BBB Accredited Business since

Commerce Home Mortgage

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Phone: (925) 275-6844 Fax: (925) 806-0918 View Additional Phone Numbers 3130 Crow Canyon Pl Ste 300, San Ramon, CA 94583

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This company offers full service mortgage loans.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Commerce Home Mortgage meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Commerce Home Mortgage include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

1 Customer Review on Commerce Home Mortgage
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: November 07, 1996 Business started: 01/29/1993 Business started locally: 01/29/1993 Business incorporated 01/29/1993 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Bureau of Real Estate
1515 Clay St Ste 702, Oakland CA 94612
Phone Number: (510) 622-2552

Type of Entity


Business Management
Ms. Lauren Piol , VP of Operations Mr. Scott Simonich, President
Contact Information
Principal: Ms. Lauren Piol , VP of Operations
Number of Employees


Business Category

Mortgage Brokers Financial Services Real Estate Loans

Customer Review Rating plus BBB Rating Summary

Commerce Home Mortgage has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 100 Stony Point Rd, Suite#290

    Santa Rosa, CA 95401

  • 1910 Olympic Blvd Ste 100

    Walnut Creek, CA 94596

  • 200 California St Fl 5

    San Francisco, CA 94111

  • 3130 Crow Canyon Pl Ste 300

    San Ramon, CA 94583 (925) 275-6844 (925) 831-7000 (707) 596-5111

  • 395 Hartz Ave

    Danville, CA 94526

  • 1637 Pearl St Ste 203

    Boulder, CO 80302

  • 8055 E. Tufts Ave. Ste 420

    Denver, CO 80237


    1024 Mistletoe Ln

    Redding, CA 96002


    2020 Main St #1170

    Irvine, CA 92614


    2130 Main St #290

    Huntingtn Bch, CA 92648


    450 Newport Center Dr #350

    Newport Beach, CA 92660


    600 Anton Blvd #1100

    Costa Mesa, CA 92628


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

9/22/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: Commerce Mortgage in Huntington Beach was an absolute nightmare to deal with when trying to secure a property loan. I attempted to secure an $80,000 loan from this mortgage company. First of all, they couldn't get the loan amount right (they said it was $85,000). Secondly, *** ***** was completely uninformed about 1031 exchanges and wanted me to name the property differently than the 1031. This would have violated the rules of the 1031 exchange and put me in great financial jeopardy. He was ultimately overruled by the North American Title company personnel. Thirdly, the HUD charges look really suspicious and extremely high for an $80,000 loan. You need to see this HUD. Fourthly, there were so many hands in the pot of this loan, I was getting emails from people whom I had never heard of. Fifthly, this simple loan was an absolute nightmare to secure. I was asked for document after document after document, some were lost, others were incompletely copied. I finally gave up on this loan because the day we were supposed to close, I was asked for yet more documentation. I have an 800 credit score and almost no debt and had a huge down payment (almost $125,000) from the 1031 exchange sale for the property I was purchasing(bought for $205,000). Repeated demands for yet more documents were absolutely over the top and went on for weeks.I spent $525.00 on a mandatory appraisal for this property, which wasn't needed because it was so difficult dealing with this company, I finally gave up on the loan. This company should not be in business. They demand for documentation to the point of harrassment. Then when you're absolutely worn out with the process, they unload a HUD with very high costs because they know that you're so exhausted by the harrassment, you'll just give in and pay anything at the eleventh hour to secure the loan because otherwise you'll lose the property. It is American business ethics and service at its worst and I am disgusted by the whole thing.

Desired Settlement: I want a full refund on the $525.00 mandatory appraisal fee. Commerce needs to seriously review customer service and ethics. And I want an independent party to audit the HUD because I am not convinced that all these costs associated with this loan are reasonable and legitimate, and I wonder about the legality of it.

Business Response: Initial Business Response /* (1000, 8, 2014/09/04) */ Please see attached

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

1 Customer Review on Commerce Home Mortgage
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
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