International Bank of Commerce closing costs and rates (2024)
In 2024, International Bank of Commerce originated 156 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $4,986. That is $1,755 below the national median of $6,741. International Bank of Commerce is most active in Texas with 128 originations there.
Purchase Originations
156
Median Total Costs
$4,986
−26.0% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,300
Median Lender Credits
$32
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.750% | $4,647 | $1,300 |
| fha | 22 | 6.750% | $9,551 | $1,850 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,681 | 6.750% | — | 27 | −$1,305 | |
| 2 | $3,767 | 7.500% | — | 3 | −$1,219 | |
| 3 | $3,899 | 6.125% | — | 4 | −$1,087 | |
| 4 | $4,083 | 6.625% | — | 3 | −$903 | |
| 5 | $4,229 | 6.875% | — | 13 | −$757 | |
| 6 | $4,431 | 7.500% | — | 3 | −$555 | |
| 7 | $4,504 | 6.625% | — | 4 | −$482 | |
| 8 | $4,601 | 7.000% | — | 17 | −$385 | |
| 9 | $4,643 | 6.375% | — | 8 | −$343 | |
| 10 | $5,060 | 7.250% | — | 2 | +$74 | |
| 11 | $5,500 | 6.312% | — | 18 | +$514 | |
| 12 | $5,866 | 7.000% | — | 8 | +$880 | |
| 13 | $6,221 | 6.625% | — | 2 | +$1,235 | |
| 14 | $6,288 | 7.438% | — | 12 | +$1,302 | |
| 15 | $6,599 | 7.125% | — | 2 | +$1,613 | |
| 16 | $6,657 | 6.375% | — | 2 | +$1,671 | |
| 17 | $7,583 | 7.125% | — | 2 | +$2,597 | |
| 18 | $8,030 | 7.562% | — | 2 | +$3,044 | |
| 19 | $9,035 | 6.125% | — | 8 | +$4,049 | |
| 20 | $11,991 | 5.875% | — | 2 | +$7,005 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.