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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    • 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, Springfield, and Nashville among others. We have data for 162 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% 12/16/24
    30 Year Conventional Purchase 6.92% 12/16/24
    30 Year Conventional Refi 6.97% 12/16/24
    30 Year Cash-out Refi 6.98% 12/16/24
    30 Year FHA Purchase 7.43% 12/16/24
    30 Year FHA Refi 7.21% 12/16/24
    30 Year VA Purchase 6.40% 12/16/24
    30 Year USDA Purchase 7.04% 12/16/24
    15 Year Conventional Purchase 6.27% 12/16/24
    15 Year Conventional Refi 6.22% 12/16/24
    15 Year Cash-out Refi 6.22% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    15 Year FHA Refi 6.87% 12/16/24
    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

    5,903

    Origination Dollar Volume (All Markets)

    $1,527,285,000

    Employee count

    4,373 Show all (14) 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) 2,027 $432,035,000 $213,140 $1,916 3.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1,484 $288,650,000 $194,508 $1,968 3.36%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 332 $167,140,000 $503,434 $3,076 3.26%
    SPRINGFIELD, MO (FHA|USDA|VA) 298 $45,900,000 $154,027 $1,991 3.47%
    Outside of Metro Areas 174 $45,800,000 $263,218 $2,588 3.30%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $40,200,000 $2,233,333 $4,933 3.03%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 58 $35,810,000 $617,414 $3,942 2.80%
    WICHITA, KS (FHA|USDA|VA) 154 $35,330,000 $229,416 $2,314 3.26%
    COLUMBIA, MO (FHA|USDA|VA) 142 $27,100,000 $190,845 $2,113 3.19%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $21,625,000 $7,208,333 $2,978 2.99%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 128 $17,010,000 $132,891 $1,962 3.53%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 18 $16,360,000 $908,889 $7,801 2.79%
    Edwards, CO (FHA|USDA|VA) 9 $14,885,000 $1,653,889 $4,856 2.97%
    JOPLIN, MO (FHA|USDA|VA) 66 $14,560,000 $220,606 $1,864 3.49%
    TULSA, OK (FHA|USDA|VA) 39 $13,925,000 $357,051 $4,298 3.09%
    MANHATTAN, KS (FHA|USDA|VA) 55 $12,865,000 $233,909 $2,321 3.21%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 16 $12,520,000 $782,500 $5,223 2.83%
    PEORIA, IL (FHA|USDA|VA) 79 $12,075,000 $152,848 $1,821 3.47%
    BOULDER, CO (FHA|USDA|VA) 15 $11,735,000 $782,333 $3,388 2.97%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $11,320,000 $943,333 $6,567 2.65%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 60 $10,840,000 $180,667 $2,301 3.49%
    LAWRENCE, KS (FHA|USDA|VA) 59 $10,395,000 $176,186 $1,899 3.45%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $9,975,000 $767,308 $7,106 2.87%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 16 $9,920,000 $620,000 $8,053 2.83%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $9,190,000 $574,375 $4,102 2.80%
    FORT COLLINS, CO (FHA|USDA|VA) 17 $9,085,000 $534,412 $4,422 2.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $8,340,000 $695,000 $5,715 2.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 64 $8,230,000 $128,594 $1,735 3.43%
    JEFFERSON CITY, MO (FHA|USDA|VA) 48 $7,420,000 $154,583 $2,159 3.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $7,155,000 $795,000 $7,072 2.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 17 $6,815,000 $400,882 $3,932 3.10%
    Breckenridge, CO (FHA|USDA|VA) 10 $6,580,000 $658,000 $2,944 2.74%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $6,065,000 $551,364 $5,004 2.86%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $5,505,000 $1,835,000 $4,788 2.86%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $5,015,000 $1,003,000 $5,221 2.80%
    Pittsburg, KS (FHA|USDA|VA) 34 $4,670,000 $137,353 $2,202 3.70%
    Mexico, MO (FHA|USDA|VA) 34 $4,320,000 $127,059 $2,010 3.91%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $3,580,000 $596,667 $5,314 2.92%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $3,580,000 $895,000 $8,466 2.87%
    Hannibal, MO (FHA|USDA|VA) 21 $3,295,000 $156,905 $1,704 3.39%
    Branson, MO (FHA|USDA|VA) 16 $3,170,000 $198,125 $2,208 3.59%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $3,100,000 $387,500 $5,628 3.39%
    Lebanon, MO (FHA|USDA|VA) 22 $3,070,000 $139,545 $1,431 3.71%
    Steamboat Springs, CO (FHA|USDA|VA) 5 $3,005,000 $601,000 $4,333 2.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,925,000 $585,000 $5,102 2.86%
    Glenwood Springs, CO (FHA|USDA|VA) 5 $2,655,000 $531,000 $2,457 2.92%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $2,640,000 $660,000 $4,671 3.13%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $2,630,000 $1,315,000 $3,355 2.94%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $2,605,000 $521,000 $4,192 3.03%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $2,575,000 $858,333 $6,034 2.71%
    GREELEY, CO (FHA|USDA|VA) 7 $2,495,000 $356,429 $4,033 3.39%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $2,480,000 $1,240,000 $7,442 2.81%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $2,285,000 $2,285,000 $9,905 3.00%
    Key West, FL (FHA|USDA|VA) 1 $2,245,000 $2,245,000 $14,333 2.88%
    Moberly, MO (FHA|USDA|VA) 20 $2,220,000 $111,000 $1,810 3.93%
    Garden City, KS (FHA|USDA|VA) 13 $2,205,000 $169,615 $2,268 3.28%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $2,200,000 $1,100,000 $3,525 2.93%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $2,090,000 $522,500 $6,124 3.41%
    Heber, UT (FHA|USDA|VA) 2 $1,850,000 $925,000 $5,655 2.62%
    Poplar Bluff, MO (FHA|USDA|VA) 6 $1,770,000 $295,000 $1,605 3.82%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,690,000 $845,000 $3,633 3.00%
    Warrensburg, MO (FHA|USDA|VA) 8 $1,600,000 $200,000 $2,468 3.12%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $1,600,000 $800,000 $5,236 3.00%
    Concord, NH (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $5,574 2.75%
    Ottawa, KS (FHA|USDA|VA) 6 $1,500,000 $250,000 $2,000 3.02%
    TOPEKA, KS (FHA|USDA|VA) 11 $1,445,000 $131,364 $2,574 3.61%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $1,410,000 $705,000 $5,521 2.75%
    Fredericksburg, TX (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $10,885 2.88%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $1,330,000 $665,000 $5,690 2.75%
    BILLINGS, MT (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $4,508 3.13%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $1,260,000 $630,000 $6,562 2.81%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $1,250,000 $625,000 $4,074 2.50%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,160,000 $580,000 $2,514 2.19%
    Hays, KS (FHA|USDA|VA) 7 $1,135,000 $162,143 $2,622 3.65%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 11 $1,085,000 $98,636 $1,540 3.40%
    Farmington, MO (FHA|USDA|VA) 6 $1,080,000 $180,000 $887 3.16%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $1,060,000 $530,000 $6,333 2.69%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,757 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 3.45%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,513 3.00%
    Cullowhee, NC (FHA|USDA|VA) 2 $980,000 $490,000 $3,063 2.50%
    Hutchinson, KS (FHA|USDA|VA) 10 $930,000 $93,000 $1,785 3.88%
    Sikeston, MO (FHA|USDA|VA) 7 $895,000 $127,857 $2,060 3.61%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $835,000 $835,000 $4,045 3.13%
    TUCSON, AZ (FHA|USDA|VA) 3 $825,000 $275,000 $3,555 2.96%
    Georgetown, SC (FHA|USDA|VA) 1 $805,000 $805,000 $5,397 2.88%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $795,000 $795,000 $4,189 2.38%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $765,000 $765,000 $4,685 2.38%
    MADISON, WI (FHA|USDA|VA) 2 $760,000 $380,000 $3,384 2.75%
    Montrose, CO (FHA|USDA|VA) 1 $755,000 $755,000 $3,120 3.13%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $755,000 $755,000 $3,447 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $755,000 $755,000 $5,254 3.13%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $745,000 $745,000 $4,544 3.38%
    Durango, CO (FHA|USDA|VA) 1 $735,000 $735,000 $6,844 2.75%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $710,000 $355,000 $4,232 2.81%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $710,000 $355,000 $3,574 2.94%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $685,000 $685,000 $4,519 3.13%
    Cañon City, CO (FHA|USDA|VA) 2 $680,000 $340,000 $5,265 2.94%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $675,000 $675,000 $5,314 2.38%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $665,000 $665,000 $4,961 3.13%
    NILES, MI (FHA|USDA|VA) 1 $655,000 $655,000 $6,271 3.00%
    LUBBOCK, TX (FHA|USDA|VA) 1 $615,000 $615,000 $6,063 2.88%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $615,000 $615,000 $3,757 2.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $605,000 $605,000 $4,194 3.00%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $595,000 $595,000 $3,902 3.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $565,000 $565,000 $3,310 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $555,000 $555,000 $5,487 2.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $555,000 $555,000 $3,629 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $545,000 $545,000 $8,757 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,771 3.00%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $505,000 $505,000 $3,964 2.75%
    OCALA, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,730 3.62%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $460,000 $230,000 $2,972 2.81%
    PUEBLO, CO (FHA|USDA|VA) 1 $455,000 $455,000 $2,624 2.88%
    MISSOULA, MT (FHA|USDA|VA) 1 $435,000 $435,000 $3,744 2.75%
    DECATUR, IL (FHA|USDA|VA) 1 $425,000 $425,000 $2,497 2.38%
    Quincy, IL-MO (FHA|USDA|VA) 5 $415,000 $83,000 $2,659 3.61%
    Riverton, WY (FHA|USDA|VA) 1 $415,000 $415,000 $2,243 2.88%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $405,000 $405,000 $3,059 2.38%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $365,000 $365,000 $3,719 2.13%
    Murray, KY (FHA|USDA|VA) 1 $355,000 $355,000 $2,554 2.13%
    Harrison, AR (FHA|USDA|VA) 1 $355,000 $355,000 $2,895 2.38%
    Atchison, KS (FHA|USDA|VA) 2 $350,000 $175,000 $2,559 2.62%
    Whitewater, WI (FHA|USDA|VA) 1 $335,000 $335,000 $2,164 2.38%
    AMES, IA (FHA|USDA|VA) 1 $335,000 $335,000 $3,149 2.88%
    Bozeman, MT (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.50%
    RENO, NV (FHA|USDA|VA) 1 $325,000 $325,000 $3,042 2.75%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $315,000 $315,000 $3,846 3.38%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $305,000 $305,000 $4,087 3.00%
    MIDLAND, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,869 2.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $7,758 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,734 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,781 3.00%
    Ardmore, OK (FHA|USDA|VA) 1 $275,000 $275,000 $2,565 3.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,277 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,845 2.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,642 2.50%
    West Plains, MO (FHA|USDA|VA) 1 $235,000 $235,000 $3,154 2.88%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $215,000 $215,000 $3,471 3.63%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $6,513 3.13%
    APPLETON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,575 3.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $185,000 $185,000 $3,523 3.25%
    ABILENE, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,795 3.50%
    SAGINAW, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,084 3.25%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,718 3.00%
    KANKAKEE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,588 4.00%
    McAlester, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,129 3.38%
    LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,426 3.00%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $150,000 $75,000 $2,248 3.50%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $145,000 $145,000 $4,093 3.38%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,045 3.38%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,848 2.63%
    Searcy, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,569 3.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,239 3.13%
    Sedalia, MO (FHA|USDA|VA) 2 $120,000 $60,000 $974 4.14%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,422 3.38%
    Coffeyville, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,539 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,437 3.50%
    LAWTON, OK (FHA|USDA|VA) 1 $85,000 $85,000 $3,659 4.13%
    Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,111 3.50%
    Great Bend, KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
    Lincoln, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.99%
    Commerce Bank's top markets include Kansas City, St. Louis, Denver, Springfield, and Nashville among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (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: 42
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,281 $1,333,055,000 $311,389 $2,296 3.32%
    HELOC 1,499 $173,015,000 $115,420 n/a 3.20%
    FHA 87 $14,185,000 $163,046 $4,675 3.48%
    VA 23 $5,365,000 $233,261 $4,600 3.39%
    USDA 13 $1,665,000 $128,077 $3,454 3.19%

    For 2021, Commerce Bank's most frequently originated type of loan was Conventional, with 4,281 originations. Their 2nd most popular type was HELOC, with 1,499 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,777 $641,475,000 $360,988 $3,064 3.20%
    Refi 1,444 $405,210,000 $280,616 $2,085 3.29%
    Home Improvement 1,013 $68,055,000 $67,182 $185 3.44%
    Cash Out Refi 877 $304,215,000 $346,881 $2,833 3.17%
    Other 792 $108,330,000 $136,780 $813 3.47%

    For 2021, Commerce Bank's most frequently cited loan purpose was Home Purchase, with 1,777 originations. The 2nd most popular reason was Refi, with 1,444 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,458 $859,860,000 $349,821 $2,999 3.21%
    10 Year 1,638 $175,510,000 $107,149 $466 3.28%
    15 Year 834 $261,030,000 $312,986 $2,419 2.72%
    Other 504 $82,470,000 $163,631 $0 4.34%
    5 Year 227 $36,915,000 $162,621 $0 3.95%
    20 Year 172 $60,770,000 $353,314 $2,658 3.05%
    1 Year 58 $29,130,000 $502,241 $0 4.36%
    3 Year 12 $21,600,000 $1,800,000 $0 4.52%

    For 2021, Commerce Bank's most frequently cited loan duration was 30 Year, with 2,458 originations. The 2nd most popular length was 10 Year, with 1,638 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,620 $976,970,000 $269,881
    $1k-2k 440 $202,530,000 $460,295
    $2k-3k 67 $19,415,000 $289,776
    $5k+ 31 $15,735,000 $507,581
    $3k-4k 21 $8,395,000 $399,762
    $4k-5k 8 $3,120,000 $390,000

    Commerce Bank's average total fees were $2,999, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,620 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,615 $752,415,000 $287,730
    3-4% 1,845 $418,565,000 $226,864
    4-5% 886 $88,100,000 $99,436
    <2.5% 464 $232,630,000 $501,358
    5-6% 88 $35,480,000 $403,182
    6-7% 5 $95,000 $19,000

    During 2021, Commerce Bank's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,615 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,990 $95,280,000 $47,879 $758 3.70%
    $100k-200k 1,469 $214,385,000 $145,939 $2,334 3.33%
    $200k-400k 1,381 $384,005,000 $278,063 $2,574 2.98%
    $600k-1MM 466 $348,790,000 $748,476 $3,907 2.88%
    $400k-600k 455 $222,465,000 $488,934 $3,060 2.92%
    $1MM+ 142 $262,360,000 $1,847,606 $5,917 2.97%

    2021 saw Commerce Bank place emphasis on $100,000 or less loans with 1,990 originations, totaling $95,280,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,123 $218,475,000 $194,546 $2,249 3.27%
    $150k-250k 1,075 $317,015,000 $294,898 $2,544 3.15%
    $50k-75k 902 $113,010,000 $125,288 $1,991 3.45%
    $250k+ 862 $517,270,000 $600,081 $3,424 2.90%
    $50k or less 790 $69,480,000 $87,949 $1,851 3.63%
    $75k-100k 760 $113,180,000 $148,921 $2,022 3.35%

    Commerce Bank lent most frequently to those with incomes in the $100k-150k range, with 1,123 originations. The second most popular income band? $150k-250k, with 1,075 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,645 $416,725,000 $253,328 $2,412 3.22%
    30-36% 1,158 $284,050,000 $245,294 $2,340 3.28%
    <20% 836 $246,030,000 $294,294 $2,434 3.14%
    42% 363 $59,505,000 $163,926 $1,831 3.44%
    41% 254 $52,070,000 $205,000 $1,948 3.42%
    40% 222 $49,400,000 $222,523 $2,450 3.36%
    36% 210 $42,550,000 $202,619 $2,196 3.35%
    37% 209 $42,725,000 $204,426 $2,139 3.36%
    38% 208 $50,180,000 $241,250 $2,381 3.36%
    39% 207 $44,775,000 $216,304 $2,271 3.33%
    44% 129 $37,765,000 $292,752 $2,747 3.20%
    43% 114 $33,130,000 $290,614 $2,889 3.20%
    46% 30 $8,390,000 $279,667 $2,566 3.14%
    49% 27 $7,425,000 $275,000 $2,676 3.34%
    48% 22 $5,200,000 $236,364 $2,917 3.30%
    47% 21 $5,365,000 $255,476 $2,506 3.35%
    45% 18 $5,160,000 $286,667 $3,124 3.30%
    50-60% 14 $6,690,000 $477,857 $3,219 3.26%
    >60% 7 $4,855,000 $693,571 $2,199 3.56%

    Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 1,645 originations. The next most common DTI ratio? 30-36%, with 1,158 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,547 $1,024,055,000 $225,216 $2,219 3.29%
    Not provided 856 $320,600,000 $374,533 $3,002 3.15%
    Not applicable 153 $112,645,000 $736,242 $0 4.02%
    Black 208 $27,120,000 $130,385 $1,912 3.45%
    Asian 78 $24,600,000 $315,385 $3,010 3.16%
    American Indian 37 $5,545,000 $149,865 $1,741 3.67%
    Asian Indian 8 $5,270,000 $658,750 $6,262 2.83%
    Other Asian 6 $3,640,000 $606,667 $2,122 2.87%
    Korean 2 $1,490,000 $745,000 $3,024 2.56%
    Chinese 3 $1,045,000 $348,333 $8,395 2.54%
    Filipino 2 $800,000 $400,000 $2,543 2.81%
    1 $365,000 $365,000 $2,827 3.63%
    Native Hawaiian or Islander 1 $85,000 $85,000 $2,338 4.13%
    Vietnamese 1 $25,000 $25,000 $0 4.04%

    Approval Rates

    Total approvals of all applications
    76.33%

    Commerce Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.23%

    Commerce Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,903 $1,527,285,000 $258,730

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,903 $1,527,285,000 $258,730

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 815 $117,045,000 $143,613 $1,229 3.46%
    40-60% 757 $253,395,000 $334,736 $2,409 3.11%
    60-80% 1,692 $680,660,000 $402,281 $2,883 3.15%
    80-100% 1,357 $407,815,000 $300,527 $2,906 3.19%
    Over 100% 5 $2,345,000 $469,000 $7,819 3.37%
    Under 20% 1,252 $58,610,000 $46,813 $48 3.61%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COMMERCE BANK Conventional home mortgage Closing on a mortgage 1 33.3%
    COMMERCE BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    COMMERCE BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Commerce Bank 1460 South Jefferson Avenue Lebanon, MO 65536 Full Service B&M $185,227
    Commerce Bank 1 Liberty Bell Cir Liberty, MO 64068 Full Service B&M $143,664
    Commerce Bank 1 S Engelwood Dr Metamora, IL 61548 Full Service B&M $98,089
    Commerce Bank 100 N Main St Hannibal, MO 63401 Full Service B&M $113,876
    Commerce Bank 100 S Broadway St Pittsburg, KS 66762 Full Service B&M $147,006
    Commerce Bank 1001 Main Street Kansas City, MO 64106 Full Service B&M $3,949,606
    Commerce Bank 1001 N.W. 63rd Street Oklahoma City, OK 73116 Full Service B&M $0
    Commerce Bank 10010 Watson Rd Saint Louis, MO 63126 Full Service B&M $92,893
    Commerce Bank 101 E Elm St O Fallon, MO 63366 Full Service B&M $108,663
    Commerce Bank 1015 W 23rd St Lawrence, KS 66046 Full Service Retail $36,055
    Commerce Bank 1015 Windsor Champaign, IL 61821 Full Service B&M $47,121
    Commerce Bank 10185 Gravois Affton, MO 63123 Full Service B&M $175,310
    Commerce Bank 104 Broadway Normal, IL 61761 Full Service B&M $37,889
    Commerce Bank 10429 Clayton Rd. Frontenac, MO 63131 Full Service B&M $158,674
    Commerce Bank 1090 Schnucks Woodsmill Plz Chesterfield, MO 63017 Full Service B&M $302,632
    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 $234,695
    Commerce Bank 1100 West Pine St Poplar Bluff, MO 63901 Limited, Drive-thru $93,451
    Commerce Bank 11000 Shawnee Mission Pky Shawnee, KS 66203 Limited, Drive-thru $138,326
    Commerce Bank 1101 1st Capitol Dr Saint Charles, MO 63301 Full Service B&M $179,628
    Commerce Bank 1102 Bradley St Festus, MO 63028 Full Service B&M $214,579
    Commerce Bank 11080 Oakmont St. Overland Park, KS 66210 Full Service B&M $81,183
    Commerce Bank 111 4h Rd Lansing, KS 66043 Full Service B&M $24,845
    Commerce Bank 1111 North Fleming Street Garden City, KS 67846 Full Service B&M $228,180
    Commerce Bank 1125 Charlotte Street Kansas City, MO 64106 Full Service B&M $68,515
    Commerce Bank 11405 Nall Ave Leawood, KS 66211 Full Service B&M $302,865
    Commerce Bank 118 W 47th St Kansas City, MO 64112 Full Service B&M $591,187
    Commerce Bank 11900 South Strang Line Road Olathe, KS 66062 Full Service B&M $76,602
    Commerce Bank 11901 Manchester Rd Saint Louis, MO 63131 Full Service B&M $125,463
    Commerce Bank 1220 E Brown School Rd Columbia, MO 65202 Full Service B&M $33,341
    Commerce Bank 12275 Olive Blvd Creve Coeur, MO 63141 Full Service B&M $140,558
    Commerce Bank 12280 W 135th St Overland Park, KS 66221 Full Service B&M $140,450
    Commerce Bank 1250 S Woodlawn Blvd Wichita, KS 67218 Full Service B&M $39,800
    Commerce Bank 12633 Dorsett Rd Maryland Heights, MO 63043 Full Service B&M $171,990
    Commerce Bank 12829 South Highway 71 Grandview, MO 64030 Full Service B&M $63,936
    Commerce Bank 1301 Locust St Harrisonville, MO 64701 Full Service B&M $159,591
    Commerce Bank 1311 S Madison St Webb City, MO 64870 Full Service B&M $34,140
    Commerce Bank 1339 E Empire St Bloomington, IL 61701 Full Service B&M $596,161
    Commerce Bank 13441 State Line Rd Kansas City, MO 64145 Full Service B&M $167,074
    Commerce Bank 1345 E Battlefield St Springfield, MO 65804 Full Service B&M $886,144
    Commerce Bank 13501 Shawnee Mission Parkway Shawnee, KS 66216 Full Service B&M $135,656
    Commerce Bank 137 W Maple St Columbus, KS 66725 Full Service B&M $52,509
    Commerce Bank 1415 N. Morley St Moberly, MO 65270 Full Service B&M $63,176
    Commerce Bank 14317 Manchester Rd Manchester, MO 63011 Full Service B&M $0
    Commerce Bank 1500 E College Ave Normal, IL 61761 Full Service B&M $107,341
    Commerce Bank 1500 Wakarusa Dr Lawrence, KS 66047 Full Service B&M $98,017
    Commerce Bank 15305 E Colfax Ave Aurora, CO 80011 Full Service B&M $172,301
    Commerce Bank 1551 N Waterfront Pkwy Wichita, KS 67206 Full Service B&M $718,674
    Commerce Bank 15910 S Murlen Rd Olathe, KS 66062 Full Service B&M $106,946
    Commerce Bank 160 South Broadview St Cape Girardeau, MO 63703 Full Service B&M $74,589
    Commerce Bank 1626 Pattern Dr Saint Louis, MO 63138 Full Service B&M $39,522
    Commerce Bank 16303 Truman Rd Ellisville, MO 63011 Full Service B&M $117,048
    Commerce Bank 16650 W 135th St Olathe, KS 66062 Full Service B&M $77,378
    Commerce Bank 1695 W Jackson St Ozark, MO 65721 Full Service B&M $59,273
    Commerce Bank 1699 Clarkson Rd Chesterfield, MO 63017 Full Service B&M $202,971
    Commerce Bank 17601 East 24 Highway Independence, MO 64056 Full Service B&M $77,649
    Commerce Bank 1800 Cape La Croix Rd Cape Girardeau, MO 63701 Full Service B&M $29,298
    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 $505,514
    Commerce Bank 1845 Fairmount St Wichita, KS 67260 Full Service B&M $7,466
    Commerce Bank 18700 E 39th St Independence, MO 64055 Full Service B&M $252,566
    Commerce Bank 1889 N Highway Cc Nixa, MO 65714 Full Service B&M $62,234
    Commerce Bank 1900 West Loop South, Suite 1800 Houston, TX 77027 Limited, Drive-thru $13,568
    Commerce Bank 1906 West 43rd Street Kansas City, KS 66103 Full Service B&M $74,452
    Commerce Bank 1994 Wentzville Pkwy Wentzville, MO 63385 Full Service B&M $206,565
    Commerce Bank 200 E. Fifth St. Eureka, MO 63025 Full Service B&M $54,533
    Commerce Bank 2000 Bernadette Dr Columbia, MO 65203 Full Service B&M $89,724
    Commerce Bank 2005 E. 21st., Suite 200 Tulsa, OK 74114 Full Service B&M $14,555
    Commerce Bank 2012 Court Street Pekin, IL 61554 Full Service B&M $50,463
    Commerce Bank 2025 E Jackson Blvd Jackson, MO 63755 Full Service B&M $26,640
    Commerce Bank 203 W Jackson St Willard, MO 65781 Full Service B&M $51,542
    Commerce Bank 209 E Main St California, MO 65018 Full Service B&M $55,811
    Commerce Bank 211 N Broadway Saint Louis, MO 63102 Full Service B&M $54,240
    Commerce Bank 21800 Midland Drive Shawnee, KS 66218 Full Service B&M $173,020
    Commerce Bank 2200 Vine St Hays, KS 67601 Full Service B&M $246,540
    Commerce Bank 228 W Main St Lexington, IL 61753 Full Service B&M $36,134
    Commerce Bank 232 S Osage Ave Tipton, MO 65081 Full Service B&M $55,511
    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 $108,351
    Commerce Bank 2609 E Broadway Ste 101 Columbia, MO 65201 Full Service B&M $37,360
    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 $89,243
    Commerce Bank 2700 S Saint Peters Pkwy Saint Peters, MO 63303 Full Service B&M $142,681
    Commerce Bank 2740 Claflin Rd Manhattan, KS 66502 Full Service B&M $75,349
    Commerce Bank 2770 W Republic Rd Springfield, MO 65807 Full Service B&M $76,331
    Commerce Bank 2830 S 4th Street Leavenworth, KS 66048 Full Service B&M $117,975
    Commerce Bank 2900 N Highway 67 Florissant, MO 63033 Full Service B&M $85,094
    Commerce Bank 2913 Highway K O Fallon, MO 63366 Full Service B&M $156,684
    Commerce Bank 2915 S Noland Rd Independence, MO 64055 Full Service B&M $138,468
    Commerce Bank 2946 S Clark St Mexico, MO 65265 Full Service B&M $124,557
    Commerce Bank 300 N Kirkwood Rd Kirkwood, MO 63122 Full Service B&M $703,548
    Commerce Bank 301 Se M 291 Hwy Lees Summit, MO 64063 Full Service B&M $272,002
    Commerce Bank 3100 W Broadway Columbia, MO 65203 Full Service Retail $37,808
    Commerce Bank 3134 S Grand Ave Saint Louis, MO 63118 Full Service B&M $119,588
    Commerce Bank 320 Gravois Rd Fenton, MO 63026 Full Service B&M $275,046
    Commerce Bank 3301 E Sunshine St Springfield, MO 65804 Full Service B&M $105,037
    Commerce Bank 3303 Ashland Ave Saint Joseph, MO 64506 Full Service B&M $100,734
    Commerce Bank 3503 Nw 63rd Street, Suite 300 Oklahoma City, OK 73116 Full Service B&M $187,543
    Commerce Bank 3550 W 38th Ave Suite 70 Denver, CO 80211 Full Service B&M $3,623
    Commerce Bank 3606 Frederick Avenue Saint Joseph, MO 64506 Full Service B&M $277,067
    Commerce Bank 3709 Sandman Ln Columbia, MO 65201 Full Service B&M $567,602
    Commerce Bank 4006 W 83rd St Prairie Village, KS 66208 Full Service Retail $168,062
    Commerce Bank 4018 Rainbow Boulevard #20 Kansas City, KS 66103 Limited, Drive-thru $36,146
    Commerce Bank 4100 Rusty Rd Saint Louis, MO 63128 Full Service B&M $143,698
    Commerce Bank 432 Main Street Peoria, IL 61602 Full Service B&M $214,727
    Commerce Bank 435 Mid Rivers Mall Dr Saint Peters, MO 63376 Full Service B&M $146,956
    Commerce Bank 4400 Green Mount Crossing Dr Shiloh, IL 62269 Full Service B&M $51,044
    Commerce Bank 4401 Natural Bridge Ave Saint Louis, MO 63115 Full Service B&M $29,170
    Commerce Bank 600 N Rock Rd Derby, KS 67037 Full Service B&M $49,129
    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 $2,249
    Commerce Bank 456 N Main St Wichita, KS 67202 Full Service B&M $59,141
    Commerce Bank 4700 Johnson Drive Roeland Park, KS 66205 Full Service B&M $79,170
    Commerce Bank 4th And Felix Streets St. Joseph, MO 64501 Full Service B&M $139,405
    Commerce Bank 500 W Main St Branson, MO 65616 Full Service Retail $46,643
    Commerce Bank 501 E Broadway Columbia, MO 65201 Full Service B&M $66,073
    Commerce Bank 503 N Hwy 7 Blue Springs, MO 64015 Full Service B&M $174,201
    Commerce Bank 5314 South Yale, Suite 100 Tulsa, OK 74135 Full Service B&M $250,465
    Commerce Bank 56 N. Euclid Saint Louis, MO 63108 Full Service B&M $534
    Commerce Bank 5630 Telegraph Rd Saint Louis, MO 63129 Full Service B&M $139,651
    Commerce Bank 5701 W Main St Belleville, IL 62226 Full Service B&M $189,078
    Commerce Bank 5801 Nw Barry Road Kansas City, MO 64154 Full Service B&M $91,980
    Commerce Bank 605 Us Highway 60 E Republic, MO 65738 Full Service B&M $72,035
    Commerce Bank 6100 Troost Avenue Kansas City, MO 64110 Full Service B&M $27,841
    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 $81,505
    Commerce Bank 625 W Central El Dorado, KS 67042 Full Service B&M $154,849
    Commerce Bank 6271 Mid Rivers Mall Dr Saint Charles, MO 63304 Full Service B&M $150,926
    Commerce Bank 6305 W. 135th St. Overland Park, KS 66223 Full Service B&M $263,372
    Commerce Bank 6327 Chippewa St Saint Louis, MO 63109 Full Service B&M $135,913
    Commerce Bank 6334 Ne Antioch Rd Gladstone, MO 64119 Full Service B&M $106,810
    Commerce Bank 6336 Brookside Plz Kansas City, MO 64113 Limited, Drive-thru $204,755
    Commerce Bank 6383 Clayton Rd Saint Louis, MO 63117 Full Service B&M $113,732
    Commerce Bank 6424 E 13th St N Wichita, KS 67206 Full Service B&M $89,827
    Commerce Bank 6630 Delmar Blvd University City, MO 63130 Full Service B&M $110,646
    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 $71,453
    Commerce Bank 727 Poyntz Ave Manhattan, KS 66502 Full Service B&M $187,698
    Commerce Bank 7400 N Orange Prairie Rd Peoria, IL 61615 Full Service B&M $36,782
    Commerce Bank 750 Ne Woods Chapel Rd Lees Summit, MO 64064 Full Service B&M $142,067
    Commerce Bank 7910 Clayton Rd Richmond Heights, MO 63117 Full Service B&M $144,969
    Commerce Bank 8000 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $2,814,458
    Commerce Bank 8045 Big Bend Blvd Webster Groves, MO 63119 Full Service B&M $168,744
    Commerce Bank 809 Sw M 150 Highway Lees Summit, MO 64082 Full Service B&M $87,134
    Commerce Bank 8190 N Lindbergh Blvd Florissant, MO 63031 Full Service B&M $135,366
    Commerce Bank 8200 E 171st St Belton, MO 64012 Full Service B&M $112,327
    Commerce Bank 825 N Main St Hutchinson, KS 67501 Full Service B&M $80,433
    Commerce Bank 8450 East Crescent Parkway, Suite 150 Englewood, CO 80111 Full Service B&M $91,892
    Commerce Bank 858 Meramec Station Rd Valley Park, MO 63088 Full Service B&M $101,175
    Commerce Bank 8615 N Knoxville Ave Peoria, IL 61615 Full Service B&M $104,300
    Commerce Bank 8700 Monrovia St Lenexa, KS 66215 Full Service B&M $293,126
    Commerce Bank 8878 W 21st St N Wichita, KS 67205 Full Service B&M $111,016
    Commerce Bank 89 Main St Cassville, MO 65625 Full Service B&M $55,852
    Commerce Bank 9001 State Line Rd Kansas City, MO 64114 Full Service B&M $130,685
    Commerce Bank 901 E Broadway Columbia, MO 65201 Full Service B&M $68,266
    Commerce Bank 901 S National Ave Springfield, MO 65804 Full Service B&M $20,701
    Commerce Bank 901 South Vandeventer Avenue Saint Louis, MO 63110 Full Service B&M $51,702
    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 $114,410
    Commerce Bank 9239 Ne Hwy 152 Kansas City, MO 64158 Full Service B&M $101,714
    Commerce Bank 9501 Antioch Road Overland Park, KS 66212 Full Service B&M $70,518
    Commerce Bank 955 Iowa St Lawrence, KS 66044 Full Service B&M $145,800
    Commerce Bank 956 Jeffco Blvd Arnold, MO 63010 Full Service B&M $115,599
    Commerce Bank 9620 E 21st St N Wichita, KS 67226 Full Service B&M $83,099
    Commerce Bank 9850 Saint Charles Rock Rd Saint Ann, MO 63074 Full Service B&M $79,046
    Commerce Bank 995 Columbia Centre Columbia, IL 62236 Full Service B&M $51,587
    Commerce Bank North 17th And Anderson Avenue Manhattan, KS 66502 Full Service B&M $22,388

    For 2021, Commerce Bank had 167 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $834,237
    Net interest income $821,294
    Total noninterest income $557,196
    Gross Fiduciary activities income $181,568
    Service charges on deposit accounts $97,217
    Trading account gains and fees $18,990
    Additional Noninterest Income $259,421
    Pre-tax net operating income $653,173
    Securities gains (or losses, -) $-3,176
    Income before extraordinary items $508,457
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $508,457
    Minority interest net income $26
    Net income $508,431
    Sale, conversion, retirement of capital stock, net $10,339
    Net operating income $510,966

    Commerce Bank's gross interest income from loans was $834,237,000.
    Commerce Bank's net interest income from loans was $821,294,000.
    Commerce Bank's fee based income from loans was $97,217,000.
    Commerce Bank's net income from loans was $508,431,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,943
    Provision for credit losses $-66,326
    Total noninterest expense $791,643
    Salaries and employee benefits $485,545
    Premises and equipment expense $66,513
    Additional noninterest expense $239,585
    Applicable income taxes $141,540
    Net charge-offs $18,567
    Cash dividends $340,000

    Commerce Bank's interest expense for loans was $12,943,000.
    Commerce Bank's payroll and benefits expense were $485,545,000.
    Commerce Bank's property, plant and equipment expenses $66,513,000.

    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 0.9%
    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 $30,064,476
    Deposits held in domestic offices $30,064,476
    Deposits by Individuals, partnerships, and corporations $27,629,095
    Deposits by U.S. Government $408
    Deposits by States and political subdivisions in the U.S. $2,302,136
    Deposits by Commercial banks and other depository institutions in U.S. $132,807
    Deposits by Banks in foreign countries $30
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $6,833,341
    Demand deposits $4,856,342
    Nontransaction accounts $23,231,135
    Money market deposit accounts (MMDAs) $20,262,721
    Other savings deposits (excluding MMDAs) $1,525,799
    Total time deposits $1,442,615
    Total time and savings deposits $25,208,134
    Noninterest-bearing deposits $12,023,776
    Interest-bearing deposits $18,040,700
    Retail deposits $29,254,118
    IRAs and Keogh plan accounts $186,075
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $36,515,611
    Cash & Balances due from depository institutions $4,292,674
    Interest-bearing balances $3,971,712
    Total securities $14,441,241
    Federal funds sold & reverse repurchase $1,627,800
    Net loans and leases $15,034,930
    Loan and leases loss allowance $150,044
    Trading account assets $46,312
    Bank premises and fixed assets $384,275
    Other real estate owned $2,224
    Goodwill and other intangibles $154,491
    All other assets $531,664

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $36,515,611
    Total Liabilities $33,517,980
    Total deposits $30,064,476
    Interest-bearing deposits $18,040,700
    Deposits held in domestic offices $30,064,476
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $3,022,966
    Trading liabilities $12,559
    Other borrowed funds $50,046
    Subordinated debt $0
    All other liabilities $367,933

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $15,034,930
    Loan and leases loss allowance $150,044
    Total loans and leases (domestic) $15,184,974
    All real estate loans $7,453,973
    Real estate loans in domestic offices $7,453,973
    Construction and development loans $1,119,587
    Residential 1-4 family construction $96,618
    Other construction, all land development and other land $1,022,969
    Loans secured by nonfarm nonresidential properties $2,489,911
    Nonfarm nonresidential secured by owner-occupied properties $1,177,133
    Commercial real estate & other non-farm, non-residential $1,312,778
    Multifamily residential real estate $354,282
    1-4 family residential loans $3,311,392
    Farmland loans $178,801
    Loans held in foreign offices $0
    Farm loans $108,688
    Commercial and industrial loans $3,238,743
    To non-U.S. addressees $0
    Loans to individuals $2,384,559
    Credit card loans $575,410
    Related Plans $723,273
    Consumer Auto Loans $855,426
    Other loans to individuals $230,450
    All other loans & leases $1,999,011
    Loans to foreign governments and official institutions $0
    Other loans $552,935
    Loans to depository institutions and acceptances of other banks $5,905
    Loans not secured by real estate $111,432
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $56,205
    Non 1-4 family restructured loans & leases $52,178
    Total loans and leases (foreign) $0

    Commerce Bank had $15,034,930,000 of loans outstanding in 2021. $7,453,973,000 of loans were in real estate loans. $1,119,587,000 of loans were in development loans. $354,282,000 of loans were in multifamily mortgage loans. $3,311,392,000 of loans were in 1-4 family mortgage loans. $108,688,000 of loans were in farm loans. $575,410,000 of loans were in credit card loans. $855,426,000 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 1,310 $304,920 $232,763
    Nonfarm, nonresidential loans - <$100k 219 $8,872 $40,511
    Nonfarm, nonresidential loans - $100-250k 427 $49,826 $116,689
    Nonfarm, nonresidential loans - $250k-1MM 664 $246,222 $370,816
    Commercial & Industrial, US addressed loans - <$1MM 11,110 $423,858 $38,151
    Commercial & Industrial, US addressed loans - <$100k 9,270 $90,540 $9,767
    Commercial & Industrial, US addressed loans - $100-250k 971 $81,333 $83,762
    Commercial & Industrial, US addressed loans - $250k-1MM 869 $251,985 $289,971
    Farmland loans - <$1MM 665 $87,133 $131,027
    Farmland loans - <$100k 234 $9,738 $41,615
    Farmland loans - $100-250k 286 $36,628 $128,070
    Farmland loans - $250k-1MM 145 $40,767 $281,152
    Agriculture operations loans - <$1MM 1,244 $61,052 $49,077
    Agriculture operations loans - <$100k 994 $22,119 $22,253
    Agriculture operations loans - $100-250k 171 $19,913 $116,450
    Agriculture operations loans - $250k-1MM 79 $19,020 $240,759