Bank of Commerce Mortgage Reviews

Bank of Commerce Mortgage does not publish its current mortgage rates on its website. Mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term. For the most accurate rates based on your individual situation, contact Bank of Commerce Mortgage.

For reference, the national average 30-year fixed-rate mortgage is 6.30% at the time of publishing, according to Freddie Mac.

Bank of Commerce Mortgage offers a variety of mortgage products, including:

• FHA
• Conventional
• Jumbo
• High-income
• VA

The maximum loan you can get with Bank of Commerce Mortgage depends on the type of loan you apply for and your financial qualifications. In general, the maximum loan you can get through Bank of Commerce Mortgage is $832,750, but higher amounts may be available through a jumbo loan.

In most of the country, the conforming loan limit in 2026 is $832,750 for single-unit properties. In Alaska, Hawaii and some U.S. territories, the baseline limit is $1,249,125, and the ceiling loan limit is $1,873,675. Limits in high-cost counties in the other 48 states can be above $832,750 but are never higher than $1,249,125.

Below are the basic requirements borrowers must meet to take out a loan with Bank of Commerce Mortgage.

Bank of Commerce Mortgage minimum credit score

Bank of Commerce Mortgage does not publish its minimum credit score requirement for a loan. However, typical requirements for the loan types Bank of Commerce offers are as follows:

• 500 to 580 for an FHA loan
• 620 for a conventional loan
• 680 to 720 for a jumbo loan
• No minimum for a VA loan

Even if you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

Bank of Commerce Mortgage minimum down payment

The minimum down payment for Bank of Commerce Mortgage depends on the loan type. While the company does not disclose its minimum down payment requirements, the following minimums are typical:

• 3.50% for an FHA loan with a credit score of 580 or higher
• 10% for an FHA loan with a credit score between 500 and 580
• 3% to 5% for a conventional loan
• 10% to 20% for a jumbo loan
• 0% for a VA loan

Conventional loans typically require a higher credit score and down payment than you need for a government-backed mortgage, but individual cases may differ.

Bank of Commerce Mortgage maximum debt-to-income ratio

Bank of Commerce Mortgage does not publish specific recommendations for borrowers’ debt-to-income (DTI) ratio. In general, DTI ratio thresholds depend on the loan type and your financial situation.

For reference, most lenders issue conventional loans to those with a DTI ratio below 36%, but some mortgage lenders and loan types allow for a DTI ratio of up to 45%. Some FHA-insured loans may even allow for a DTI ratio of up to 50%.

Bank of Commerce Mortgage’s application can be initiated online, but a loan officer may contact you by phone once you’ve begun the process. Be prepared to provide information about your income and assets so that Bank of Commerce Mortgage can determine how much you can borrow.

Bank of Commerce Mortgage application features

» LEARN: How to get a mortgage

You can expect to pay from $100 to $1,000 in closing costs for a standard portfolio, high-income or affordable housing mortgage loan with Bank of Commerce Mortgage. This charge varies based on the type and amount of your loan. Conventional fixed-rate, FHA and VA loans carry an origination fee of $895.

Closing costs can vary, but we recommend that you plan to spend between 2% and 5% of your loan amount in closing costs on top of your down payment.