Purchase Originations
220
Median Total Costs
$4,996
−25.2% vs national ($6,680)
↑ $10 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,300
Median Lender Credits
$28
Denial Rate
11.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 209 | 6.250% | $4,850 | $1,300 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,093 | 6.125% | — | 4 | −$903 | |
| 2 | $4,322 | 6.500% | — | 2 | −$674 | |
| 3 | $4,355 | 6.250% | — | 13 | −$641 | |
| 4 | $4,721 | 6.000% | — | 50 | −$275 | |
| 5 | $4,826 | 6.250% | — | 27 | −$170 | |
| 6 | $4,915 | 7.188% | — | 2 | −$81 | |
| 7 | $4,964 | 6.812% | — | 4 | −$32 | |
| 8 | $5,015 | 6.000% | — | 19 | +$19 | |
| 9 | $5,039 | 5.750% | — | 37 | +$43 | |
| 10 | $5,363 | 7.000% | — | 3 | +$367 | |
| 11 | $5,418 | 7.000% | — | 13 | +$422 | |
| 12 | $5,424 | 6.625% | — | 7 | +$428 | |
| 13 | $5,495 | 6.250% | — | 7 | +$499 | |
| 14 | $5,803 | 6.000% | — | 2 | +$807 | |
| 15 | $6,167 | 6.812% | — | 10 | +$1,171 | |
| 16 | $6,397 | 6.062% | — | 2 | +$1,401 | |
| 17 | $6,511 | 6.250% | — | 1 | +$1,515 | |
| 18 | $6,595 | 6.000% | — | 1 | +$1,599 | |
| 19 | $7,150 | 6.000% | — | 2 | +$2,154 | |
| 20 | $8,886 | 6.500% | — | 2 | +$3,890 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | International Bank of Commerce | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,996 | $7,127 | −$2,131 (−29.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.