Lender in Texas · HMDA 2025
Commerce Home Mortgage, Inc. mortgages in Texas
Commerce Home Mortgage, Inc.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Commerce Home Mortgage, Inc. originated 921 owner-occupied single-family loans in Texas from 1,012 completed applications.
Its median conventional purchase loan costs were $13,270 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 7.75% (Texas: 6.50%).
Loans in TX
921
of 1,012 applications
Denial rate
5.3%
Purchase · TX 10.2%
Rate spread
+1.35 pts
Conv. · TX +0.09 pts
Loan amount
$265,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 904 | 850 | 5.3% | 7.750% | +1.35 pts | $13,270 | $265,000 |
| Refinance | 61 | 42 | 31.1% | 7.750% | +1.06 pts | $10,990 | $285,000 |
| Cash-out refinance | 47 | 29 | 38.3% | 7.375% | +0.98 pts | $10,450 | $385,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Commerce Home Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| El Paso County | 4 | 552 | 5.6% |
| San Saba County | 6 | 1 | 4.0% |
| Haskell County | 14 | 1 | 2.6% |
| Pecos County | 20 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology