Our Story

Do well by doing good

Our Mission


Our goal is to be the platform of choice for the industry’s top originators and reshape lending to be more accessible and impactful to underserved borrowers and communities.


Commerce Home Mortgage TPO is a Division of Commerce Home Mortgage, a national mortgage banking company founded in 1994. Commerce is certified by the United States Department of the Treasury as a Community Development Financial Institution (CDFI), and is a non-bank member of the Federal Home Loan Bank of San Francisco. We are the only independent mortgage company that is approved with Fannie Mae, Freddie Mac and Ginnie Mae; certified as a Community Development Financial Institution (CDFI); and a member of the FHLB.


“Our membership in the Federal Home Loan Banking system offers us many of the benefits traditionally enjoyed by banks. Commerce now provides a truly differentiated platform for top originators. As we move forward, we expect that our FHLB membership will enable us to expand the spectrum of proprietary mortgage products which we are able to offer partners and borrowers.”



Our CDFI Certification and FHLB membership enables us and our origination partners to expand our borrower base and do great things for diverse, under-served borrowers and communities.


Commerce’s unique status coupled with the latest technology and highly skilled team enables Commerce to offer a truly differentiated, premier platform for top originators.