International Bank of Commerce at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.6% deniedPricingmedian rate spread over APOR, weight 30%
13th0.97 ptsProcesswithdrawn + incomplete share, weight 15%
20th19.6%Closing coststotal loan costs ÷ loan amount, weight 10%
54th1.81% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,667 | 1,105 | 14.1% | 16.9% | 7.24% | $213M |
| 2024 | 1,370 | 854 | 15.0% | 18.4% | 7.88% | $274M |
| 2025 | 1,142 | 666 | 18.1% | 22.6% | 7.50% | $229M |
What International Bank of Commerce lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 105 investment properties.
Why International Bank of Commerce denies applications
Primary reason reported for each of the 207 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at International Bank of Commerce
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 98 | 38 | 44.7% |
| $50k – $100k | 335 | 181 | 27.1% |
| $100k – $150k | 148 | 79 | 25.2% |
| $150k – $250k | 176 | 101 | 26.9% |
| Over $250k | 323 | 221 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 16 | 23.8% |
| 25–34 | 182 | 120 | 17.2% |
| 35–44 | 331 | 193 | 22.5% |
| 45–54 | 258 | 150 | 22.8% |
| 55–64 | 184 | 96 | 28.1% |
| 65–74 | 94 | 46 | 30.6% |
| Over 74 | 27 | 13 | 28.6% |
Where International Bank of Commerce lends
3 states and 95 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
International Bank of Commerce denied 22.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason International Bank of Commerce gave in 2025 was "debt-to-income ratio", cited on 41.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans International Bank of Commerce originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.97 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 15% for refinancing (including cash-out), and 22% for home improvement or other purposes. By loan type: 97% conventional, 3% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.