International Bank of Commerce in Texas vs the state
18.5%Denial rate-0.94 pts vs state
23.0%Decision denial rate-1.95 pts vs state
58.1%Origination rate+3.26 pts vs state
7.50%Median rate+1.00 pts vs state
0.98Rate spread (pts)+0.79 pts vs state
$134kMedian applicant income
632Loans originated
201Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,552 | 1,028 | 14.2% | 7.24% | #110 |
| 2024 | 1,266 | 789 | 15.6% | 8.00% | #136 |
| 2025 | 1,087 | 632 | 18.5% | 7.50% | #165 |
What International Bank of Commerce lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most International Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 164 | 100 | 27 | 16.5% |
| Bexar County | 117 | 69 | 21 | 17.9% |
| Hidalgo County | 107 | 42 | 31 | 29.0% |
| Travis County | 94 | 65 | 7 | 7.4% |
| Webb County | 86 | 56 | 19 | 22.1% |
| Cameron County | 47 | 19 | 11 | 23.4% |
| Dallas County | 46 | 30 | 7 | 15.2% |
| Tarrant County | 42 | 28 | 8 | 19.0% |
| Collin County | 39 | 25 | 4 | 10.3% |
| Montgomery County | 38 | 23 | 5 | 13.2% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,087 applications in 2025, of which 632 were originated and 201 denied.
18.5% of all applications, or 23.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans International Bank of Commerce originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are International Bank of Commerce's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology