Commerce Bank in Missouri vs the state
27.2%Denial rate+12.13 pts vs state
34.5%Decision denial rate+15.78 pts vs state
50.7%Origination rate-11.94 pts vs state
6.72%Median rate+0.09 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$87kMedian applicant income
2,488Loans originated
1,334Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,599 | 2,833 | 29.6% | 6.75% | #5 |
| 2024 | 5,363 | 2,709 | 28.5% | 6.75% | #8 |
| 2025 | 4,905 | 2,488 | 27.2% | 6.72% | #10 |
What Commerce Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,113 | 603 | 268 | 24.1% |
| Jackson County | 850 | 411 | 239 | 28.1% |
| St. Charles County | 419 | 220 | 102 | 24.3% |
| Jefferson County | 287 | 139 | 86 | 30.0% |
| Greene County | 281 | 163 | 62 | 22.1% |
| Clay County | 267 | 139 | 70 | 26.2% |
| St. Louis city | 211 | 77 | 75 | 35.5% |
| Cass County | 166 | 83 | 50 | 30.1% |
| Buchanan County | 149 | 70 | 46 | 30.9% |
| Boone County | 136 | 83 | 32 | 23.5% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 4,905 applications in 2025, of which 2,488 were originated and 1,334 denied.
27.2% of all applications, or 34.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Commerce Bank originated in Missouri in 2025 was 6.72%, against a statewide median of 6.63%.
About this data. Figures are Commerce Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology