Origin Bank Mortgage Rates, Fees & Info
Choudrant, LALEI: D8RBTOL3JO2Q6IEO0F34
Tax ID: 72-0124870
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Mortgage Data
Review & Overview
Origin Bank is a smaller bank specializing in Home Purchase and Refi loans. Origin Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Houston, Monroe, Jackson, and Austin among others. We have data for 90 markets. (Some data included below & more in-depth data is available with an active subscription.)Origin Bank 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. Origin Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.52% | 9/18/23 |
| 30 Year Conventional Refi | 6.70% | 9/18/23 |
| 30 Year Cash-out Refi | 6.73% | 9/18/23 |
| 30 Year FHA Purchase | 7.42% | 9/18/23 |
| 30 Year FHA Refi | 7.25% | 9/18/23 |
| 30 Year VA Purchase | 6.42% | 9/18/23 |
| 30 Year VA Refi | 6.06% | 9/18/23 |
| 30 Year USDA Purchase | 6.88% | 9/18/23 |
| 30 Year USDA Refi | 6.27% | 9/18/23 |
| 15 Year Conventional Purchase | 6.33% | 9/18/23 |
| 15 Year Conventional Refi | 6.38% | 9/18/23 |
| 15 Year Cash-out Refi | 6.38% | 9/18/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Origin Bank Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,637Origination Dollar Volume (All Markets)
$802,425,000Awards
Origin Bank - 2022
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For 2022, less than of lenders were eligible for this award.
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Relative Rate
Origin Bank's average 30 year fixed mortgage rate was
4.89%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.13%.
Relative Fees (Closing Costs)
Origin Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,474.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 323 | $193,485,000 | $599,025 | $7,784 | 4.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 132 | $187,740,000 | $1,422,273 | $12,138 | 4.66% |
| MONROE, LA (FHA|USDA|VA) | 346 | $76,400,000 | $220,809 | $5,160 | 5.08% |
| JACKSON, MS (FHA|USDA|VA) | 181 | $53,915,000 | $297,873 | $5,172 | 4.79% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 36 | $43,810,000 | $1,216,944 | $11,549 | 4.00% |
| Ruston, LA (FHA|USDA|VA) | 164 | $43,260,000 | $263,780 | $5,096 | 5.02% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 153 | $30,405,000 | $198,725 | $5,334 | 4.92% |
| Outside of Metro Areas | 79 | $28,405,000 | $359,557 | $6,472 | 4.98% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $19,170,000 | $9,585,000 | $22,605 | 4.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $8,885,000 | $683,462 | $7,875 | 4.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $8,255,000 | $8,255,000 | $12,755 | 4.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $7,125,000 | $2,375,000 | $0 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $6,890,000 | $3,445,000 | $17,820 | 4.25% |
| Oxford, MS (FHA|USDA|VA) | 29 | $6,795,000 | $234,310 | $4,424 | 5.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $6,420,000 | $1,070,000 | $3,795 | 5.20% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 5.00% |
| Heber, UT (FHA|USDA|VA) | 2 | $4,610,000 | $2,305,000 | $4,941 | 4.88% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $3,905,000 | $3,905,000 | $0 | 3.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $3,720,000 | $465,000 | $5,868 | 4.95% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $3,555,000 | $3,555,000 | $0 | 6.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $6,585 | 4.32% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $3,425,000 | $1,141,667 | $16,015 | 5.21% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 7 | $3,385,000 | $483,571 | $4,795 | 5.35% |
| Athens, TX (FHA|USDA|VA) | 9 | $3,315,000 | $368,333 | $7,527 | 5.18% |
| NAPA, CA (FHA|USDA|VA) | 1 | $3,085,000 | $3,085,000 | $0 | 6.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $2,255,000 | $2,255,000 | $6,652 | 3.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $3,233 | 4.77% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $6,216 | 3.50% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,765,000 | $1,765,000 | $0 | 3.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $4,199 | 4.14% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $7,559 | 5.75% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $0 | 5.00% |
| TYLER, TX (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $0 | 6.08% |
| Vicksburg, MS (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $8,478 | 5.76% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $1,195,000 | $1,195,000 | $0 | 7.00% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $14,090 | 3.75% |
| Greenville, MS (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 4.35% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $9,087 | 4.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $4,867 | 3.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $0 | 4.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,127 | 5.72% |
| Minden, LA (FHA|USDA|VA) | 8 | $960,000 | $120,000 | $5,340 | 5.09% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,234 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,821 | 4.75% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $9,298 | 4.92% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,112 | 4.61% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,482 | 5.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,544 | 4.69% |
| Natchez, MS-LA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,448 | 6.69% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 5.00% |
| Greenwood, MS (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $4,155 | 4.53% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,989 | 5.79% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,307 | 3.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,147 | 4.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 4.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,396 | 4.75% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,572 | 6.12% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,764 | 4.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,898 | 5.57% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,856 | 5.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,549 | 7.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,510 | 4.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,122 | 5.25% |
| Paris, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,298 | 5.69% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,379 | 5.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.50% |
| Natchitoches, LA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,683 | 4.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,601 | 4.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,035 | 5.63% |
| Rockport, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,370 | 4.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,334 | 4.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,405 | 4.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,767 | 5.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,604 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.25% |
| Corinth, MS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,203 | 4.31% |
| TULSA, OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,502 | 3.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,854 | 5.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.85% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,371 | 5.63% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,575 | 3.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,581 | 3.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,603 | 5.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,098 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,803 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,189 | 5.25% |
| Searcy, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.69% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,346 | 3.88% |
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Product Mix
For 2022, Origin Bank's most frequently originated type of loan was Conventional, with 1,409 originations. Their 2nd most popular type was FHA, with 140 originations.
Loan Reason
For 2022, Origin Bank's most frequently cited loan purpose was Home Purchase, with 1,095 originations. The 2nd most popular reason was Refi, with 325 originations.
Loan Duration/Length
For 2022, Origin Bank's most frequently cited loan duration was 30 Year, with 1,058 originations. The 2nd most popular length was 5 Year, with 317 originations.
Origination Fees/Closing Costs
Origin Bank's average total fees were $6,474, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 443 originations.
Interest Rates
During 2022, Origin Bank's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 465 originations.
Loan Sizing
2022 saw Origin Bank place emphasis on $200k-400k loans with 607 originations, totaling $170,345,000 in origination value.
Applicant Income
Origin Bank lent most frequently to those with incomes in the $50k-75k range, with 272 originations. The second most popular income band? $100k-150k, with 241 originations.
Applicant Debt to Income Ratio
Origin Bank lent most frequently to those with DTI ratios of 20-30%, with 229 originations. The next most common DTI ratio? 30-36%, with 197 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.66%
Origin Bank has an average approval rate.
Pick Rate
Approvals leading to origination70.86%
Origin Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,637 | $802,425,000 | $490,180 |