International Bank of Commerce
International Bank of Commerce received 1,142 applications in 2025 and made 666 mortgages, in 95 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $195,000. Of 918 decisions, 207 were denials — 22.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005GNZ6EJFS7LM83 |
|---|---|
| Applications received | 1,142 |
| Mortgages made | 666 |
| Denied | 207 |
| Approved, not taken up | 45 |
| Withdrawn or incomplete | 224 |
| Loans bought from other lenders | 57 |
| Median rate spread over the prime offer rate | 0.967 points |
| FDIC-insured bank | Yes: International Bank of Commerce, 80 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 465 | 7.375% | $235,000 | 13.6% |
| Refinancing | 39 | 7.500% | $155,000 | 27.6% |
| Cash-out refinancing | 45 | 7.500% | $165,000 | 27.5% |
| Other purposes | 117 | 7.500% | $75,000 | 41.7% |
Where International Bank of Commerce lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 100 | 7.250% | 20.5% |
| Bexar County, TX | 69 | 7.500% | 22.3% |
| Travis County, TX | 65 | 6.250% | 9.6% |
| Webb County, TX | 56 | 7.500% | 23.2% |
| Hidalgo County, TX | 42 | 7.438% | 40.3% |
| Dallas County, TX | 30 | 6.375% | 18.4% |
| Tarrant County, TX | 28 | 7.500% | 21.6% |
| Collin County, TX | 25 | 7.750% | 12.9% |
| Montgomery County, TX | 23 | 7.500% | 17.2% |
| Cameron County, TX | 19 | 7.500% | 33.3% |
| Denton County, TX | 17 | 7.750% | 29.6% |
| Tulsa County, OK | 16 | 7.188% | 5.3% |
| Williamson County, TX | 16 | 7.375% | 33.3% |
| Llano County, TX | 14 | 6.938% | 6.7% |
| Nueces County, TX | 14 | 7.500% | 5.3% |
| Fort Bend County, TX | 13 | 7.750% | 26.3% |
| Maverick County, TX | 11 | 7.250% | 17.7% |
| Comal County, TX | 7 | Under 10 loans | 22.2% |
| Hays County, TX | 6 | Under 10 loans | 14.3% |
| Bell County, TX | 5 | Under 10 loans | 28.6% |
| Galveston County, TX | 5 | Under 10 loans | 28.6% |
| Waller County, TX | 5 | Under 10 loans | 0.0% |
| Brazoria County, TX | 4 | Under 10 loans | 33.3% |
| Colorado County, TX | 4 | Under 10 loans | 0.0% |
| Ellis County, TX | 3 | Under 10 loans | 40.0% |
| McLennan County, TX | 3 | Under 10 loans | 0.0% |
| Starr County, TX | 3 | Under 10 loans | 25.0% |
| Garvin County, OK | 2 | Under 10 loans | 0.0% |
| McClain County, OK | 2 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 2 | Under 10 loans | 50.0% |
| Aransas County, TX | 2 | Under 10 loans | 0.0% |
| Atascosa County, TX | 2 | Under 10 loans | 50.0% |
| Brazos County, TX | 2 | Under 10 loans | 0.0% |
| Calhoun County, TX | 2 | Under 10 loans | 25.0% |
| Chambers County, TX | 2 | Under 10 loans | 0.0% |
| El Paso County, TX | 2 | Under 10 loans | 0.0% |
| Grayson County, TX | 2 | Under 10 loans | 0.0% |
| Jefferson County, TX | 2 | Under 10 loans | 0.0% |
| Kendall County, TX | 2 | Under 10 loans | 0.0% |
| San Patricio County, TX | 2 | Under 10 loans | 0.0% |
| Victoria County, TX | 2 | Under 10 loans | 0.0% |
| Walker County, TX | 2 | Under 10 loans | 33.3% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 1 | Under 10 loans | 0.0% |
| Canadian County, OK | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Creek County, OK | 1 | Under 10 loans | 0.0% |
| Grady County, OK | 1 | Under 10 loans | 0.0% |
| Lincoln County, OK | 1 | Under 10 loans | 50.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.