Lender in Texas · HMDA 2025
International Bank of Commerce mortgages in Texas
International Bank of Commerce's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
International Bank of Commerce originated 230 owner-occupied single-family loans in Texas from 303 completed applications.
Its median conventional purchase loan costs were $4,850 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.00% (Texas: 6.50%).
Loans in TX
230
of 303 applications
Denial rate
17.1%
Purchase · TX 10.2%
Rate spread
−0.34 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 257 | 205 | 17.1% | 6.000% | −0.34 pts | $4,850 | $275,000 |
| Refinance | 13 | 8 | — | — | — | — | — |
| Cash-out refinance | 33 | 17 | 42.4% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where International Bank of Commerce ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Maverick County | 7 | 4 | 1.3% |
| Zavala County | 7 | 1 | 7.1% |
| Starr County | 20 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology