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Important: You are applying for a Home Equity Loan that has a fixed loan amount, rate, term and monthly payment. The minimum amount for a Home Equity Loan is $10,000.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Are you applying for individual credit in your own name, or joint credit with another person?
Individual credit in my own name Joint credit with another person
Please provide information just for the primary applicant, such as income and expenses. We'll ask for the co-applicant's information later.
Commerce location
* Required Field

Commerce Bank operates in Missouri, Illinois, Kansas, Oklahoma, and Colorado. If you currently reside outside of these States and wish to complete this application, please call our Customer Contact Center at 1-800-725-0512. Our sales representatives are available to assist you Monday - Friday, from 8:00 a.m. to 6:00 p.m. and Saturday from 9 a.m. to noon (Central Time).
General Information


- -
/ /
 
- -
Married Separated Unmarried
Employment and Income
- -
- -
$ .00
$ .00
Nearest Relative Not Living With You

- -
Housing and Other Expense
$ .00
Yes No Don't know
$ .00
Yes No
$ .00
Co-Applicant General Information
Yes No


- -
/ /
 
- -
Married Separated Unmarried
Co-Applicant Employment and Income
- -
- -
$ .00
$ .00
Co-Applicant Housing and Other Expense
$ .00
Yes No Don't know
Yes No
$ .00
Loan Information
Yes No
$ .00
Loan term options range from 12 months to 144 months. YearsMonths
Loan Purpose
*
Improve Home Icon
Refinance Icon
Purchase Property Icon
Life Event Icon
Property Information
Primary Residence Vacation or second home Land (with no buildings)
Yes No
Yes No

YYYY
$.00
$.00
Yes No
Mortgage Information
$.00
Insurance and Tax Information
- -

$.00
$.00
Yes No
$.00
1-4 family dwelling 5+ family dwelling Manufactured Housing
Do occupy the property Do not occupy the property
Information for Government Monitoring Purposes
The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

Applicant

American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Co-Applicant

American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
Street Address of the Property being improved, or Securing Purchase/Refinance of Home
Yes No

You are applying for a Home Equity Loan that has a fixed loan amount, rate, term and monthly payment. The minimum amount for a Home Equity Loan is $10,000.
Commerce location
Applicant Information
,  
Previous Address
,  
Employment and Income
Previous Employment
Nearest Relative Information
,  
Housing Information
Co-Applicant Information
,  
Previous Address
,  
Co-Applicant Employment and Income
Previous Employment
Co-Applicant Housing Information
Loan Information
months YearsMonths
Loan Purpose
Property Information
,
Mortgage Information
Insurance and Tax Information
Information for Government Monitoring Purposes
The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

Applicant

American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Co-Applicant

American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
,  
Agreement and Authorization
The above statements are submitted for the purpose of obtaining credit and are certified to be true and correct. By making this application, you authorize Commerce Bank to make whatever credit inquiries we deem necessary in connection with this credit application or in the course of review or collection of any credit extended in relation to this application. You authorize and instruct any person or consumer reporting agency to complete and furnish us any information they may have or obtain in response to such credit inquiries and agree that such information, along with this application, shall remain the property of the bank whether or not credit is extended. You have answered the questions completely and correctly. You certify that you are 18 years of age or older. You agree to pay all charges on the requested Loan Account when due. For joint credit accounts, you are responsible, both together and individually, for the entire Account balance even though only one of you uses the Account. If you have provided your mobile phone number, you expressly consent to being contacted at the number you provided regarding this application, any subsequent loan, or any other Commerce account, via any method including but not limited to text, SMS, email, or calling you using an auto-dialer, pre-recorded or artificial voice calls or messages.
Unless I/we call Commerce Bank at 800-543-4845 to opt out, I/we agree that Commerce Bank and its affiliates may share information about me or my account for marketing and administrative purposes.

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IMPORTANT: The minimum loan amount for a Home Equity Loan is $10,000. Need to borrow less? Explore other options.