Lenders › International Bank of Commerce › Oklahoma
International Bank of Commerce in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Oklahoma, International Bank of Commerce reported 100 applications and 62 originations for 2024, $9.5m in all.
Its denial rate in the state was 11.0%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 18.4%.
The median rate spread on its Oklahoma originations was 0.9 percentage points (state median 0.5).
Applications in the state were down 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | International Bank of Commerce, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.0% | 23.4% | 18.4% | 24.3% |
| Median rate spread, pp | 0.9 | 0.5 | 1.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 31.7% | 17.5% | 53.2% | 15.6% |
| Average originated loan | $153k | $223k | $321k | $329k |
| Home purchase share | 64.5% | 63.6% | 64.6% | 57.0% |
| FHA-insured share | 14.5% | 17.1% | 2.6% | 13.4% |
| VA-guaranteed share | 1.6% | 11.9% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 65% (40)Home improvement 8% (5)Refinancing 3% (2)Cash-out refinancing 11% (7)Other purpose 13% (8)
By type
Conventional 84% (52)FHA 15% (9)VA 2% (1)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Oklahoma
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did International Bank of Commerce originate in Oklahoma in 2024?
62 loans totalling $9.5m, from 100 applications reported for properties in Oklahoma.
What is International Bank of Commerce's denial rate in Oklahoma?
11.0% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 18.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oklahoma counties does International Bank of Commerce lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.