Lender in Kansas · HMDA 2025
Commerce Bank mortgages in Kansas
Commerce Bank's 2025 home-purchase and refinance lending in Kansas, compared with all lenders in the state.
Commerce Bank originated 213 owner-occupied single-family loans in Kansas from 262 completed applications.
Its median conventional purchase loan costs were $2,670 versus $3,290 for all Kansas lenders, at a median 30-year fixed rate of 6.625% (Kansas: 6.625%).
Loans in KS
213
of 262 applications
Denial rate
15.7%
Purchase · KS 6.6%
Rate spread
+0.04 pts
Conv. · KS +0.18 pts
Loan amount
$245,000
Purchase · KS $255,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 191 | 161 | 15.7% | 6.625% | +0.04 pts | $2,670 | $245,000 |
| Refinance | 35 | 26 | 25.7% | — | +1.31 pts | $0 | $115,000 |
| Cash-out refinance | 36 | 26 | 27.8% | — | +0.17 pts | $3,360 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Kansas counties where Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Crawford County | 8 | 10 | 2.8% |
| Cherokee County | 8 | 5 | 2.2% |
| Stevens County | 9 | 1 | 3.3% |
| Trego County | 10 | 1 | 5.9% |
| Finney County | 11 | 5 | 2.3% |
| Ellis County | 13 | 3 | 1.5% |
| Russell County | 18 | 1 | 2.3% |
| Gray County | 19 | 1 | 2.4% |
| Pottawatomie County | 21 | 5 | 1.1% |
| Barton County | 24 | 2 | 0.9% |
| Douglas County | 25 | 12 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology