Third Coast Bank Ssb Mortgage Rates, Fees & Info
Humble, TXLEI: 254900Y3KT6SZM11MQ06
Tax ID: 26-2027557
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Mortgage Data
Review & Overview
Third Coast Bank Ssb is a smaller bank specializing in Home Purchase loans. Third Coast Bank Ssb has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, San Antonio, Sherman, and Beaumont among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)Third Coast Bank Ssb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
154Origination Dollar Volume (All Markets)
$100,300,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 69 | $43,985,000 | $637,464 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $17,260,000 | $1,078,750 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $10,800,000 | $1,800,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $5,225,000 | $746,429 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 18 | $3,430,000 | $190,556 | $0 | 0.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 14 | $3,050,000 | $217,857 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $2,545,000 | $2,545,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $2,340,000 | $585,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $2,255,000 | $2,255,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 0.00% |
| Ardmore, OK (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $1,215,000 | $1,215,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| Bonham, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 154 | $100,300,000 | $651,299 | $0 | 0.00% |
For 2023, Third Coast Bank Ssb's most frequently originated type of loan was Conventional, with 154 originations.
Loan Reason
For 2023, Third Coast Bank Ssb's most frequently cited loan purpose was Home Purchase, with 118 originations. The 2nd most popular reason was Refi, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 154 | $100,300,000 | $651,299 | $0 | 0.00% |
For 2023, Third Coast Bank Ssb's most frequently cited loan duration was Other, with 154 originations.
Loan Sizing
2023 saw Third Coast Bank Ssb place emphasis on $100k-200k loans with 45 originations, totaling $7,105,000 in origination value.
Applicant Income
Third Coast Bank Ssb lent most frequently to those with incomes in the $250k+ range, with 58 originations. The second most popular income band? $150k-250k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 154 | $100,300,000 | $651,299 | $0 | 0.00% |
Third Coast Bank Ssb lent most frequently to those with DTI ratios of Exempt%, with 154 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.75%
Third Coast Bank Ssb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.01%
Third Coast Bank Ssb has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 154 | $100,300,000 | $651,299 |