Lender profile · HMDA 2023–2025
International Bank of Commerce mortgage approval rates & lending data
International Bank of Commerce decided 2,645 mortgage applications and funded 2,115 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 84% | $185K | 2,555 | 2,038 |
| Oklahoma | 90% | $225K | 87 | 74 |
| Arizona | 100% | $2.17M | 1 | 1 |
| California | 100% | $2.46M | 1 | 1 |
| Florida | 100% | $2M | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.