International Bank of Commerce mortgage approval rate & lending review
International Bank of Commerce decided 2,645 mortgage applications and funded 2,115 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions International Bank of Commerce reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
International Bank of Commerce at a glance
Approval is 3.2 points above the 81.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 1,226 / 1,396 | 96% | $185K | 1,178 |
| Home improvement loans | 71% | 279 / 395 | 92% | $85K | 257 |
| Cash-out refinance | 73% | 168 / 229 | 95% | $125K | 160 |
| Refinance | 74% | 93 / 125 | 83% | $205K | 77 |
| Investment property purchase | 97% | 399 / 411 | 96% | $255K | 383 |
| Investment cash-out refinance | 81% | 39 / 48 | 95% | $185K | 37 |
International Bank of Commerce lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where International Bank of Commerce lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hidalgo County, TX | Investment property purchase | 100% | 58 | 56 |
| Bexar County, TX | Investment property purchase | 96% | 57 | 54 |
| Webb County, TX | Investment property purchase | 93% | 55 | 48 |
| Hidalgo County, TX | Mortgage lenders | 94% | 48 | 42 |
| Harris County, TX | Home improvement loans | 80% | 51 | 37 |
| Montgomery County, TX | Investment property purchase | 100% | 37 | 37 |
| Nueces County, TX | Investment property purchase | 98% | 40 | 37 |
| Webb County, TX | Mortgage lenders | 92% | 40 | 34 |
| Denton County, TX | Investment property purchase | 100% | 32 | 30 |
| Hidalgo County, TX | Home improvement loans | 53% | 62 | 29 |
| Hidalgo County, TX | Cash-out refinance | 69% | 42 | 29 |
| Cameron County, TX | Cash-out refinance | 66% | 35 | 21 |
The county markets where International Bank of Commerce made the most loans. Each link opens that market with every lender ranked.
Questions about International Bank of Commerce
What is International Bank of Commerce's mortgage approval rate?
International Bank of Commerce approved 84.2% of the 2,645 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.2 points above the 81.0% national rate for the same mix of loan types.
How often do borrowers take the loan International Bank of Commerce offers?
Borrowers accepted 95% of the loans International Bank of Commerce approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does International Bank of Commerce make?
The typical home purchase mortgage loan International Bank of Commerce made was $185K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does International Bank of Commerce lend?
International Bank of Commerce decided applications in 5 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Arizona.
Can I apply to International Bank of Commerce directly?
Yes. International Bank of Commerce is a bank or credit union with 170 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show International Bank of Commerce's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how International Bank of Commerce treats applications, then get a rate quote from the lender.