# International Bank of Commerce

> **Canonical URL:** https://saferate.com/lenders/international-bank-of-commerce


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


International Bank of Commerce is a bank, headquartered in Laredo, TX, serving borrowers across 3 states, with 241 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005GNZ6EJFS7LM83
- **Headquarters:** Laredo, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, OK, TX
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.472%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,856
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 241
- **Dollar Volume:** $74 million
- **Applications Received:** 399
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $306,079
- **Average Borrower Income:** $166,158
- **Average Property Value:** $431,058

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 206 | +0.427% | $1,761 | Sound ☺️ |
| FHA | 52/100 | 21 | +0.856% | $2,361 | Sound ☺️ |
| Jumbo | 59/100 | 11 | +0.647% | $2,459 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 159 loans, Score: 55/100 (Sound)
- Refinance: 47 loans, Score: 53/100 (Sound)

**FHA:**
- Purchase: 21 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 192 | $60M | +0.424% | Sound ☺️ |
| Refinance | 52/100 | 49 | $13M | +0.677% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 202 | 0.06% | 70/100 |
| OK | 38 | 0.09% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 46 | 59/100 |
| Austin | TX | 39 | 61/100 |
| McAllen | TX | 35 | 65/100 |
| San Antonio | TX | 30 | 55/100 |
| Tulsa, OK | OK | 18 | 50/100 |
| Laredo, TX | TX | 16 | 61/100 |
| Non |  | 15 | 27/100 |
| Brownsville | TX | 12 | 49/100 |

## Where This Lender Ranks

International Bank of Commerce appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Laredo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in McAllen Banks
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks)
- 🏆 **#6** in Brownsville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in McAllen for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Laredo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does International Bank of Commerce offer?

International Bank of Commerce offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does International Bank of Commerce offer mortgages?

International Bank of Commerce offers mortgages in 3 states: FL, OK, TX.

### How competitive are International Bank of Commerce's mortgage rates?

International Bank of Commerce has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.472% above market average.

### What type of lender is International Bank of Commerce?

International Bank of Commerce is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Laredo, TX.

### What is International Bank of Commerce's loan approval success rate?

International Bank of Commerce has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/international-bank-of-commerce

### How to Cite

> "International Bank of Commerce Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/international-bank-of-commerce

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