International Bank of Commerce - Nationwide Branches

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Branch	Address	View Lobby Hours
Wal-Mart Instore So. Hwy 83	4401 Hwy 83 South, Laredo, TX 78046	View Lobby Hours
Main Branch	439 Main Street, Eagle Pass, TX 78852	View Lobby Hours
Instore Wal-Mart Mccoll Branch	4104 Mccoll, Edinburg, TX 78539	View Lobby Hours
Pharr Branch	401 South Cage Blvd, Pharr, TX 78577	View Lobby Hours
In-Store Walmart Nolana	4001 N. 23rd - Wal-Mart, Mcallen, TX 78504	View Lobby Hours
Edinburg Branch	400 South Closner, Edinburg, TX 78539	View Lobby Hours
Montrose Branch	3939 Montrose, Houston, TX 77006	View Lobby Hours
Schertz Branch	3800 Fm-3009, Schertz, TX 78154	View Lobby Hours
North 10th St Branch	3600 N 10th St, Mcallen, TX 78501	View Lobby Hours
Richland Hills Branch	327 S.W. Loop 410, San Antonio, TX 78245	View Lobby Hours
In-Store Friendswood Branch	3135 Fm 528, Friendswood, TX 77546	View Lobby Hours
Brooks Corner Branch	3119 S.E. Military Drive, San Antonio, TX 78223	View Lobby Hours
311 North Virginia Branch (Main)	311 North Virginia, Port Lavaca, TX 77979	View Lobby Hours
Uvalde Instore Wal-Mart Branch	3100 E. Main, Uvalde, TX 78801	View Lobby Hours
Sinton Branch	301 West Sinton Street, Sinton, TX 78387	View Lobby Hours
Cedar Park Branch	301 W. Whitestone, Cedar Park, TX 78613	View Lobby Hours
El Banquito Branch	301 South 10th, Mcallen, TX 78501	View Lobby Hours
Palms Crossing - Mcallen Branch	2900 W. Expressway 83, Mcallen, TX 78501	View Lobby Hours
Austin Branch	2817 E. Cesar Chavez Street, Austin, TX 78702	View Lobby Hours
Rockport Branch	2701 Highway 35 North, Rockport, TX 78382	View Lobby Hours
East Branch	2538 Main Street, Eagle Pass, TX 78852	View Lobby Hours
In-Store Walmart Aransas Pass	2501 West Wheeler, Aransas Pass, TX 78336	View Lobby Hours
San Isidro Branch	2442 San Isidro Parkway, Laredo, TX 78045	View Lobby Hours
Jacaman Rd Branch	2418 Jacaman, Laredo, TX 78041	View Lobby Hours
Laredo South Branch	2415 South Zapata Highway, Laredo, TX 78046	View Lobby Hours
Service Center	2416 Ceegee Street, San Antonio, TX 78217	View Lobby Hours
In-Store Walmart Mission	2410 East Highway 83, Mission, TX 78572	View Lobby Hours
In-Store Walmart Del Rio	2410 Dodson - Wal-Mart, Del Rio, TX 78840	View Lobby Hours
Marble Falls Branch	2401 Hwy. 281, Marble Falls, TX 78654	View Lobby Hours
23rd & Trenton Branch	23rd & Trenton, Mcallen, TX 78504	View Lobby Hours
Ibc - Eagle Pass - Downtown	2329 Main Street, Eagle Pass, TX 78852	View Lobby Hours
Wall Mart Instore Loop 20 Branch	2320 Bob Bullock Loop 20, Laredo, TX 78046	View Lobby Hours
In-Store South Park Mall Branch	2310 Sw Military Dr. Ste. 216, San Antonio, TX 78224	View Lobby Hours
Banquito Las Minas Branch	2305 Del Rio Blvd., Eagle Pass, TX 78852	View Lobby Hours
Dickenson Branch	2304 West Fm 646, League City, TX 77573	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1928741	5.813%	5.750% 0.75 points $2,205 fees	$1,868	Learn More
NMLS ID: 2440475	5.836%	5.625% 1.00 points $7,545 fees	$1,843	Learn More
NMLS ID: 292473	5.872%	5.750% 0.75 points $4,277 fees	$1,868	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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