International Bank of Commerce: 2025 mortgage rates, costs & approvals
How International Bank of Commerce priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: International Bank of Commerce · LEI 5493005GNZ6EJFS7LM83
In 2025, International Bank of Commerce originated 252 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1090th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.00% (all lenders: 6.625%); its median rate spread was 44 basis points below the national median. Median conventional loan costs were $4,850, 13% lower than the national median ($5,570).
It denied 16.4% of completed home-purchase applications (all lenders: 8.5%).
How International Bank of Commerce priced home-purchase loans
| Purchase loans, 2025 | International Bank of Commerce | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.000% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.31 pts | +0.13 pts |
| Total loan costs · conventional | $4,850 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,300 | $1,860 |
| Borrowers paying discount points | 38.6% | 51.3% |
| Points paid, when paid (% of loan) | 1.38% | 0.87% |
| Borrowers receiving lender credits | 15.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why International Bank of Commerce denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where International Bank of Commerce lends
Counties where International Bank of Commerce is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Zavala County, TX | 7 | 1 | 7.1% |
| Maverick County, TX | 7 | 4 | 1.3% |
| Starr County, TX | 20 | 2 | 1.1% |
Check International Bank of Commerce yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493005GNZ6EJFS7LM83.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from International Bank of Commerce with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology