Third Coast Bank mortgage approval rate & lending review
Third Coast Bank decided 264 mortgage applications and funded 253 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Third Coast Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Third Coast Bank at a glance
Approval is 15.2 points above the 82.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 61 / 62 | 100% | $685K | 61 |
| Cash-out refinance | 84% | 27 / 32 | 100% | $595K | 27 |
| Investment property purchase | 100% | 118 / 118 | 99% | $195K | 117 |
Third Coast Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $185K | 249 | 239 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Third Coast Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Grayson County, TX | Investment property purchase | 100% | 24 | 24 |
The county markets where Third Coast Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Third Coast Bank
What is Third Coast Bank's mortgage approval rate?
Third Coast Bank approved 97.7% of the 264 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.2 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan Third Coast Bank offers?
Borrowers accepted 98% of the loans Third Coast Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Third Coast Bank make?
The typical investment property mortgage loan Third Coast Bank made was $195K; across all loan types its typical loan ran from $195K to $685K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Third Coast Bank lend?
Third Coast Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Texas, Florida and Tennessee.
Can I apply to Third Coast Bank directly?
Yes. Third Coast Bank is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Third Coast Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Third Coast Bank treats applications, then get a rate quote from the lender.