Lender in California · HMDA 2025
Commerce Home Mortgage, Inc. mortgages in California
Commerce Home Mortgage, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Commerce Home Mortgage, Inc. originated 1,973 owner-occupied single-family loans in California from 2,198 completed applications.
Its median conventional purchase loan costs were $14,380 versus $7,920 for all California lenders, at a median 30-year fixed rate of 7.125% (California: 6.625%).
Loans in CA
1,973
of 2,198 applications
Denial rate
5.4%
Purchase · CA 8.9%
Rate spread
+0.67 pts
Conv. · CA +0.09 pts
Loan amount
$535,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,392 | 1,309 | 5.4% | 7.125% | +0.67 pts | $14,380 | $535,000 |
| Refinance | 248 | 217 | 11.7% | 6.990% | +0.53 pts | $11,400 | $915,000 |
| Cash-out refinance | 558 | 447 | 19.0% | 7.875% | +1.37 pts | $18,970 | $655,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Commerce Home Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glenn County | 1 | 50 | 25.0% |
| Tulare County | 5 | 225 | 5.3% |
| Butte County | 9 | 48 | 2.5% |
| Colusa County | 10 | 3 | 2.0% |
| Tehama County | 11 | 12 | 2.3% |
| Kings County | 14 | 30 | 1.9% |
| Contra Costa County | 17 | 144 | 1.2% |
| Napa County | 18 | 10 | 1.1% |
| Plumas County | 19 | 2 | 1.0% |
| Orange County | 25 | 150 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology