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

Review & Overview

Commerce Bank is a small bank specializing in Refi, Home Purchase, and Cash Out 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, Springfield, and Wichita among others. We have data for 150 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.

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%	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

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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

7,087

Origination Dollar Volume (All Markets)

$1,867,535,000

Employee count

4,455

Awards

Commerce Bank 30 Year Conventional Loans bronze

Commerce Bank 30 Year Conventional Loans silver

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
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2,381	$552,535,000	$232,060	$2,191	3.44%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1,628	$358,080,000	$219,951	$2,111	3.56%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	460	$225,360,000	$489,913	$3,703	3.36%
SPRINGFIELD, MO (FHA\|USDA\|VA)	323	$66,375,000	$205,495	$2,078	3.66%
WICHITA, KS (FHA\|USDA\|VA)	250	$49,820,000	$199,280	$2,326	3.56%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	76	$45,710,000	$601,447	$5,662	3.18%
Outside of Metro Areas	233	$45,645,000	$195,901	$2,513	3.65%
COLUMBIA, MO (FHA\|USDA\|VA)	175	$37,395,000	$213,686	$2,026	3.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	47	$29,125,000	$619,681	$5,720	3.10%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	51	$27,185,000	$533,039	$3,790	2.89%
TULSA, OK (FHA\|USDA\|VA)	58	$23,880,000	$411,724	$5,152	3.66%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	179	$23,125,000	$129,190	$1,870	3.78%
BOULDER, CO (FHA\|USDA\|VA)	29	$20,475,000	$706,034	$3,844	3.15%
PEORIA, IL (FHA\|USDA\|VA)	110	$17,070,000	$155,182	$1,526	3.81%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	24	$15,260,000	$635,833	$5,452	3.27%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	9	$14,695,000	$1,632,778	$9,323	2.76%
BLOOMINGTON, IL (FHA\|USDA\|VA)	66	$14,160,000	$214,545	$1,659	3.60%
FORT COLLINS, CO (FHA\|USDA\|VA)	23	$12,405,000	$539,348	$3,525	3.20%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	15	$12,165,000	$811,000	$5,798	3.06%
MANHATTAN, KS (FHA\|USDA\|VA)	59	$11,975,000	$202,966	$2,442	3.56%
Breckenridge, CO (FHA\|USDA\|VA)	16	$11,500,000	$718,750	$4,647	3.06%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	18	$11,500,000	$638,889	$1,936	3.39%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	6	$11,050,000	$1,841,667	$7,792	2.96%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	8	$10,490,000	$1,311,250	$4,689	3.44%
JOPLIN, MO (FHA\|USDA\|VA)	69	$9,385,000	$136,014	$2,327	3.80%
Edwards, CO (FHA\|USDA\|VA)	13	$9,345,000	$718,846	$3,399	3.01%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	72	$8,870,000	$123,194	$2,423	3.74%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	13	$8,515,000	$655,000	$3,375	2.96%
Heber, UT (FHA\|USDA\|VA)	3	$8,375,000	$2,791,667	$6,962	2.96%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	64	$8,330,000	$130,156	$2,086	3.78%
LAWRENCE, KS (FHA\|USDA\|VA)	47	$8,265,000	$175,851	$2,044	3.47%
SANTA FE, NM (FHA\|USDA\|VA)	2	$7,580,000	$3,790,000	$5,544	2.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	12	$7,360,000	$613,333	$5,292	3.34%
Mexico, MO (FHA\|USDA\|VA)	55	$6,815,000	$123,909	$2,515	4.11%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$5,905,000	$1,968,333	$6,794	3.04%
Hannibal, MO (FHA\|USDA\|VA)	29	$5,265,000	$181,552	$1,169	3.88%
Pittsburg, KS (FHA\|USDA\|VA)	43	$5,155,000	$119,884	$1,968	3.89%
Durango, CO (FHA\|USDA\|VA)	9	$4,995,000	$555,000	$3,218	3.03%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	17	$4,955,000	$291,471	$4,495	3.61%
GREELEY, CO (FHA\|USDA\|VA)	8	$4,650,000	$581,250	$10,430	3.09%
Moberly, MO (FHA\|USDA\|VA)	51	$4,415,000	$86,569	$1,449	4.26%
Lebanon, MO (FHA\|USDA\|VA)	29	$3,935,000	$135,690	$1,962	3.62%
Steamboat Springs, CO (FHA\|USDA\|VA)	6	$3,660,000	$610,000	$3,345	3.04%
NAPA, CA (FHA\|USDA\|VA)	1	$3,505,000	$3,505,000	$5,409	3.25%
Sikeston, MO (FHA\|USDA\|VA)	13	$3,215,000	$247,308	$2,858	3.59%
Traverse City, MI (FHA\|USDA\|VA)	3	$3,205,000	$1,068,333	$3,631	2.92%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	4	$3,030,000	$757,500	$5,389	2.97%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	3	$2,905,000	$968,333	$13,277	2.54%
Poplar Bluff, MO (FHA\|USDA\|VA)	24	$2,880,000	$120,000	$2,014	3.78%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	5	$2,865,000	$573,000	$3,708	3.05%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	4	$2,500,000	$625,000	$3,433	2.81%
Branson, MO (FHA\|USDA\|VA)	17	$2,345,000	$137,941	$2,177	3.64%
Hays, KS (FHA\|USDA\|VA)	17	$2,335,000	$137,353	$2,813	3.57%
TOPEKA, KS (FHA\|USDA\|VA)	15	$2,265,000	$151,000	$2,713	3.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	4	$2,220,000	$555,000	$3,468	3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	4	$2,020,000	$505,000	$4,387	3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	3	$1,755,000	$585,000	$4,565	3.13%
Garden City, KS (FHA\|USDA\|VA)	16	$1,710,000	$106,875	$1,472	3.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	2	$1,700,000	$850,000	$7,098	2.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$1,600,000	$800,000	$4,405	3.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$1,520,000	$760,000	$4,237	3.00%
Glenwood Springs, CO (FHA\|USDA\|VA)	3	$1,515,000	$505,000	$3,949	2.96%
Hutchinson, KS (FHA\|USDA\|VA)	11	$1,505,000	$136,818	$1,389	4.16%
Mineral Wells, TX (FHA\|USDA\|VA)	2	$1,450,000	$725,000	$7,302	3.25%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	2	$1,420,000	$710,000	$5,998	3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$1,365,000	$1,365,000	$0	3.25%
PROVO-OREM, UT (FHA\|USDA\|VA)	2	$1,350,000	$675,000	$3,688	3.31%
PUEBLO, CO (FHA\|USDA\|VA)	3	$1,305,000	$435,000	$2,562	2.96%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$1,300,000	$650,000	$4,765	2.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$1,295,000	$431,667	$3,783	2.96%
Holland, MI (FHA\|USDA\|VA)	1	$1,295,000	$1,295,000	$5,065	2.63%
Farmington, MO (FHA\|USDA\|VA)	11	$1,235,000	$112,273	$1,607	3.75%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$1,200,000	$300,000	$4,160	2.78%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$1,195,000	$1,195,000	$0	2.50%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	2	$1,120,000	$560,000	$3,110	3.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	2	$1,070,000	$535,000	$3,865	3.06%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	3	$1,035,000	$345,000	$6,996	3.33%
Brenham, TX (FHA\|USDA\|VA)	1	$985,000	$985,000	$9,499	3.13%
Oxford, MS (FHA\|USDA\|VA)	1	$945,000	$945,000	$5,677	2.75%
MIDLAND, TX (FHA\|USDA\|VA)	1	$915,000	$915,000	$8,899	3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	2	$860,000	$430,000	$2,849	3.37%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$845,000	$845,000	$5,954	3.50%
Warrensburg, MO (FHA\|USDA\|VA)	5	$825,000	$165,000	$1,933	3.98%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$795,000	$795,000	$5,062	2.63%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$775,000	$775,000	$4,120	3.25%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$770,000	$385,000	$2,233	3.06%
Quincy, IL-MO (FHA\|USDA\|VA)	3	$755,000	$251,667	$2,745	3.33%
Athens, TX (FHA\|USDA\|VA)	1	$755,000	$755,000	$4,800	3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$695,000	$695,000	$3,352	3.38%
Dodge City, KS (FHA\|USDA\|VA)	2	$690,000	$345,000	$0	4.13%
Kerrville, TX (FHA\|USDA\|VA)	1	$685,000	$685,000	$6,096	3.13%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	1	$675,000	$675,000	$6,906	3.00%
Galesburg, IL (FHA\|USDA\|VA)	2	$650,000	$325,000	$2,749	3.13%
WACO, TX (FHA\|USDA\|VA)	1	$645,000	$645,000	$7,328	3.50%
SPRINGFIELD, IL (FHA\|USDA\|VA)	1	$645,000	$645,000	$2,735	2.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,074	2.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$625,000	$625,000	$6,456	3.13%
Ottawa, KS (FHA\|USDA\|VA)	5	$585,000	$117,000	$2,316	3.72%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$575,000	$575,000	$3,458	2.75%
SPRINGFIELD, MA (FHA\|USDA\|VA)	1	$565,000	$565,000	$0	3.25%
Effingham, IL (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,505	3.25%
Kirksville, MO (FHA\|USDA\|VA)	3	$545,000	$181,667	$2,423	3.17%
Kapaa, HI (FHA\|USDA\|VA)	1	$545,000	$545,000	$3,929	4.00%
Bozeman, MT (FHA\|USDA\|VA)	1	$535,000	$535,000	$4,526	3.38%
SAN ANGELO, TX (FHA\|USDA\|VA)	1	$505,000	$505,000	$5,503	3.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	2	$500,000	$250,000	$2,114	3.19%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1	$495,000	$495,000	$4,876	2.88%
Sedalia, MO (FHA\|USDA\|VA)	3	$495,000	$165,000	$2,103	4.08%
Salina, KS (FHA\|USDA\|VA)	2	$490,000	$245,000	$3,444	3.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$485,000	$161,667	$2,772	4.08%
BEND, OR (FHA\|USDA\|VA)	1	$425,000	$425,000	$4,329	2.38%
Rolla, MO (FHA\|USDA\|VA)	3	$405,000	$135,000	$2,343	4.00%
Hilo, HI (FHA\|USDA\|VA)	1	$405,000	$405,000	$2,034	2.63%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$385,000	$385,000	$3,564	3.75%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	2	$380,000	$190,000	$2,742	3.38%
SALEM, OR (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,299	2.63%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,345	3.00%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,943	3.75%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	3	$325,000	$108,333	$1,883	3.54%
Key West, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,585	2.63%
Marshall, MO (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,435	2.75%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,329	2.25%
CASPER, WY (FHA\|USDA\|VA)	1	$295,000	$295,000	$2,071	2.50%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,802	2.00%
MUSKEGON, MI (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	3.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,640	3.25%
Red Wing, MN (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,238	2.75%
Atchison, KS (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,776	3.31%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	3.38%
Winfield, KS (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,809	3.63%
Maryville, MO (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,239	3.13%
Muskogee, OK (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.25%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,544	3.38%
Cañon City, CO (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,200	2.75%
DECATUR, IL (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,365	3.50%
Jacksonville, IL (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,073	3.50%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,894	3.75%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,128	4.00%
Miami, OK (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.65%
IOWA CITY, IA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.25%
Mount Vernon, IL (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,565	4.38%
Great Bend, KS (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,543	3.63%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,604	3.88%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,441	4.13%
Emporia, KS (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,465	3.88%
Taos, NM (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	3.25%
DANVILLE, IL (FHA\|USDA\|VA)	1	$45,000	$45,000	$2,085	4.50%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	4.65%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	2.99%
Parsons, KS (FHA\|USDA\|VA)	1	$5,000	$5,000	$0	2.99%

Commerce Bank's top markets include Kansas City, St. Louis, Denver, Springfield, and Wichita among others.

Their top states include:

Missouri (FHA|USDA|VA)

Kansas (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Illinois (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.

The Farmers State Bank of Westmoreland
Similarity Rank: 56

KANSAS STATE UNIVERSITY Federal Credit Union
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First Midwest Bank of Dexter
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Bank of the Flint Hills
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ESB Financial
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SKYWARD
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United Bank of Union
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Glenview State Bank
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Liberty Bank for Savings
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	5,320	$1,635,720,000	$307,466	$2,423	3.58%
HELOC	1,527	$185,475,000	$121,464	n/a	3.26%
FHA	139	$21,565,000	$155,144	$4,526	3.69%
VA	70	$20,610,000	$294,429	$5,190	3.34%
USDA	31	$4,165,000	$134,355	$3,360	3.35%

For 2020, Commerce Bank's most frequently originated type of loan was Conventional, with 5,320 originations. Their 2nd most popular type was HELOC, with 1,527 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	2,322	$751,260,000	$323,540	$2,351	3.48%
Home Purchase	1,769	$554,485,000	$313,445	$3,083	3.48%
Cash Out Refi	1,162	$404,310,000	$347,943	$3,133	3.31%
Home Improvement	969	$65,305,000	$67,394	$186	3.61%
Other	865	$92,175,000	$106,561	$673	3.81%

For 2020, Commerce Bank's most frequently cited loan purpose was Refi, with 2,322 originations. The 2nd most popular reason was Home Purchase, with 1,769 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,728	$949,590,000	$348,090	$3,112	3.40%
10 Year	1,669	$177,235,000	$106,192	$723	3.35%
15 Year	948	$321,780,000	$339,430	$2,667	2.95%
Other	717	$117,855,000	$164,372	$24	4.77%
20 Year	581	$158,475,000	$272,762	$2,744	3.27%
5 Year	325	$69,945,000	$215,215	$0	4.22%
1 Year	96	$69,450,000	$723,438	$0	4.33%
3 Year	23	$3,205,000	$139,348	$0	4.60%

For 2020, Commerce Bank's most frequently cited loan duration was 30 Year, with 2,728 originations. The 2nd most popular length was 10 Year, with 1,669 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	4,260	$1,182,360,000	$277,549
$1k-2k	598	$235,080,000	$393,110
$2k-3k	102	$24,590,000	$241,078
$3k-4k	37	$13,885,000	$375,270
$4k-5k	22	$10,430,000	$474,091
$5k+	22	$14,050,000	$638,636

Commerce Bank's average total fees were $3,112, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,260 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	3,378	$926,750,000	$274,349
2.5-3%	2,200	$705,870,000	$320,850
4-5%	877	$102,875,000	$117,303
5-6%	340	$22,190,000	$65,265
<2.5%	198	$106,500,000	$537,879
6-7%	92	$3,220,000	$35,000
7-8%	2	$130,000	$65,000

During 2020, Commerce Bank's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 3,378 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	2,280	$109,590,000	$48,066	$875	3.98%
$200k-400k	1,747	$485,865,000	$278,114	$2,703	3.25%
$100k-200k	1,733	$256,235,000	$147,856	$2,435	3.48%
$400k-600k	632	$309,720,000	$490,063	$3,324	3.10%
$600k-1MM	529	$391,385,000	$739,858	$4,167	3.07%
$1MM+	166	$314,740,000	$1,896,024	$6,092	3.14%

2020 saw Commerce Bank place emphasis on $100,000 or less loans with 2,280 originations, totaling $109,590,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,304	$255,270,000	$195,759	$2,445	3.48%
$150k-250k	1,220	$388,870,000	$318,746	$2,858	3.27%
$250k+	1,109	$642,975,000	$579,779	$3,539	3.13%
$50k-75k	1,034	$127,900,000	$123,694	$2,114	3.71%
$50k or less	897	$75,115,000	$83,740	$1,751	3.86%
$75k-100k	884	$133,570,000	$151,097	$2,238	3.59%

Commerce Bank lent most frequently to those with incomes in the $100k-150k range, with 1,304 originations. The second most popular income band? $150k-250k, with 1,220 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,925	$498,365,000	$258,891	$2,543	3.38%
30-36%	1,296	$335,060,000	$258,534	$2,612	3.50%
<20%	970	$272,870,000	$281,309	$2,505	3.30%
42%	461	$80,885,000	$175,456	$2,139	3.73%
40%	270	$62,120,000	$230,074	$2,240	3.65%
39%	265	$54,155,000	$204,358	$2,362	3.57%
41%	261	$56,655,000	$217,069	$2,504	3.54%
37%	257	$63,375,000	$246,595	$2,309	3.60%
38%	226	$50,940,000	$225,398	$2,288	3.51%
36%	212	$48,520,000	$228,868	$2,404	3.52%
44%	140	$41,860,000	$299,000	$2,910	3.38%
43%	130	$36,160,000	$278,154	$2,884	3.42%
45%	35	$12,995,000	$371,286	$3,966	3.50%
47%	26	$7,040,000	$270,769	$3,059	3.61%
46%	22	$7,510,000	$341,364	$4,473	3.48%
49%	18	$5,090,000	$282,778	$3,147	3.56%
48%	14	$2,930,000	$209,286	$2,373	3.86%
50-60%	12	$12,780,000	$1,065,000	$4,164	3.27%
>60%	5	$1,165,000	$233,000	$1,640	3.81%

Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 1,925 originations. The next most common DTI ratio? 30-36%, with 1,296 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	5,411	$1,270,545,000	$234,808	$2,450	3.50%
Not provided	922	$323,710,000	$351,095	$3,031	3.39%
Not applicable	355	$188,025,000	$529,648	$0	3.99%
Black	229	$34,225,000	$149,454	$1,972	3.57%
Asian	85	$27,755,000	$326,529	$3,038	3.41%
Asian Indian	22	$7,600,000	$345,455	$2,910	3.30%
American Indian	38	$6,990,000	$183,947	$2,784	3.62%
Other Asian	6	$3,270,000	$545,000	$2,244	3.17%
Chinese	3	$1,565,000	$521,667	$2,683	2.92%
Vietnamese	3	$1,265,000	$421,667	$2,873	3.21%
Japanese	2	$940,000	$470,000	$2,689	3.13%
Other Pacific Islander	5	$785,000	$157,000	$3,525	3.41%
Native Hawaiian or Islander	3	$425,000	$141,667	$1,997	3.12%
Korean	2	$380,000	$190,000	$2,045	3.00%
Filipino	1	$55,000	$55,000	$0	3.25%

Approval Rates

Total approvals of all applications
77.53%

Commerce Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
70.96%

Commerce Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	7,087	$1,867,535,000	$263,516

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	90	$106,060,000	$1,178,444
Single Family (1-4 Units):Manufactured	1	$15,000	$15,000
Single Family (1-4 Units):Site-Built	6,996	$1,761,460,000	$251,781

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	857	$114,005,000	$133,028	$1,301	3.73%
40-60%	989	$312,025,000	$315,495	$2,478	3.37%
60-80%	2,230	$858,210,000	$384,848	$2,858	3.35%
80-100%	1,742	$515,310,000	$295,815	$3,053	3.43%
Over 100%	17	$3,795,000	$223,235	$8,056	3.66%
Under 20%	1,213	$53,595,000	$44,184	$57	3.87%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
COMMERCE BANK	Conventional home mortgage	Closing on a mortgage	2	66.7%
COMMERCE BANK	Home equity loan or line of credit (HELOC)	Trouble during payment process	1	33.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Commerce Bank	1 Liberty Bell Cir Liberty, MO 64068	Full Service B&M	$134,794
Commerce Bank	1 S Engelwood Dr Metamora, IL 61548	Full Service B&M	$86,047
Commerce Bank	100 N Main St Hannibal, MO 63401	Full Service B&M	$110,871
Commerce Bank	100 S Broadway St Pittsburg, KS 66762	Full Service B&M	$135,836
Commerce Bank	1001 Main Street Kansas City, MO 64106	Full Service B&M	$3,565,255
Commerce Bank	1001 N.W. 63rd Street Oklahoma City, OK 73116	Full Service B&M	$0
Commerce Bank	1001 Ne Chipman Rd Lees Summit, MO 64081	Full Service B&M	$86,098
Commerce Bank	10010 Watson Rd Saint Louis, MO 63126	Full Service B&M	$87,578
Commerce Bank	101 E Elm St O Fallon, MO 63366	Full Service B&M	$95,445
Commerce Bank	1015 W 23rd St Lawrence, KS 66046	Full Service Retail	$29,553
Commerce Bank	1015 Windsor Champaign, IL 61821	Full Service B&M	$34,615
Commerce Bank	10185 Gravois Affton, MO 63123	Full Service B&M	$159,914
Commerce Bank	104 Broadway Normal, IL 61761	Full Service B&M	$36,314
Commerce Bank	10429 Clayton Rd. Frontenac, MO 63131	Full Service B&M	$143,640
Commerce Bank	1090 Schnucks Woodsmill Plz Chesterfield, MO 63017	Full Service B&M	$181,822
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	$168,243
Commerce Bank	1100 West Pine St Poplar Bluff, MO 63901	Limited, Drive-thru	$95,642
Commerce Bank	11000 Shawnee Mission Pky Shawnee, KS 66203	Limited, Drive-thru	$124,514
Commerce Bank	1101 1st Capitol Dr Saint Charles, MO 63301	Full Service B&M	$178,359
Commerce Bank	1102 Bradley St Festus, MO 63028	Full Service B&M	$191,193
Commerce Bank	11080 Oakmont St. Overland Park, KS 66210	Full Service B&M	$77,068
Commerce Bank	111 4h Rd Lansing, KS 66043	Full Service B&M	$20,282
Commerce Bank	1111 North Fleming Street Garden City, KS 67846	Full Service B&M	$254,385
Commerce Bank	1125 Charlotte Street Kansas City, MO 64106	Full Service B&M	$62,178
Commerce Bank	11405 Nall Ave Leawood, KS 66211	Full Service B&M	$287,868
Commerce Bank	118 W 47th St Kansas City, MO 64112	Full Service B&M	$437,266
Commerce Bank	11900 South Strang Line Road Olathe, KS 66062	Full Service B&M	$66,649
Commerce Bank	11901 Manchester Rd Saint Louis, MO 63131	Full Service B&M	$120,863
Commerce Bank	1220 E Brown School Rd Columbia, MO 65202	Full Service B&M	$27,335
Commerce Bank	12275 Olive Blvd Creve Coeur, MO 63141	Full Service B&M	$129,891
Commerce Bank	12280 W 135th St Overland Park, KS 66221	Full Service B&M	$76,886
Commerce Bank	1250 S Woodlawn Blvd Wichita, KS 67218	Full Service B&M	$38,016
Commerce Bank	12633 Dorsett Rd Maryland Heights, MO 63043	Full Service B&M	$156,059
Commerce Bank	12671 Antioch Rd Overland Park, KS 66213	Full Service B&M	$45,598
Commerce Bank	12829 South Highway 71 Grandview, MO 64030	Full Service B&M	$56,006
Commerce Bank	1301 Jayhawk Blvd Lawrence, KS 66045	Full Service Retail	$18,924
Commerce Bank	1301 Locust St Harrisonville, MO 64701	Full Service B&M	$141,869
Commerce Bank	1311 S Madison St Webb City, MO 64870	Full Service B&M	$27,507
Commerce Bank	1339 E Empire St Bloomington, IL 61701	Full Service B&M	$512,345
Commerce Bank	13441 State Line Rd Kansas City, MO 64145	Full Service B&M	$158,529
Commerce Bank	1345 E Battlefield St Springfield, MO 65804	Full Service B&M	$834,670
Commerce Bank	13501 Shawnee Mission Parkway Shawnee, KS 66216	Full Service B&M	$129,489
Commerce Bank	137 W Maple St Columbus, KS 66725	Full Service B&M	$47,010
Commerce Bank	1415 N. Morley St Moberly, MO 65270	Full Service B&M	$56,965
Commerce Bank	14317 Manchester Rd Manchester, MO 63011	Full Service B&M	$98,520
Commerce Bank	1460 South Jefferson Avenue Lebanon, MO 65536	Full Service B&M	$141,894
Commerce Bank	1500 E College Ave Normal, IL 61761	Full Service B&M	$95,866
Commerce Bank	1500 Wakarusa Dr Lawrence, KS 66047	Full Service B&M	$93,186
Commerce Bank	15305 E Colfax Ave Aurora, CO 80011	Full Service B&M	$152,296
Commerce Bank	1551 N Waterfront Pkwy Wichita, KS 67206	Full Service B&M	$617,784
Commerce Bank	15910 S Murlen Rd Olathe, KS 66062	Full Service B&M	$91,433
Commerce Bank	160 South Broadview St Cape Girardeau, MO 63703	Full Service B&M	$64,432
Commerce Bank	1626 Pattern Dr Saint Louis, MO 63138	Full Service B&M	$36,437
Commerce Bank	16303 Truman Rd Ellisville, MO 63011	Full Service B&M	$113,483
Commerce Bank	16650 W 135th St Olathe, KS 66062	Full Service B&M	$69,538
Commerce Bank	1695 W Jackson St Ozark, MO 65721	Full Service B&M	$47,769
Commerce Bank	1699 Clarkson Rd Chesterfield, MO 63017	Full Service B&M	$183,590
Commerce Bank	17601 East 24 Highway Independence, MO 64056	Full Service B&M	$65,072
Commerce Bank	1800 Cape La Croix Rd Cape Girardeau, MO 63701	Full Service B&M	$23,034
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	$562,446
Commerce Bank	1845 Fairmount St Wichita, KS 67260	Full Service B&M	$6,782
Commerce Bank	18700 E 39th St Independence, MO 64055	Full Service B&M	$247,196
Commerce Bank	1889 N Highway Cc Nixa, MO 65714	Full Service B&M	$55,210
Commerce Bank	1900 West Loop South, Suite 1800 Houston, TX 77027	Limited, Drive-thru	$982
Commerce Bank	1906 West 43rd Street Kansas City, KS 66103	Full Service B&M	$67,994
Commerce Bank	1994 Wentzville Pkwy Wentzville, MO 63385	Full Service B&M	$185,244
Commerce Bank	200 E. Fifth St. Eureka, MO 63025	Full Service B&M	$48,363
Commerce Bank	2000 Bernadette Dr Columbia, MO 65203	Full Service B&M	$77,905
Commerce Bank	2005 E. 21st., Suite 200 Tulsa, OK 74114	Full Service B&M	$18,262
Commerce Bank	2012 Court Street Pekin, IL 61554	Full Service B&M	$48,915
Commerce Bank	2025 E Jackson Blvd Jackson, MO 63755	Full Service B&M	$23,949
Commerce Bank	203 W Jackson St Willard, MO 65781	Full Service B&M	$45,252
Commerce Bank	209 E Main St California, MO 65018	Full Service B&M	$49,789
Commerce Bank	211 N Broadway Saint Louis, MO 63102	Full Service B&M	$60,961
Commerce Bank	21800 Midland Drive Shawnee, KS 66218	Full Service B&M	$149,009
Commerce Bank	2200 Vine St Hays, KS 67601	Full Service B&M	$190,041
Commerce Bank	228 W Main St Lexington, IL 61753	Full Service B&M	$31,003
Commerce Bank	232 S Osage Ave Tipton, MO 65081	Full Service B&M	$45,983
Commerce Bank	2333 E 21st St N Wichita, KS 67214	Full Service B&M	$0
Commerce Bank	2370 S Springfield Ave Bolivar, MO 65613	Full Service B&M	$98,855
Commerce Bank	2609 E Broadway Ste 101 Columbia, MO 65201	Full Service B&M	$36,232
Commerce Bank	2609 N Knoxville Ave Peoria, IL 61604	Full Service B&M	$0
Commerce Bank	2616 N Kansas Expy Springfield, MO 65803	Full Service B&M	$84,249
Commerce Bank	2700 S Saint Peters Pkwy Saint Peters, MO 63303	Full Service B&M	$130,815
Commerce Bank	2740 Claflin Rd Manhattan, KS 66502	Full Service B&M	$69,054
Commerce Bank	2770 W Republic Rd Springfield, MO 65807	Full Service B&M	$70,643
Commerce Bank	2830 S 4th Street Leavenworth, KS 66048	Full Service B&M	$124,675
Commerce Bank	2900 N Highway 67 Florissant, MO 63033	Full Service B&M	$79,391
Commerce Bank	2913 Highway K O Fallon, MO 63366	Full Service B&M	$141,957
Commerce Bank	2915 S Noland Rd Independence, MO 64055	Full Service B&M	$128,698
Commerce Bank	2946 S Clark St Mexico, MO 65265	Full Service B&M	$108,796
Commerce Bank	300 N Kirkwood Rd Kirkwood, MO 63122	Full Service B&M	$632,786
Commerce Bank	3000 W 6th St Lawrence, KS 66049	Full Service Retail	$27,744
Commerce Bank	301 Se M 291 Hwy Lees Summit, MO 64063	Full Service B&M	$164,925
Commerce Bank	3100 W Broadway Columbia, MO 65203	Full Service Retail	$33,438
Commerce Bank	3134 S Grand Ave Saint Louis, MO 63118	Full Service B&M	$108,249
Commerce Bank	320 Gravois Rd Fenton, MO 63026	Full Service B&M	$249,367
Commerce Bank	3301 E Sunshine St Springfield, MO 65804	Full Service B&M	$87,654
Commerce Bank	3303 Ashland Ave Saint Joseph, MO 64506	Full Service B&M	$102,134
Commerce Bank	3503 Nw 63rd Street, Suite 300 Oklahoma City, OK 73116	Full Service B&M	$180,233
Commerce Bank	3550 W 38th Ave Suite 70 Denver, CO 80211	Full Service B&M	$3,328
Commerce Bank	3606 Frederick Avenue Saint Joseph, MO 64506	Full Service B&M	$222,858
Commerce Bank	3709 Sandman Ln Columbia, MO 65201	Full Service B&M	$415,464
Commerce Bank	4006 W 83rd St Prairie Village, KS 66208	Full Service Retail	$160,845
Commerce Bank	4018 Rainbow Boulevard #20 Kansas City, KS 66103	Limited, Drive-thru	$31,079
Commerce Bank	4100 Rusty Rd Saint Louis, MO 63128	Full Service B&M	$130,008
Commerce Bank	432 Main Street Peoria, IL 61602	Full Service B&M	$235,111
Commerce Bank	435 Mid Rivers Mall Dr Saint Peters, MO 63376	Full Service B&M	$129,375
Commerce Bank	4400 Green Mount Crossing Dr Shiloh, IL 62269	Full Service B&M	$45,809
Commerce Bank	4401 Natural Bridge Ave Saint Louis, MO 63115	Full Service B&M	$26,641
Commerce Bank	442 South De Mazenod Drive Belleville, IL 62223	Full Service B&M	$0
Commerce Bank	4480 Broadway Quincy, IL 62305	Full Service B&M	$3,005
Commerce Bank	456 N Main St Wichita, KS 67202	Full Service B&M	$58,150
Commerce Bank	4700 Johnson Drive Roeland Park, KS 66205	Full Service B&M	$67,072
Commerce Bank	4th And Felix Streets St. Joseph, MO 64501	Full Service B&M	$104,245
Commerce Bank	500 W Main St Branson, MO 65616	Full Service Retail	$37,033
Commerce Bank	501 E Broadway Columbia, MO 65201	Full Service B&M	$40,604
Commerce Bank	503 N Hwy 7 Blue Springs, MO 64015	Full Service B&M	$151,952
Commerce Bank	5314 South Yale, Suite 100 Tulsa, OK 74135	Full Service B&M	$264,461
Commerce Bank	56 N. Euclid Saint Louis, MO 63108	Full Service B&M	$354
Commerce Bank	5630 Telegraph Rd Saint Louis, MO 63129	Full Service B&M	$122,230
Commerce Bank	5701 W Main St Belleville, IL 62226	Full Service B&M	$171,122
Commerce Bank	5801 Nw Barry Road Kansas City, MO 64154	Full Service B&M	$79,539
Commerce Bank	600 N Rock Rd Derby, KS 67037	Full Service B&M	$42,238
Commerce Bank	605 Us Highway 60 E Republic, MO 65738	Full Service B&M	$63,570
Commerce Bank	6100 Troost Avenue Kansas City, MO 64110	Full Service B&M	$30,447
Commerce Bank	6130 E 81st St Tulsa, OK 74137	Full Service B&M	$0
Commerce Bank	614 N Glenstone Ave Springfield, MO 65802	Full Service B&M	$73,884
Commerce Bank	625 W Central El Dorado, KS 67042	Full Service B&M	$108,664
Commerce Bank	6271 Mid Rivers Mall Dr Saint Charles, MO 63304	Full Service B&M	$144,784
Commerce Bank	6305 W. 135th St. Overland Park, KS 66223	Full Service B&M	$221,952
Commerce Bank	6327 Chippewa St Saint Louis, MO 63109	Full Service B&M	$122,757
Commerce Bank	6334 Ne Antioch Rd Gladstone, MO 64119	Full Service B&M	$93,692
Commerce Bank	6336 Brookside Plz Kansas City, MO 64113	Limited, Drive-thru	$184,972
Commerce Bank	6383 Clayton Rd Saint Louis, MO 63117	Full Service B&M	$104,120
Commerce Bank	6424 E 13th St N Wichita, KS 67206	Full Service B&M	$95,656
Commerce Bank	6630 Delmar Blvd University City, MO 63130	Full Service B&M	$98,505
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	$64,877
Commerce Bank	727 Poyntz Ave Manhattan, KS 66502	Full Service B&M	$162,106
Commerce Bank	7400 N Orange Prairie Rd Peoria, IL 61615	Full Service B&M	$35,419
Commerce Bank	750 Ne Woods Chapel Rd Lees Summit, MO 64064	Full Service B&M	$118,154
Commerce Bank	7910 Clayton Rd Richmond Heights, MO 63117	Full Service B&M	$133,526
Commerce Bank	8000 Forsyth Boulevard Clayton, MO 63105	Full Service B&M	$2,404,155
Commerce Bank	8045 Big Bend Blvd Webster Groves, MO 63119	Full Service B&M	$161,771
Commerce Bank	809 Sw M 150 Highway Lees Summit, MO 64082	Full Service B&M	$73,559
Commerce Bank	8190 N Lindbergh Blvd Florissant, MO 63031	Full Service B&M	$125,363
Commerce Bank	8200 E 171st St Belton, MO 64012	Full Service B&M	$102,331
Commerce Bank	825 N Main St Hutchinson, KS 67501	Full Service B&M	$72,782
Commerce Bank	8450 East Crescent Parkway, Suite 150 Englewood, CO 80111	Full Service B&M	$63,954
Commerce Bank	858 Meramec Station Rd Valley Park, MO 63088	Full Service B&M	$86,635
Commerce Bank	8615 N Knoxville Ave Peoria, IL 61615	Full Service B&M	$103,177
Commerce Bank	8700 Monrovia St Lenexa, KS 66215	Full Service B&M	$247,364
Commerce Bank	8878 W 21st St N Wichita, KS 67205	Full Service B&M	$99,785
Commerce Bank	89 Main St Cassville, MO 65625	Full Service B&M	$56,728
Commerce Bank	9001 State Line Rd Kansas City, MO 64114	Full Service B&M	$121,300
Commerce Bank	901 E Broadway Columbia, MO 65201	Full Service B&M	$62,047
Commerce Bank	901 S National Ave Springfield, MO 65804	Full Service B&M	$19,893
Commerce Bank	901 South Vandeventer Avenue Saint Louis, MO 63110	Full Service B&M	$46,335
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	$108,396
Commerce Bank	9239 Ne Hwy 152 Kansas City, MO 64158	Full Service B&M	$87,078
Commerce Bank	9501 Antioch Road Overland Park, KS 66212	Full Service B&M	$60,485
Commerce Bank	955 Iowa St Lawrence, KS 66044	Full Service B&M	$89,870
Commerce Bank	956 Jeffco Blvd Arnold, MO 63010	Full Service B&M	$99,655
Commerce Bank	9620 E 21st St N Wichita, KS 67226	Full Service B&M	$78,878
Commerce Bank	9850 Saint Charles Rock Rd Saint Ann, MO 63074	Full Service B&M	$74,774
Commerce Bank	995 Columbia Centre Columbia, IL 62236	Full Service B&M	$46,523
Commerce Bank	North 17th And Anderson Avenue Manhattan, KS 66502	Full Service B&M	$22,033

For 2020, Commerce Bank had 171 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$868,169
Net interest income	$825,136
Total noninterest income	$501,631
Gross Fiduciary activities income	$154,507
Service charges on deposit accounts	$93,227
Trading account gains and fees	$17,341
Additional Noninterest Income	$236,556
Pre-tax net operating income	$431,715
Securities gains (or losses, -)	$21,082
Income before extraordinary items	$361,124
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$361,124
Minority interest net income	$26
Net income	$361,098
Sale, conversion, retirement of capital stock, net	$10,212
Net operating income	$344,258

Commerce Bank's gross interest income from loans was $868,169,000.
Commerce Bank's net interest income from loans was $825,136,000.
Commerce Bank's fee based income from loans was $93,227,000.
Commerce Bank's net income from loans was $361,098,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$43,033
Provision for credit losses	$116,049
Total noninterest expense	$779,003
Salaries and employee benefits	$479,784
Premises and equipment expense	$65,701
Additional noninterest expense	$233,518
Applicable income taxes	$91,673
Net charge-offs	$34,858
Cash dividends	$210,000

Commerce Bank's interest expense for loans was $43,033,000.
Commerce Bank's payroll and benefits expense were $479,784,000.
Commerce Bank's property, plant and equipment expenses $65,701,000.

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	1.9%
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	$27,120,127
Deposits held in domestic offices	$27,120,127
Deposits by Individuals, partnerships, and corporations	$25,732,920
Deposits by U.S. Government	$418
Deposits by States and political subdivisions in the U.S.	$1,268,325
Deposits by Commercial banks and other depository institutions in U.S.	$118,434
Deposits by Banks in foreign countries	$30
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$6,139,578
Demand deposits	$4,467,841
Nontransaction accounts	$20,980,549
Money market deposit accounts (MMDAs)	$17,876,284
Other savings deposits (excluding MMDAs)	$1,259,573
Total time deposits	$1,844,692
Total time and savings deposits	$22,652,286
Noninterest-bearing deposits	$10,670,980
Interest-bearing deposits	$16,449,147
Retail deposits	$26,016,451
IRAs and Keogh plan accounts	$198,053
Brokered deposits	$54,990
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$32,808,565
Cash & Balances due from depository institutions	$2,198,328
Interest-bearing balances	$1,747,657
Total securities	$12,440,350
Federal funds sold & reverse repurchase	$850,000
Net loans and leases	$16,153,896
Loan and leases loss allowance	$220,834
Trading account assets	$35,378
Bank premises and fixed assets	$366,517
Other real estate owned	$2,919
Goodwill and other intangibles	$150,127
All other assets	$611,050

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$32,808,565
Total Liabilities	$29,731,002
Total deposits	$27,120,127
Interest-bearing deposits	$16,449,147
Deposits held in domestic offices	$27,120,127
% insured (estimated)	$53
Federal funds purchased and repurchase agreements	$2,098,383
Trading liabilities	$103
Other borrowed funds	$50,802
Subordinated debt	$0
All other liabilities	$461,587

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$16,153,896
Loan and leases loss allowance	$220,834
Total loans and leases (domestic)	$16,374,730
All real estate loans	$7,421,846
Real estate loans in domestic offices	$7,421,846
Construction and development loans	$1,021,606
Residential 1-4 family construction	$94,729
Other construction, all land development and other land	$926,877
Loans secured by nonfarm nonresidential properties	$2,517,810
Nonfarm nonresidential secured by owner-occupied properties	$1,133,275
Commercial real estate & other non-farm, non-residential	$1,384,535
Multifamily residential real estate	$301,161
1-4 family residential loans	$3,411,553
Farmland loans	$169,716
Loans held in foreign offices	$0
Farm loans	$112,482
Commercial and industrial loans	$4,091,383
To non-U.S. addressees	$0
Loans to individuals	$2,365,712
Credit card loans	$655,078
Related Plans	$620,164
Consumer Auto Loans	$879,937
Other loans to individuals	$210,533
All other loans & leases	$2,383,307
Loans to foreign governments and official institutions	$0
Other loans	$762,214
Loans to depository institutions and acceptances of other banks	$32,212
Loans not secured by real estate	$102,964
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$128,704
Non 1-4 family restructured loans & leases	$124,609
Total loans and leases (foreign)	$0

Commerce Bank had $16,153,896,000 of loans outstanding in 2020. $7,421,846,000 of loans were in real estate loans. $1,021,606,000 of loans were in development loans. $301,161,000 of loans were in multifamily mortgage loans. $3,411,553,000 of loans were in 1-4 family mortgage loans. $112,482,000 of loans were in farm loans. $655,078,000 of loans were in credit card loans. $879,937,000 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	1,594	$350,564	$219,927
Nonfarm, nonresidential loans - <$100k	296	$11,600	$39,189
Nonfarm, nonresidential loans - $100-250k	522	$59,053	$113,128
Nonfarm, nonresidential loans - $250k-1MM	776	$279,911	$360,710
Commercial & Industrial, US addressed loans - <$1MM	22,535	$918,955	$40,779
Commercial & Industrial, US addressed loans - <$100k	19,232	$235,446	$12,242
Commercial & Industrial, US addressed loans - $100-250k	1,811	$192,756	$106,436
Commercial & Industrial, US addressed loans - $250k-1MM	1,492	$490,753	$328,923
Farmland loans - <$1MM	723	$91,426	$126,454
Farmland loans - <$100k	267	$10,981	$41,127
Farmland loans - $100-250k	307	$39,650	$129,153
Farmland loans - $250k-1MM	149	$40,795	$273,792
Agriculture operations loans - <$1MM	1,488	$67,443	$45,325
Agriculture operations loans - <$100k	1,212	$24,968	$20,601
Agriculture operations loans - $100-250k	190	$21,934	$115,442
Agriculture operations loans - $250k-1MM	86	$20,541	$238,849