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International Bank of Commerce

Laredo, TX

International Bank of Commerce processed 1,495 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 854 loans with a 13.8% denial rate. Home Purchase was the primary loan purpose. Based in Laredo, TX. The approval rate of 57.1% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. International Bank of Commerce's 57.1% origination rate tells you how often an application turned into funded money; the 13.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,446 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,495
Applications
854
Originated
13.8%
Denial Rate
$300,518
Avg Loan Amount
Avg Interest Rate: 7.756% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,446 829 201 $302,732
FHA 45 22 5 $235,667
VA 4 3 0 $230,000

Top loan types - International Bank of Commerce

Top loan types - International Bank of Commerce Horizontal bar chart of the top 3 items by value (applications). Top loan types - International Bank of Commerce Top 3 1. Conventional 1,446 2. FHA 45 3. VA 4 Top 5 loan types by application volume at International Bank of Commerce (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for International Bank of Commerce (LEI: 5493005GNZ6EJFS7LM83) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
92
Debt-to-income ratio
81
Other
26
Collateral
18
Employment history
6
Insufficient cash
5
Credit application incomplete
2
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 873 552 $402,675
Home Improvement 191 105 $99,503
Cash-out Refinancing 175 77 $210,429
Other 154 74 $115,909
Refinancing 102 46 $235,882

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 922 57.6% 15.3%
Asian 211 59.2% 9.9%
Black or African American 84 42.9% 19.1%
Joint * 25 64.0% 8.0%
American Indian or Alaska Native * 24 54.2% 25.0%
Native Hawaiian or Other Pacific Islander * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 747 60.5% 10.7%
Hispanic or Latino 524 50.0% 20.8%
Joint 51 62.8% 9.8%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare International Bank of Commerce vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did International Bank of Commerce process?
International Bank of Commerce processed 1,495 mortgage applications in the 2024 HMDA reporting year. Of these, 854 were originated (approved and funded), 206 were withdrawn by the applicant, and 206 were denied.
What is International Bank of Commerce's mortgage approval rate?
International Bank of Commerce has an approval (origination) rate of 57.1%, meaning 57.1% of all applications resulted in a funded mortgage. The denial rate is 13.8%.
What is the average loan amount at International Bank of Commerce?
The average mortgage loan amount at International Bank of Commerce is $300,518. The average interest rate is 7.756%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at International Bank of Commerce?
The most common reasons for mortgage denial at International Bank of Commerce are: Credit history, Debt-to-income ratio, Other. In total, 206 applications were denied out of 1,495 total applications.
What types of mortgage loans does International Bank of Commerce offer?
International Bank of Commerce processes Conventional, FHA, VA loans. The most common type is Conventional with 1,446 applications and an average loan amount of $302,732.
What loan purposes does International Bank of Commerce serve?
International Bank of Commerce serves the following loan purposes: Home Purchase (873 applications), Home Improvement (191 applications), Cash-out Refinancing (175 applications), Other (154 applications), Refinancing (102 applications). Home Purchase is the most common purpose.
Where is International Bank of Commerce located?
International Bank of Commerce is headquartered in Laredo, TX. The lender is identified by LEI 5493005GNZ6EJFS7LM83 in HMDA data.
How does International Bank of Commerce compare in lending across racial demographics?
International Bank of Commerce reports demographic lending data under HMDA requirements. White applicants have an approval rate of 57.6% and denial rate of 15.3%; Asian applicants have an approval rate of 59.2% and denial rate of 9.9%; Black or African American applicants have an approval rate of 42.9% and denial rate of 19.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.