2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Commerce Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Commerce Bank, Na 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Commerce Bank, Na 2059 Spingdale Road Cherry Hill, NJ 08003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 17,413 |
| Total Mortgage Loan Application Amount | $2,187,971,000 |
| Average Mortgage Loan Application Amount | $149,647 |
| Highest Mortgage Loan Application Amount | $24,000,000 |
| Average Applicant Income | $97,875 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Commerce Bank, Na. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Commerce Bank, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Commerce Bank, Na's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Commerce Bank, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by Commerce Bank, Na, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Commerce Bank, Na's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Accomack County Virginia | 1 | $ 302,000 | $ 302,000 | $ 57,000 |
| Alachua County Florida | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Alexandria County Virginia | 1 | $ 391,000 | $ 391,000 | $ 206,000 |
| Allegan County Michigan | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Antrim County Michigan | 1 | $ 90,000 | $ 90,000 | $ 31,000 |
| Atlantic County New Jersey | 1,111 | $ 88,144,000 | $ 79,000 | $ 83,000 |
| Baltimore City County Maryland | 3 | $ 384,000 | $ 128,000 | $ 54,000 |
| Barnstable County Massachusetts | 3 | $ 624,000 | $ 208,000 | $ 110,000 |
| Beaufort County South Carolina | 4 | $ 547,000 | $ 136,000 | $ 106,000 |
| Bedford City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Bennington County Vermont | 1 | $ 285,000 | $ 285,000 | $ 288,000 |
| Benton County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Bergen County New Jersey | 272 | $ 77,685,000 | $ 285,000 | $ 128,000 |
| Berkeley County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Berks County Pennsylvania | 10 | $ 1,400,000 | $ 140,000 | $ 72,000 |
| Blue Earth County Minnesota | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Bollinger County Missouri | 1 | $ 6,000 | $ 6,000 | $ 20,000 |
| Brazoria County Texas | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Brevard County Florida | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Bronx County New York | 73 | $ 7,259,000 | $ 99,000 | $ 72,000 |
| Broward County Florida | 9 | $ 2,079,000 | $ 231,000 | $ 78,000 |
| Brown County Texas | 1 | $ 35,000 | $ 35,000 | $ 15,000 |
| Bucks County Pennsylvania | 186 | $ 43,088,000 | $ 231,000 | $ 120,000 |
| Buncombe County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Burlington County New Jersey | 1,587 | $ 134,892,000 | $ 84,000 | $ 75,000 |
| Butler County Ohio | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Calcasieu County Louisiana | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Camden County New Jersey | 2,814 | $ 176,570,000 | $ 62,000 | $ 65,000 |
| Canyon County Idaho | 1 | $ 24,000 | $ 24,000 | $ 29,000 |
| Cape May County New Jersey | 390 | $ 92,548,000 | $ 237,000 | $ 199,000 |
| Carbon County Pennsylvania | 11 | $ 1,115,000 | $ 101,000 | $ 84,000 |
| Carroll County New Hampshire | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Carroll County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 53,000 |
| Cecil County Maryland | 3 | $ 175,000 | $ 58,000 | $ 34,000 |
| Champaign County Ohio | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Charlotte County Florida | 2 | $ 114,000 | $ 57,000 | $ 52,000 |
| Cherokee County Georgia | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Chester County Pennsylvania | 102 | $ 26,437,000 | $ 259,000 | $ 113,000 |
| Chesterfield County Virginia | 2 | $ 26,000 | $ 13,000 | $ 71,000 |
| Clark County Nevada | 1 | $ 328,000 | $ 328,000 | $ 142,000 |
| Cleveland County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Collier County Florida | 5 | $ 1,704,000 | $ 340,000 | $ 214,000 |
| Collin County Texas | 1 | $ 51,000 | $ 51,000 | $ 80,000 |
| Columbia County New York | 4 | $ 745,000 | $ 186,000 | $ 187,000 |
| Cumberland County New Jersey | 283 | $ 16,521,000 | $ 58,000 | $ 54,000 |
| Cumberland County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Dallas County Texas | 2 | $ 10,000 | $ 5,000 | $ 40,000 |
| Dare County North Carolina | 1 | $ 821,000 | $ 821,000 | $ 165,000 |
| Dauphin County Pennsylvania | 2 | $ 296,000 | $ 148,000 | $ 110,000 |
| Delaware County New York | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Delaware County Pennsylvania | 195 | $ 32,904,000 | $ 168,000 | $ 91,000 |
| Denver County Colorado | 1 | $ 320,000 | $ 320,000 | $ 43,000 |
| District of Columbia County District Of Columbia | 1 | $ 230,000 | $ 230,000 | $ 43,000 |
| Dukes County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 138,000 |
| Dutchess County New York | 11 | $ 1,651,000 | $ 150,000 | $ 270,000 |
| Eagle County Colorado | 1 | $ 915,000 | $ 915,000 | $ 884,000 |
| Erie County New York | 2 | $ 163,000 | $ 81,000 | $ 90,000 |
| Essex County New Jersey | 116 | $ 28,858,000 | $ 248,000 | $ 111,000 |
| Essex County New York | 1 | $ 334,000 | $ 334,000 | $ 204,000 |
| Fairfax County Virginia | 1 | $ 162,000 | $ 162,000 | $ 55,000 |
| Fairfield County Connecticut | 10 | $ 4,776,000 | $ 477,000 | $ 143,000 |
| Flathead County Montana | 1 | $ 380,000 | $ 380,000 | $ 96,000 |
| Fresno County California | 1 | $ 20,000 | $ 20,000 | $ 90,000 |
| Fulton County Indiana | 1 | $ 57,000 | $ 57,000 | $ 25,000 |
| Gloucester County New Jersey | 1,622 | $ 104,594,000 | $ 64,000 | $ 71,000 |
| Goodhue County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Grand Traverse County Michigan | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Green County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Greene County New York | 3 | $ 396,000 | $ 132,000 | $ 83,000 |
| Grundy County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Guadalupe County Texas | 1 | $ 18,000 | $ 18,000 | $ 47,000 |
| Hamblen County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 135,000 |
| Hamilton County New York | 1 | $ 200,000 | $ 200,000 | $ 172,000 |
| Harris County Texas | 1 | $ 38,000 | $ 38,000 | $ 12,000 |
| Hernando County Florida | 2 | $ 224,000 | $ 112,000 | $ 82,000 |
| Hillsborough County Florida | 4 | $ 305,000 | $ 76,000 | $ 70,000 |
| Honolulu County Hawaii | 3 | $ 670,000 | $ 223,000 | $ 41,000 |
| Horry County South Carolina | 6 | $ 1,758,000 | $ 293,000 | $ 151,000 |
| Hudson County New Jersey | 64 | $ 16,473,000 | $ 257,000 | $ 71,000 |
| Humboldt County California | 1 | $ 400,000 | $ 400,000 | $ 148,000 |
| Hunterdon County New Jersey | 167 | $ 25,793,000 | $ 154,000 | $ 94,000 |
| Imperial County California | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Indian River County Florida | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
| Ingham County Michigan | 1 | $ 58,000 | $ 58,000 | $ 44,000 |
| Jackson County Michigan | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Jackson County Missouri | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Jefferson County Alabama | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Jefferson County Indiana | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Jefferson County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 56,000 |
| Jefferson County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Johnson County Missouri | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| Kalamazoo County Michigan | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Kennebec County Maine | 2 | $ 221,000 | $ 110,000 | $ 75,000 |
| Kent County Delaware | 13 | $ 1,516,000 | $ 116,000 | $ 53,000 |
| Kings County New York | 319 | $ 59,814,000 | $ 187,000 | $ 62,000 |
| Kosciusko County Indiana | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Lackawanna County Pennsylvania | 3 | $ 192,000 | $ 64,000 | $ 70,000 |
| Lake County Florida | 3 | $ 267,000 | $ 89,000 | $ 646,000 |
| Lamoille County Vermont | 1 | $ 86,000 | $ 86,000 | $ 121,000 |
| Lancaster County Pennsylvania | 2 | $ 281,000 | $ 140,000 | $ 20,000 |
| LaPorte County Indiana | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Lawrence County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 497,000 |
| Lebanon County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 81,000 |
| Lee County Florida | 7 | $ 1,751,000 | $ 250,000 | $ 342,000 |
| Lehigh County Pennsylvania | 7 | $ 1,094,000 | $ 156,000 | $ 62,000 |
| Lincoln County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 24,000 |
| Linn County Iowa | 2 | $ 86,000 | $ 43,000 | $ 43,000 |
| Litchfield County Connecticut | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Los Angeles County California | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Loudoun County Virginia | 2 | $ 245,000 | $ 122,000 | $ 79,000 |
| Lucas County Ohio | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Luzerne County Pennsylvania | 3 | $ 140,000 | $ 46,000 | $ 64,000 |
| Manatee County Florida | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Maricopa County Arizona | 3 | $ 775,000 | $ 258,000 | $ 151,000 |
| Marion County Illinois | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| Marion County Indiana | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Marion County Oregon | 2 | $ 74,000 | $ 37,000 | $ 64,000 |
| Martin County Florida | 2 | $ 270,000 | $ 135,000 | $ 100,000 |
| McDonough County Illinois | 1 | $ 38,000 | $ 38,000 | $ 62,000 |
| Mecklenburg County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 135,000 |
| Mercer County New Jersey | 313 | $ 29,049,000 | $ 92,000 | $ 74,000 |
| Mesa County Colorado | 1 | $ 63,000 | $ 63,000 | $ 71,000 |
| Miami-Dade County Florida | 4 | $ 1,992,000 | $ 498,000 | $ 290,000 |
| Middlesex County Connecticut | 1 | $ 4,200,000 | $ 4,200,000 | $ 1,800,000 |
| Middlesex County Massachusetts | 1 | $ 333,000 | $ 333,000 | $ 99,000 |
| Middlesex County New Jersey | 541 | $ 59,280,000 | $ 109,000 | $ 82,000 |
| Monmouth County New Jersey | 889 | $ 138,417,000 | $ 155,000 | $ 104,000 |
| Monroe County Michigan | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Monroe County Pennsylvania | 28 | $ 3,774,000 | $ 134,000 | $ 77,000 |
| Montgomery County Indiana | 1 | $ 228,000 | $ 228,000 | $ 265,000 |
| Montgomery County New York | 1 | $ 20,000 | $ 20,000 | $ 133,000 |
| Montgomery County Pennsylvania | 248 | $ 68,799,000 | $ 277,000 | $ 110,000 |
| Montgomery County Texas | 1 | $ 27,000 | $ 27,000 | $ 77,000 |
| Morris County New Jersey | 326 | $ 52,605,000 | $ 161,000 | $ 90,000 |
| Multnomah County Oregon | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Nassau County New York | 515 | $ 82,230,000 | $ 159,000 | $ 107,000 |
| New Castle County Delaware | 112 | $ 17,631,000 | $ 157,000 | $ 78,000 |
| New Haven County Connecticut | 2 | $ 1,480,000 | $ 740,000 | $ 706,000 |
| New York County New York | 250 | $ 181,843,000 | $ 727,000 | $ 189,000 |
| Northampton County Pennsylvania | 13 | $ 2,239,000 | $ 172,000 | $ 90,000 |
| Ocean County New Jersey | 2,084 | $ 195,404,000 | $ 93,000 | $ 76,000 |
| Oneida County New York | 2 | $ 121,000 | $ 60,000 | $ 52,000 |
| Ontario County New York | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Orange County Florida | 4 | $ 1,657,000 | $ 414,000 | $ 321,000 |
| Orange County New York | 30 | $ 4,362,000 | $ 145,000 | $ 80,000 |
| Orange County Texas | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Osceola County Florida | 2 | $ 313,000 | $ 156,000 | $ 35,000 |
| Otsego County New York | 1 | $ 63,000 | $ 63,000 | $ 73,000 |
| Palm Beach County Florida | 14 | $ 5,065,000 | $ 361,000 | $ 306,000 |
| Passaic County New Jersey | 81 | $ 15,742,000 | $ 194,000 | $ 89,000 |
| Philadelphia County Pennsylvania | 337 | $ 47,891,000 | $ 142,000 | $ 73,000 |
| Pike County Pennsylvania | 13 | $ 1,714,000 | $ 131,000 | $ 47,000 |
| Pinal County Arizona | 1 | $ 1,000,000 | $ 1,000,000 | $ 361,000 |
| Pinellas County Florida | 4 | $ 559,000 | $ 139,000 | $ 100,000 |
| Placer County California | 1 | $ 37,000 | $ 37,000 | $ 24,000 |
| Polk County Iowa | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Pottawattamie County Iowa | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Putnam County New York | 5 | $ 1,054,000 | $ 210,000 | $ 230,000 |
| Queens County New York | 339 | $ 39,886,000 | $ 117,000 | $ 91,000 |
| Richmond County New York | 283 | $ 37,082,000 | $ 131,000 | $ 88,000 |
| Riverside County California | 3 | $ 150,000 | $ 50,000 | $ 50,000 |
| Robeson County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Rockland County New York | 58 | $ 5,850,000 | $ 100,000 | $ 103,000 |
| Rutland County Vermont | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| Sacramento County California | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Salem County New Jersey | 81 | $ 7,842,000 | $ 96,000 | $ 73,000 |
| San Francisco County California | 1 | $ 647,000 | $ 647,000 | $ 320,000 |
| San Luis Obispo County California | 2 | $ 330,000 | $ 165,000 | $ 38,000 |
| Sarasota County Florida | 4 | $ 982,000 | $ 245,000 | $ 96,000 |
| Saratoga County New York | 3 | $ 130,000 | $ 43,000 | $ 73,000 |
| Schenectady County New York | 4 | $ 450,000 | $ 112,000 | $ 35,000 |
| Schoharie County New York | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Scott County Iowa | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Sequoyah County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Shawnee County Kansas | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Solano County California | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Somerset County New Jersey | 297 | $ 39,412,000 | $ 132,000 | $ 87,000 |
| St. Clair County Alabama | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| St. Clair County Illinois | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| St. Lawrence County New York | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| St. Louis City County Missouri | 2 | $ 205,000 | $ 102,000 | $ 20,000 |
| St. Lucie County Florida | 2 | $ 226,000 | $ 113,000 | $ 35,000 |
| Steuben County New York | 1 | $ 59,000 | $ 59,000 | $ 65,000 |
| Suffolk County Massachusetts | 1 | $ 190,000 | $ 190,000 | $ 380,000 |
| Suffolk County New York | 398 | $ 63,661,000 | $ 159,000 | $ 108,000 |
| Sullivan County New York | 7 | $ 681,000 | $ 97,000 | $ 85,000 |
| Sullivan County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Sumner County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Sumter County Florida | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Susquehanna County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 99,000 |
| Sussex County Delaware | 15 | $ 4,578,000 | $ 305,000 | $ 93,000 |
| Sussex County New Jersey | 59 | $ 9,047,000 | $ 153,000 | $ 113,000 |
| Talbot County Maryland | 1 | $ 360,000 | $ 360,000 | $ 174,000 |
| Tioga County New York | 1 | $ 40,000 | $ 40,000 | $ 59,000 |
| Tulsa County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Ulster County New York | 8 | $ 1,135,000 | $ 141,000 | $ 112,000 |
| Union County New Jersey | 276 | $ 37,894,000 | $ 137,000 | $ 91,000 |
| Valencia County New Mexico | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Ventura County California | 1 | $ 2,240,000 | $ 2,240,000 | $ 1,675,000 |
| Vigo County Indiana | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Virginia Beach County Virginia | 1 | $ 240,000 | $ 240,000 | $ 132,000 |
| Volusia County Florida | 4 | $ 2,505,000 | $ 626,000 | $ 301,000 |
| Wake County North Carolina | 2 | $ 595,000 | $ 297,000 | $ 930,000 |
| Ware County Georgia | 1 | $ 30,000 | $ 30,000 | $ 310,000 |
| Warren County New Jersey | 65 | $ 8,514,000 | $ 130,000 | $ 67,000 |
| Washburn County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Washington County Maryland | 1 | $ 140,000 | $ 140,000 | $ 160,000 |
| Washington County Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 14,000 |
| Washoe County Nevada | 1 | $ 33,000 | $ 33,000 | $ 117,000 |
| Washtenaw County Michigan | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Wayne County Michigan | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Wayne County New York | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Wayne County Pennsylvania | 5 | $ 604,000 | $ 120,000 | $ 160,000 |
| Westchester County New York | 81 | $ 29,967,000 | $ 369,000 | $ 136,000 |
| Williamson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Windham County Vermont | 2 | $ 315,000 | $ 157,000 | $ 159,000 |
| Windsor County Vermont | 2 | $ 781,000 | $ 390,000 | $ 227,000 |
| Worcester County Maryland | 6 | $ 1,537,000 | $ 256,000 | $ 179,000 |
| Wright County Minnesota | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Yavapai County Arizona | 2 | $ 153,000 | $ 76,000 | $ 47,000 |
| York County Pennsylvania | 3 | $ 265,000 | $ 88,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Commerce Bank, Na in 2004
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 8,482 | $304,182,000 | $31,714 | $12,000,000 | $52,809 | $2,936,000 |
| Refinancing | 4,640 | $865,134,000 | $194,851 | $15,000,000 | $108,185 | $9,999,000 |
| Home Purchase | 4,291 | $1,018,655,000 | $181,050 | $24,000,000 | $114,575 | $9,999,000 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 13,132 | $1,601,143,000 | $171,025 | $4,200,000 | $116,650 | $3,688,000 |
| Not Provided | 1,310 | $126,244,000 | $95,523 | $1,540,000 | $77,809 | $4,097,000 |
| Black or African American | 1,132 | $83,516,000 | $86,545 | $2,240,000 | $59,818 | $1,200,000 |
| Hispanic | 1,013 | $72,224,000 | $125,500 | $637,000 | $62,000 | $359,000 |
| Asian | 556 | $99,673,000 | $240,857 | $3,000,000 | $109,285 | $1,824,000 |
| Not applicable | 162 | $197,715,000 | $1,144,600 | $24,000,000 | $145,000 | $9,999,000 |
| American Indian or Alaskan Native | 74 | $4,038,000 | $67,428 | $280,000 | $65,428 | $386,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $3,418,000 | $189,750 | $450,000 | $73,250 | $284,000 |
Loan Type | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 17,298 | $2,172,771,000 | $154,023 | $24,000,000 | $98,767 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 113 | $14,619,000 | $167,333 | $336,000 | $46,833 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $280,000 | $280,000 | $280,000 | $70,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $301,000 | $301,000 | $301,000 | $116,000 | $116,000 |
Outcome | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,648 | $1,452,185,000 | $306,173 | $4,640,000 | $163,086 | $9,999,000 |
| Application Denied By Financial Institution | 5,140 | $275,791,000 | $55,250 | $15,000,000 | $51,694 | $984,000 |
| Application Approved But Not Accepted | 2,135 | $233,288,000 | $144,777 | $3,038,000 | $94,888 | $2,936,000 |
| Application Withdrawn By Applicant | 364 | $196,283,000 | $491,222 | $24,000,000 | $282,666 | $1,800,000 |
| Loan Purchased By The Institution | 76 | $10,478,000 | $158,500 | $513,000 | $44,000 | $170,000 |
| File Closed For Incompleteness | 42 | $18,845,000 | $932,833 | $4,200,000 | $496,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 7 | $969,000 | $138,000 | $238,000 | $47,000 | $66,000 |
| Preapproval Approved but not Accepted | 1 | $132,000 | $132,000 | $132,000 | $112,000 | $112,000 |
Denial Reason | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 3,207 | $120,336,000 | $46,466 | $1,000,000 | $42,300 | $984,000 |
| Debt-To-Income Ratio | 1,420 | $77,391,000 | $72,187 | $2,500,000 | $37,562 | $900,000 |
| Other | 286 | $55,417,000 | $105,590 | $15,000,000 | $62,636 | $437,000 |
| Collateral | 115 | $11,368,000 | $136,833 | $1,167,000 | $75,333 | $310,000 |
| Credit Application Incomplete | 54 | $3,708,000 | $73,333 | $350,000 | $50,833 | $200,000 |
| Employment History | 31 | $2,340,000 | $117,500 | $432,000 | $93,500 | $234,000 |
| Unverifiable Information | 29 | $5,003,000 | $187,000 | $900,000 | $94,333 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,197,000 | $274,333 | $450,000 | $48,666 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commerce Bank, Na's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Commerce Bank, Na's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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