Commerce Home Mortgage, Inc.

8,804 mortgages originated in 2025 across 26 states, and what they cost borrowers.

Loans originated

8,804

Median rate

7.250%

Median lender fees

$13,713

Median loan amount

$365,000

Median spread over APOR

0.962

Paid discount points

44.9%

Received lender credits

32.8%

Purchases / refinances

68.2% / 31.7%

Conventional / FHA / VA

89.5% / 8% / 2.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.6% of loans here — see methodology.

Where Commerce Home Mortgage, Inc. lent

States with at least 50 loans in 2025, ranked by volume.