Home Equity Loan Application Introduction

Use this application to apply for:

  • A new Commerce Bank Home Equity Loan or Line of Credit, or
  • An increase in your Commerce Bank Home Equity Line of Credit limit.

To renew a Commerce Bank Home Equity Line of Credit, please call us at 1-855-296-1293 so that we can assist you in the process.

Home equity loans are available to qualified applicants who reside in Missouri, Kansas, Illinois, Oklahoma or Colorado, where Commerce Bank operates.

As part of the application process, you will be providing personal information about yourself and a co-applicant (if applicable). In order to make the application process quick and easy, you may find it helpful to have the following information available before you begin:

  • Social Security Number
  • Purpose of the loan
  • Current employer's name and address
  • Previous employer's name and address (if at current job less than 2 years)
  • Gross monthly and other sources of income
  • Co-applicant information (if applicable)
  • Estimated market value of the property securing the loan
  • Homeowner Insurance company, agent and phone number
  • First mortgage loan balance and monthly payment
  • Previous year real estate taxes paid
  • Annual homeowners insurance amount
  • If loan request is for more than $100,000, information on all assets and liabilities
  • If you’ve recently refinanced in the past 2 – 3 months, please provide copies of the following:
    • Settlement Statement
    • Note
    • First Payment Letter

Please click below to begin the application process. If at any time you have a question or need assistance with the application, please call our Customer Contact Center at 1-800-453-2265.