Blvd Raytown, MO 64133 Full Service B&M $54,294
    Commerce Bank 701 Broadway Hannibal, MO 63401 Limited, Drive-thru $8,707
    Commerce Bank 701 South Laclede Station Road Webster Groves, MO 63119 Full Service B&M $1,708
    Commerce Bank 715 Main St Cassville, MO 65625 Full Service B&M $54,804
    Commerce Bank 727 Poyntz Ave Manhattan, KS 66502 Full Service B&M $166,336
    Commerce Bank 7400 N Orange Prairie Rd Peoria, IL 61615 Full Service B&M $35,300
    Commerce Bank 750 Ne Woods Chapel Rd Lees Summit, MO 64064 Full Service B&M $94,531
    Commerce Bank 7910 Clayton Rd Richmond Heights, MO 63117 Full Service B&M $112,461
    Commerce Bank 8000 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $1,692,137
    Commerce Bank 8045 Big Bend Blvd Webster Groves, MO 63119 Full Service B&M $148,632
    Commerce Bank 809 Sw M 150 Highway Lees Summit, MO 64082 Full Service B&M $55,361
    Commerce Bank 8190 N Lindbergh Blvd Florissant, MO 63031 Full Service B&M $116,645
    Commerce Bank 8200 E 171st St Belton, MO 64012 Full Service B&M $82,319
    Commerce Bank 8450 East Crescent Parkway, Suite 150 Englewood, CO 80111 Full Service B&M $39,118
    Commerce Bank 858 Meramec Station Rd Valley Park, MO 63088 Full Service B&M $80,619
    Commerce Bank 8615 N Knoxville Ave Peoria, IL 61615 Full Service B&M $66,951
    Commerce Bank 8700 Monrovia St Lenexa, KS 66215 Full Service B&M $197,746
    Commerce Bank 8878 W 21st St N Wichita, KS 67205 Full Service B&M $89,908
    Commerce Bank 89 Main St Cassville, MO 65625 Full Service B&M $1,645
    Commerce Bank 9001 State Line Rd Kansas City, MO 64114 Full Service B&M $112,052
    Commerce Bank 901 E Broadway Columbia, MO 65201 Full Service B&M $49,905
    Commerce Bank 901 S National Ave Springfield, MO 65804 Full Service B&M $13,612
    Commerce Bank 901 South Vandeventer Avenue Saint Louis, MO 63110 Full Service B&M $45,919
    Commerce Bank 901b Richardson Drive Ashland, MO 65010 Full Service B&M $0
    Commerce Bank 9155 Nw 45 Hwy Parkville, MO 64152 Full Service B&M $75,854
    Commerce Bank 9239 Ne Hwy 152 Kansas City, MO 64158 Full Service B&M $64,919
    Commerce Bank 9501 Antioch Road Overland Park, KS 66212 Full Service B&M $50,373
    Commerce Bank 955 Iowa St Lawrence, KS 66044 Full Service B&M $75,182
    Commerce Bank 956 Jeffco Blvd Arnold, MO 63010 Full Service B&M $86,694
    Commerce Bank 9620 E 21st St N Wichita, KS 67226 Full Service B&M $56,440
    Commerce Bank 9850 Saint Charles Rock Rd Saint Ann, MO 63074 Full Service B&M $71,554
    Commerce Bank 995 Columbia Centre Columbia, IL 62236 Full Service B&M $40,431
    Commerce Bank North 17th And Anderson Avenue Manhattan, KS 66502 Full Service B&M $19,899

    For 2018, Commerce Bank had 177 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $872,004
    Net interest income $805,456
    Total noninterest income $503,712
    Gross Fiduciary activities income $142,886
    Service charges on deposit accounts $94,516
    Trading account gains and fees $11,340
    Additional Noninterest Income $254,970
    Pre-tax net operating income $533,365
    Securities gains (or losses, -) $-9,697
    Income before extraordinary items $418,804
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $418,804
    Minority interest net income $26
    Net income $418,778
    Sale, conversion, retirement of capital stock, net $8,594
    Net operating income $426,561

    Commerce Bank's gross interest income from loans was $872,004,000.
    Commerce Bank's net interest income from loans was $805,456,000.
    Commerce Bank's fee based income from loans was $94,516,000.
    Commerce Bank's net income from loans was $418,778,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $66,548
    Provision for credit losses $42,694
    Total noninterest expense $733,109
    Salaries and employee benefits $433,621
    Premises and equipment expense $65,095
    Additional noninterest expense $234,393
    Applicable income taxes $104,864
    Net charge-offs $42,294
    Cash dividends $200,000

    Commerce Bank's interest expense for loans was $66,548,000.
    Commerce Bank's payroll and benefits expense were $433,621,000.
    Commerce Bank's property, plant and equipment expenses $65,095,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $20,550,471
    Deposits held in domestic offices $20,550,471
    Deposits by Individuals, partnerships, and corporations $19,067,747
    Deposits by U.S. Government $220
    Deposits by States and political subdivisions in the U.S. $1,435,752
    Deposits by Commercial banks and other depository institutions in U.S. $46,682
    Deposits by Banks in foreign countries $70
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $4,550,729
    Demand deposits $3,295,165
    Nontransaction accounts $15,999,742
    Money market deposit accounts (MMDAs) $13,472,269
    Other savings deposits (excluding MMDAs) $869,351
    Total time deposits $1,658,122
    Total time and savings deposits $17,255,306
    Noninterest-bearing deposits $7,207,110
    Interest-bearing deposits $13,343,361
    Retail deposits $19,663,789
    IRAs and Keogh plan accounts $217,384
    Brokered deposits $63,879
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $25,383,765
    Cash & Balances due from depository institutions $1,224,845
    Interest-bearing balances $689,966
    Total securities $8,531,648
    Federal funds sold & reverse repurchase $703,320
    Net loans and leases $14,001,054
    Loan and leases loss allowance $159,932
    Trading account assets $27,079
    Bank premises and fixed assets $328,415
    Other real estate owned $5,437
    Goodwill and other intangibles $147,715
    All other assets $414,252

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $25,383,765
    Total Liabilities $22,795,776
    Total deposits $20,550,471
    Interest-bearing deposits $13,343,361
    Deposits held in domestic offices $20,550,471
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $1,956,390
    Trading liabilities $7,759
    Other borrowed funds $50,997
    Subordinated debt $0
    All other liabilities $230,159

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $14,001,054
    Loan and leases loss allowance $159,932
    Total loans and leases (domestic) $14,160,986
    All real estate loans $6,536,255
    Real estate loans in domestic offices $6,536,255
    Construction and development loans $863,649
    Residential 1-4 family construction $123,369
    Other construction, all land development and other land $740,280
    Loans secured by nonfarm nonresidential properties $2,305,047
    Nonfarm nonresidential secured by owner-occupied properties $1,026,653
    Commercial real estate & other non-farm, non-residential $1,278,394
    Multifamily residential real estate $408,151
    1-4 family residential loans $2,796,969
    Farmland loans $162,439
    Loans held in foreign offices $0
    Farm loans $132,723
    Commercial and industrial loans $3,030,011
    To non-U.S. addressees $0
    Loans to individuals $2,494,669
    Credit card loans $814,134
    Related Plans $552,073
    Consumer Auto Loans $910,478
    Other loans to individuals $217,984
    All other loans & leases $1,967,328
    Loans to foreign governments and official institutions $0
    Other loans $398,698
    Loans to depository institutions and acceptances of other banks $29,393
    Loans not secured by real estate $87,353
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $64,066
    Non 1-4 family restructured loans & leases $57,982
    Total loans and leases (foreign) $0

    Commerce Bank had $14,001,054,000 of loans outstanding in 2018. $6,536,255,000 of loans were in real estate loans. $863,649,000 of loans were in development loans. $408,151,000 of loans were in multifamily mortgage loans. $2,796,969,000 of loans were in 1-4 family mortgage loans. $132,723,000 of loans were in farm loans. $814,134,000 of loans were in credit card loans. $910,478,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,714 $377,210 $220,076
    Nonfarm, nonresidential loans - <$100k 324 $12,705 $39,213
    Nonfarm, nonresidential loans - $100-250k 568 $68,183 $120,040
    Nonfarm, nonresidential loans - $250k-1MM 822 $296,322 $360,489
    Commercial & Industrial, US addressed loans - <$1MM 16,863 $481,917 $28,578
    Commercial & Industrial, US addressed loans - <$100k 14,676 $112,428 $7,661
    Commercial & Industrial, US addressed loans - $100-250k 1,223 $101,424 $82,930
    Commercial & Industrial, US addressed loans - $250k-1MM 964 $268,065 $278,076
    Farmland loans - <$1MM 806 $99,141 $123,004
    Farmland loans - <$100k 326 $14,684 $45,043
    Farmland loans - $100-250k 336 $42,526 $126,565
    Farmland loans - $250k-1MM 144 $41,931 $291,188
    Agriculture operations loans - <$1MM 1,495 $68,887 $46,078
    Agriculture operations loans - <$100k 1,216 $26,496 $21,789
    Agriculture operations loans - $100-250k 206 $24,666 $119,738
    Agriculture operations loans - $250k-1MM 73 $17,725 $242,808