# Commerce Home Mortgage, Inc.

> **Canonical URL:** https://saferate.com/lenders/commerce-home-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Commerce Home Mortgage, Inc. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers nationwide, with 3,393 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493004AS1SPBQOFDR49
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MS, MT, NC, ND, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 63.9%
- **Brokered/Wholesale:** 36.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.562%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,424
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,393
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 5,649
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $548,366
- **Average Borrower Income:** $285,193
- **Average Property Value:** $783,550

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 2,033 | +0.559% | $3,209 | Exceptional 🤩 |
| FHA | 83/100 | 811 | +0.625% | $3,995 | Exceptional 🤩 |
| VA | 77/100 | 178 | -0.076% | $3,262 | Strong 😀 |
| Jumbo | 85/100 | 364 | +0.960% | $2,642 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,581 loans, Score: 81/100 (Exceptional)
- Refinance: 452 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 752 loans, Score: 83/100 (Exceptional)
- Refinance: 59 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 173 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 220 loans, Score: 83/100 (Exceptional)
- Refinance: 144 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 2,733 | $1.4B | +0.557% | Exceptional 🤩 |
| Refinance | 76/100 | 660 | $481M | +0.590% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,617 | 0.57% | 82/100 |
| TX | 699 | 0.20% | 75/100 |
| FL | 256 | 0.09% | 63/100 |
| CO | 150 | 0.18% | 64/100 |
| OR | 97 | 0.23% | 63/100 |
| NM | 79 | 0.39% | 63/100 |
| WA | 76 | 0.09% | 58/100 |
| AZ | 56 | 0.06% | 53/100 |
| NJ | 49 | 0.06% | 53/100 |
| NV | 33 | 0.08% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| El Paso, TX | TX | 556 | 97/100 |
| Visalia, CA | CA | 255 | 91/100 |
| Oakland | CA | 230 | 79/100 |
| Los Angeles | CA | 215 | 72/100 |
| Non |  | 167 | 53/100 |
| Riverside | CA | 123 | 64/100 |
| San Jose | CA | 114 | 71/100 |
| Denver | CO | 88 | 61/100 |
| Portland | OR-WA | 67 | 59/100 |
| Chico, CA | CA | 66 | 82/100 |
| Redding, CA | CA | 63 | 79/100 |
| Fort Lauderdale | FL | 61 | 59/100 |
| Las Cruces, NM | NM | 60 | 69/100 |
| San Diego | CA | 59 | 58/100 |
| San Francisco | CA | 58 | 65/100 |

## Where This Lender Ranks

Commerce Home Mortgage, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in El Paso, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Visalia, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Chico, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Chico, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Chico, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Chico, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Hanford for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Chico, CA
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders)
- 🏆 **#6** in Chico, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in California for USDA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in California for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in El Paso, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Visalia, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Redding, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Hanford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Hanford for Conventional Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in El Paso, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Visalia, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Visalia, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Visalia, CA for VA Loans
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does Commerce Home Mortgage, Inc. offer?

Commerce Home Mortgage, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Commerce Home Mortgage, Inc. offer mortgages?

Commerce Home Mortgage, Inc. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Commerce Home Mortgage, Inc.'s mortgage rates?

Commerce Home Mortgage, Inc. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.562% above market average.

### What type of lender is Commerce Home Mortgage, Inc.?

Commerce Home Mortgage, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is Commerce Home Mortgage, Inc.'s loan approval success rate?

Commerce Home Mortgage, Inc. has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/commerce-home-mortgage

### How to Cite

> "Commerce Home Mortgage, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/commerce-home-mortgage

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