Commerce Home Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Commerce Home Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Commerce Home Mortgage, Inc. · LEI 5493004AS1SPBQOFDR49
In 2025, Commerce Home Mortgage, Inc. originated 5,842 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 106th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.625% (all lenders: 6.625%); its median rate spread was 112 basis points above the national median. Median conventional loan costs were $14,230, 155% higher than the national median ($5,570).
It denied 8.7% of completed home-purchase applications (all lenders: 8.5%).
How Commerce Home Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Commerce Home Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.25 pts | +0.13 pts |
| Total loan costs · conventional | $14,230 | $5,570 |
| Total loan costs · FHA | $12,490 | $11,310 |
| Total loan costs · VA | $10,060 | $6,490 |
| Origination charges (all types) | $8,740 | $1,860 |
| Borrowers paying discount points | 64.0% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 45.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Commerce Home Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Commerce Home Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,973 | 2,198 | 5.4% | 7.125% | $14,380 |
| Texas | 921 | 1,012 | 5.3% | 7.750% | $13,270 |
| Florida | 853 | 1,043 | 13.8% | 8.500% | $15,830 |
| New Jersey | 243 | 281 | 11.9% | 8.500% | $17,970 |
| Colorado | 176 | 195 | 6.6% | 7.125% | $7,560 |
| Michigan | 155 | 203 | 21.6% | 8.750% | $12,680 |
| Arizona | 136 | 166 | 17.4% | 8.500% | $15,190 |
| North Carolina | 129 | 148 | 11.2% | 8.750% | $12,570 |
| Georgia | 101 | 133 | 10.1% | 8.750% | $13,480 |
| Virginia | 99 | 116 | 6.4% | 8.375% | $16,290 |
| Oregon | 99 | 115 | 5.9% | 7.250% | $13,560 |
| Tennessee | 90 | 108 | 9.5% | 8.500% | $14,070 |
| New Mexico | 85 | 96 | 2.5% | 7.125% | $12,230 |
| South Carolina | 70 | 79 | 5.4% | 8.750% | $13,440 |
| Illinois | 59 | 77 | 21.3% | 8.750% | $14,010 |
| Washington | 58 | 62 | 2.7% | 6.750% | $13,570 |
| Hawaii | 55 | 64 | 14.6% | 7.875% | $23,320 |
| Maryland | 50 | 60 | 14.6% | 7.500% | $14,600 |
| Utah | 46 | 59 | 20.0% | 7.875% | $14,990 |
| Nevada | 43 | 48 | 5.3% | 6.990% | $12,480 |
| Ohio | 39 | 48 | 17.6% | 8.500% | $13,780 |
| Idaho | 35 | 42 | 13.3% | 7.625% | $13,000 |
| Alabama | 35 | 41 | 4.5% | 8.990% | $11,270 |
| Minnesota | 32 | 39 | 8.7% | 8.500% | $12,060 |
| Oklahoma | 30 | 36 | 16.1% | 7.625% | $11,300 |
| Pennsylvania | 30 | 32 | 4.3% | 7.250% | $15,350 |
| Connecticut | 26 | 29 | — | — | — |
| Arkansas | 19 | 21 | — | — | — |
| Wisconsin | 17 | 21 | — | — | — |
| Louisiana | 17 | 18 | — | — | — |
| Kentucky | 16 | 21 | — | — | — |
| New Hampshire | 15 | 18 | — | — | — |
| Indiana | 14 | 15 | — | — | — |
| Kansas | 11 | 16 | — | — | — |
| Montana | 10 | 16 | — | — | — |
| Mississippi | 10 | 10 | — | — | — |
| Rhode Island | 7 | 9 | — | — | — |
| South Dakota | 7 | 7 | — | — | — |
| Wyoming | 7 | 7 | — | — | — |
| Nebraska | 6 | 8 | — | — | — |
| Delaware | 5 | 7 | — | — | — |
| Maine | 5 | 6 | — | — | — |
| Iowa | 3 | 4 | — | — | — |
| Alaska | 2 | 3 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Commerce Home Mortgage, Inc.'s page for that state.
Counties where Commerce Home Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glenn County, CA | 1 | 50 | 25.0% |
| Hinsdale County, CO | 4 | 1 | 7.7% |
| El Paso County, TX | 4 | 552 | 5.6% |
| Tulare County, CA | 5 | 225 | 5.3% |
| Stanley County, SD | 6 | 1 | 4.3% |
| San Saba County, TX | 6 | 1 | 4.0% |
| Luna County, NM | 7 | 5 | 3.8% |
| Haskell County, TX | 14 | 1 | 2.6% |
| Butte County, CA | 9 | 48 | 2.5% |
| Doña Ana County, NM | 8 | 61 | 2.5% |
| Tehama County, CA | 11 | 12 | 2.3% |
| Colusa County, CA | 10 | 3 | 2.0% |
| Miller County, GA | 12 | 1 | 1.9% |
| Kings County, CA | 14 | 30 | 1.9% |
| Wahkiakum County, WA | 16 | 1 | 1.7% |
Check Commerce Home Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493004AS1SPBQOFDR49.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Commerce Home Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology