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 score and performance metrics.

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 an overall pricing score of 31.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is International Bank of Commerce?

International Bank of Commerce is a Bank headquartered in Laredo, TX.

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International Bank of Commerce

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International Bank of Commerce has 241 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · Jumbo

Place

Sound

3/5

Regional · 7 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

International Bank of Commerce performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+47.2 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

206 loans · 0.43% above market

Sound

Top 60% of lenders

3/5

FHA

21 loans · 0.86% above market

Sound

Top 60% of lenders

3/5

Jumbo

11 loans · 0.65% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

192 loans · 0.42% above market

Sound

Top 60% of lenders

3/5

Refinance

49 loans · 0.68% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 8 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	206	85.5%	+0.427%Above	$1,761Fees
FHA Loans	Sound	Sound	Acceptable	Sound	21	8.7%	+0.856%Above	$2,361Fees
Jumbo Loans	Sound	Sound	—	—	11	4.6%	+0.647%Above	$2,459Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume206

Mix85.5%

Spread

+0.427%Above

Fees

$1,761Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume21

Mix8.7%

Spread

+0.856%Above

Fees

$2,361Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix4.6%

Spread

+0.647%Above

Fees

$2,459Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	192	79.7%	+0.424%Above	$1,830Fees
Refinance	Sound	Sound	Acceptable	Sound	49	20.3%	+0.677%Above	$1,967Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume192

Mix79.7%

Spread

+0.424%Above

Fees

$1,830Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume49

Mix20.3%

Spread

+0.677%Above

Fees

$1,967Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

241

Applications

399

Volume

$73 million

Pricing & Closing

Avg Rate Spread

+0.472%

vs. market APOR

Avg Net Fees

$1,856

Origination − Credits

Pullthrough Rate

60.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$306,079

Avg Borrower Income

$166,158

Avg Property Value

$431,058

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 5050+None

South3

FLOKTX

Top Metro Areas by Place Specialization Score

McAllen, TXMetro

Volume 35Mix 14.52% of portfolio

65/100

Strong

Laredo, TXMetro

Volume 16Mix 6.64% of portfolio

61/100

Strong

Austin, TXMetro

Volume 39Mix 16.18% of portfolio

61/100

Strong

Houston, TXMetro

Volume 46Mix 19.09% of portfolio

59/100

Sound

San Antonio, TXMetro

Volume 30Mix 12.45% of portfolio

55/100

Sound

Tulsa, OKMetro

Volume 18Mix 7.47% of portfolio

50/100

Sound

Brownsville, TXMetro

Volume 12Mix 4.98% of portfolio

49/100

Sound

Top States by Place Specialization Score

TexasState

Volume 202Mix 83.82% of portfolio

70/100

Strong

OklahomaState

Volume 38Mix 15.77% of portfolio

57/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.