Lenders › International Bank of Commerce › Texas
International Bank of Commerce in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas, International Bank of Commerce reported 1,266 applications and 789 originations for 2024, $258m in all.
Its denial rate in the state was 18.9%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 18.4%.
The median rate spread on its Texas originations was 1.6 percentage points (state median 0.2).
Applications in the state were down 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | International Bank of Commerce, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.9% | 26.0% | 18.4% | 24.3% |
| Median rate spread, pp | 1.6 | 0.2 | 1.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 55.1% | 11.8% | 53.2% | 15.6% |
| Average originated loan | $326k | $350k | $321k | $329k |
| Home purchase share | 64.8% | 72.8% | 64.6% | 57.0% |
| FHA-insured share | 1.6% | 19.8% | 2.6% | 13.4% |
| VA-guaranteed share | 0.3% | 10.4% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 65% (511)Home improvement 13% (100)Refinancing 5% (43)Cash-out refinancing 9% (69)Other purpose 8% (66)
By type
Conventional 98% (774)FHA 2% (13)VA 0% (2)
Denial reasons as coded
Share of 198 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 165 | 107 | $24m | 18.3% |
| Bexar County | 115 | 73 | $21m | 19.1% |
| Hidalgo County | 138 | 63 | $11m | 27.7% |
| Travis County | 93 | 61 | $16m | 14.9% |
| Webb County | 94 | 57 | $11m | 24.4% |
| Collin County | 73 | 50 | $7.7m | 11.5% |
| Williamson County | 61 | 41 | $7.4m | 8.5% |
| Denton County | 55 | 41 | $6.4m | 12.2% |
| Montgomery County | 48 | 37 | $7.8m | 4.9% |
| Dallas County | 51 | 31 | $5.6m | 20.9% |
| Cameron County | 69 | 26 | $3.7m | 34.6% |
| Fort Bend County | 39 | 21 | $3.4m | 28.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did International Bank of Commerce originate in Texas in 2024?
789 loans totalling $258m, from 1,266 applications reported for properties in Texas.
What is International Bank of Commerce's denial rate in Texas?
18.9% of decided applications in Texas were denied, against 26.0% 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 Texas counties does International Bank of Commerce lend in most?
By originations: Harris County (107), Bexar County (73), Hidalgo County (63), Travis County (61), Webb County (57).
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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.