Applications / Mortgage Analytics / Lenders / Texas / Third Coast Bank
Humble, TX · State member bank · FRS · $5.3 billion assets · 88 loans in 2025
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88
loans originated, 2025
100
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Third Coast Bank, a Texas bank with $5.3 billion of assets, makes few mortgages, but big ones, and spreads them across eight states.
The typical loan in 2025 was $405,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), larger than about nine in ten of them. 15.5% of its loans were jumbo (larger than the conforming limit), against 1.5%. With fewer loans than the typical peer it lent more than twice as much: $60.5 million against $27.1 million.
Its 88 loans reached 35 counties in 18 metros. In Houston, its largest market, it ranked 238 of 929 with a 0.1% share; United Wholesale Mortgage led. In 2025 it began lending in Victoria, Texas, and Myrtle Beach, among others. Outside Houston it is a minor presence in each market.
It made 88 loans, against 90 the year before, a fall of 2% while similar lenders grew 8%. That is well below the 215 of 2022. It filed no report for 2020 or 2021, so those years are a gap in the record.
26.1% of its loans went to majority-minority neighborhoods, against 5.6% at similar lenders, more than about six in seven of them. Only 8.3% went to low- and moderate-income borrowers, against 27.3%. One possible reason is loan size: a lender whose typical loan is more than twice its peers' may serve borrowers with higher incomes.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Third Coast Bank took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.8% · Refinance 37.5% · Home improvement 3.4% · Other 2.3%
Conventional 100.0% · of 88 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 76 | 86.4% |
| Oklahoma | 5 | 5.7% |
| Colorado | 2 | 2.3% |
| Florida | 1 | 1.1% |
| Indiana | 1 | 1.1% |
| North Carolina | 1 | 1.1% |
| South Carolina | 1 | 1.1% |
| Tennessee | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 37 |
| San Antonio-New Braunfels | 9 |
| Dallas-Plano-Irving | 7 |
| Beaumont-Port Arthur | 6 |
| Austin-Round Rock-San Marcos | 3 |
| Sherman-Denison | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Abilene | 1 |
| Asheville | 1 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Y3KT6SZM11MQ06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3630323 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358716 | 2009–2017 |
Established 25 February 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Third Coast Bank's data.
Third Coast Bank's data
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