Origin Bank Mortgage Rates, Fees & Info
Choudrant, LALEI: D8RBTOL3JO2Q6IEO0F34
Tax ID: 72-0124870
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Dallas, Houston, Monroe, Ruston, and Shreveport among others. Origin Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Origin Bank is typically an average fee lendor.Originations
2,494Origination Dollar Volume (All Markets)
$821,840,000Employee count
681Awards
Origin Bank - 2021
Origin Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Origin Bank's average 30 year fixed rate mortgage of loans were
3.06%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.09%.
Relative Fees
Origin Bank's average total fees for a 30 year fixed rate
mortgage are $5,029.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 470 | $184,370,000 | $392,277 | $5,540 | 3.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 279 | $144,535,000 | $518,047 | $6,568 | 3.26% |
| MONROE, LA (FHA|USDA|VA) | 581 | $116,975,000 | $201,334 | $4,413 | 3.38% |
| Ruston, LA (FHA|USDA|VA) | 296 | $59,630,000 | $201,453 | $3,720 | 3.51% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 196 | $54,580,000 | $278,469 | $4,007 | 3.35% |
| JACKSON, MS (FHA|USDA|VA) | 195 | $51,785,000 | $265,564 | $4,218 | 3.11% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 120 | $42,370,000 | $353,083 | $4,763 | 2.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $29,815,000 | $3,312,778 | $4,148 | 3.39% |
| Outside of Metro Areas | 86 | $24,840,000 | $288,837 | $4,107 | 3.23% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 42 | $15,690,000 | $373,571 | $7,267 | 3.12% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $7,985,000 | $1,597,000 | $5,056 | 3.90% |
| Oxford, MS (FHA|USDA|VA) | 25 | $5,225,000 | $209,000 | $3,083 | 3.66% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $3,925,000 | $1,308,333 | $3,761 | 3.45% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $3,640,000 | $1,820,000 | $8,115 | 3.06% |
| Bay City, TX (FHA|USDA|VA) | 1 | $3,605,000 | $3,605,000 | $0 | 3.95% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $3,105,000 | $443,571 | $3,407 | 3.92% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $7,103 | 3.35% |
| Heber, UT (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $6,125 | 3.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $9,567 | 3.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $2,425,000 | $2,425,000 | $0 | 4.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $2,385,000 | $2,385,000 | $0 | 4.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,725 | 3.55% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $5,142 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $2,285,000 | $761,667 | $0 | 4.16% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $3,494 | 3.26% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $2,135,000 | $711,667 | $8,709 | 4.03% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $2,000,000 | $1,000,000 | $14,161 | 3.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $1,975,000 | $1,975,000 | $8,213 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $6,034 | 2.96% |
| Borger, TX (FHA|USDA|VA) | 1 | $1,785,000 | $1,785,000 | $0 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $3,599 | 2.85% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 4.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $1,470,000 | $183,750 | $3,683 | 2.97% |
| Minden, LA (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $3,357 | 3.40% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $3,099 | 3.17% |
| Granbury, TX (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $8,215 | 3.56% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 3.86% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $6,637 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $4,355 | 3.49% |
| HATTIESBURG, MS (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $3,405 | 2.88% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $5,629 | 3.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $4,031 | 3.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $7,118 | 3.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $5,951 | 3.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $2,492 | 2.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,189 | 2.92% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $8,588 | 3.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $0 | 4.69% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $7,723 | 3.50% |
| Athens, TX (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,578 | 3.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,523 | 3.04% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,433 | 3.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,241 | 3.13% |
| Vicksburg, MS (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,932 | 3.06% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,961 | 3.44% |
| Starkville, MS (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $2,871 | 2.91% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,821 | 3.56% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 4.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,371 | 3.50% |
| Edwards, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,068 | 3.13% |
| Natchez, MS-LA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,879 | 4.17% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.00% |
| Greenwood, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,191 | 3.06% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,066 | 3.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,980 | 2.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,795 | 3.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,623 | 3.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 4.00% |
| Greenville, MS (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,552 | 2.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,625 | 2.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,499 | 3.06% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,593 | 2.88% |
| Brenham, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,259 | 3.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,601 | 2.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,648 | 2.50% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.39% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,961 | 3.38% |
| Grenada, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,560 | 3.69% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.25% |
| Taos, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,710 | 2.88% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,922 | 4.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,145 | 2.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,982 | 2.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,943 | 3.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,271 | 2.88% |
| Bonham, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,577 | 2.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,844 | 3.63% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,822 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,251 | 2.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,339 | 2.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,779 | 2.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,289 | 3.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,512 | 3.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,238 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,688 | 3.38% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,679 | 3.25% |
| Crossville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,521 | 3.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,944 | 2.63% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,370 | 3.13% |
| ENID, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,541 | 2.50% |
| Meridian, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,678 | 2.50% |
| West Point, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,939 | 3.00% |
| Indianola, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,445 | 2.38% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,079 | 2.88% |
Origin Bank's top markets include Dallas, Houston, Monroe, Ruston, and Shreveport among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,137 | $743,005,000 | $347,686 | $4,411 | 3.33% |
| FHA | 216 | $46,090,000 | $213,380 | $7,507 | 3.01% |
| VA | 76 | $21,100,000 | $277,632 | $6,008 | 2.72% |
| USDA | 65 | $11,645,000 | $179,154 | $4,998 | 2.74% |
For the 2021 period, Origin Bank's most frequently originated loan type of loans were Conventional, with 2,137 originations. Their 2nd most popular type is FHA, with 216 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,269 | $434,465,000 | $342,368 | $5,559 | 3.26% |
| Refi | 865 | $237,035,000 | $274,029 | $3,772 | 3.24% |
| Cash Out Refi | 352 | $149,280,000 | $424,091 | $4,705 | 3.32% |
| Home Improvement | 5 | $755,000 | $151,000 | $1,110 | 4.93% |
| Other | 3 | $305,000 | $101,667 | $670 | 5.59% |
For the 2021, Origin Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,269 originations. The 2nd most popular reason of loans were Refi, with 865 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,622 | $527,080,000 | $324,957 | $5,029 | 3.06% |
| 5 Year | 331 | $117,245,000 | $354,215 | $637 | 4.51% |
| 15 Year | 287 | $62,355,000 | $217,265 | $3,408 | 2.61% |
| Other | 110 | $32,770,000 | $297,909 | $3,702 | 4.12% |
| 20 Year | 73 | $18,125,000 | $248,288 | $3,623 | 2.90% |
| 30+ year | 30 | $24,220,000 | $807,333 | $13,726 | 3.52% |
| 1 Year | 22 | $36,530,000 | $1,660,455 | $2,875 | 4.77% |
| 10 Year | 12 | $1,620,000 | $135,000 | $2,917 | 3.58% |
| 3 Year | 7 | $1,895,000 | $270,714 | $0 | 4.36% |
For the 2021, Origin Bank's most frequently cited loan length of loans were 30 Year, with 1,622 originations. The 2nd most popular length of loans were 5 Year, with 331 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,119 | $288,885,000 | $258,164 |
| $1k-2k | 586 | $228,530,000 | $389,983 |
| $2k-3k | 154 | $42,330,000 | $274,870 |
| $3k-4k | 115 | $35,845,000 | $311,696 |
| $5k+ | 68 | $39,520,000 | $581,176 |
$5,029 of loans were Origin Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,119 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,020 | $298,460,000 | $292,608 |
| 3-4% | 833 | $372,305,000 | $446,945 |
| 4-5% | 290 | $66,930,000 | $230,793 |
| <2.5% | 284 | $72,500,000 | $255,282 |
| 5-6% | 46 | $4,620,000 | $100,435 |
| 6-7% | 19 | $6,955,000 | $366,053 |
| 7-8% | 1 | $55,000 | $55,000 |
| Over 8% | 1 | $15,000 | $15,000 |
During 2021, Origin Bank's average interest rate of loans were 3.06%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,020 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 982 | $270,350,000 | $275,305 | $4,771 | 3.00% |
| $100k-200k | 762 | $115,930,000 | $152,139 | $3,812 | 3.28% |
| $100,000 or less | 287 | $18,545,000 | $64,617 | $2,656 | 4.14% |
| $400k-600k | 276 | $131,870,000 | $477,790 | $6,344 | 3.10% |
| $1MM+ | 104 | $222,730,000 | $2,141,635 | $12,054 | 3.53% |
| $600k-1MM | 83 | $62,415,000 | $751,988 | $7,274 | 3.51% |
2021 saw Origin Bank place emphasis on $200k-400k loans with 982 originations, totaling $270,350,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 449 | $126,005,000 | $280,635 | $4,588 | 3.02% |
| $50k-75k | 435 | $84,235,000 | $193,644 | $4,539 | 3.12% |
| $75k-100k | 329 | $74,775,000 | $227,280 | $4,457 | 3.06% |
| $150k-250k | 304 | $108,610,000 | $357,270 | $5,133 | 3.12% |
| $50k or less | 288 | $43,090,000 | $149,618 | $4,063 | 3.18% |
| $250k+ | 265 | $198,585,000 | $749,377 | $7,010 | 3.29% |
Origin Bank lent most frequently to those with incomes in the $100k-150k range, with 449 originations. The second most popular income band? $50k-75k, with 435 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 461 | $147,315,000 | $319,555 | $4,296 | 3.00% |
| 30-36% | 383 | $114,385,000 | $298,655 | $4,559 | 3.03% |
| <20% | 241 | $91,565,000 | $379,938 | $4,537 | 2.99% |
| 42% | 86 | $24,790,000 | $288,256 | $5,363 | 3.07% |
| 38% | 83 | $23,445,000 | $282,470 | $4,727 | 3.14% |
| 40% | 82 | $24,590,000 | $299,878 | $4,762 | 2.98% |
| 44% | 80 | $22,580,000 | $282,250 | $5,029 | 3.10% |
| 50-60% | 75 | $26,795,000 | $357,267 | $7,624 | 2.98% |
| 37% | 73 | $20,605,000 | $282,260 | $4,496 | 3.14% |
| 36% | 65 | $19,975,000 | $307,308 | $5,020 | 3.05% |
| 43% | 65 | $18,445,000 | $283,769 | $5,292 | 3.04% |
| 39% | 65 | $20,365,000 | $313,308 | $5,172 | 3.08% |
| 46% | 51 | $13,985,000 | $274,216 | $5,266 | 2.98% |
| 41% | 48 | $13,360,000 | $278,333 | $4,962 | 3.13% |
| 47% | 44 | $12,350,000 | $280,682 | $5,463 | 2.94% |
| 49% | 44 | $10,910,000 | $247,955 | $5,478 | 2.96% |
| 45% | 41 | $14,225,000 | $346,951 | $4,854 | 3.00% |
| 48% | 31 | $8,945,000 | $288,548 | $5,839 | 2.95% |
| >60% | 2 | $950,000 | $475,000 | $4,260 | 4.70% |
Origin Bank lent most frequently to those with DTI ratios of 20-30%, with 461 originations. The next most common DTI ratio? 30-36%, with 383 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,805 | $540,835,000 | $299,632 | $4,672 | 3.09% |
| Not applicable | 342 | $164,950,000 | $482,310 | $0 | 4.27% |
| Not provided | 122 | $52,660,000 | $431,639 | $5,768 | 3.13% |
| Black | 151 | $32,605,000 | $215,927 | $5,503 | 3.31% |
| Asian | 62 | $26,890,000 | $433,710 | $5,512 | 2.95% |
| American Indian | 8 | $2,630,000 | $328,750 | $6,121 | 3.02% |
| Chinese | 1 | $805,000 | $805,000 | $0 | 4.00% |
| Native Hawaiian | 2 | $430,000 | $215,000 | $4,280 | 3.00% |
| Guamanian | 1 | $35,000 | $35,000 | $0 | 4.50% |
Approval Rates
Total approvals of all applications93.33%
Origin Bank has an average approval rate.
Pick Rate
Approvals leading to origination78.96%
Origin Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $15,000 | $15,000 |
| NA | 2,493 | $821,825,000 | $329,653 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,494 | $821,840,000 | $329,527 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 161 | $26,125,000 | $162,267 | $3,501 | 3.73% |
| 40-60% | 407 | $114,665,000 | $281,732 | $4,095 | 3.28% |
| 60-80% | 850 | $349,090,000 | $410,694 | $4,416 | 3.30% |
| 80-100% | 993 | $313,925,000 | $316,138 | $5,454 | 3.12% |
| Over 100% | 21 | $6,415,000 | $305,476 | $10,913 | 3.09% |
| Under 20% | 38 | $5,200,000 | $136,842 | $1,980 | 4.89% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Origin Bank | 1511 Binz Street Houston, TX 77004 | Full Service B&M | $74,419 |
| Origin Bank | 1011 Cooktown Road Ruston, LA 71270 | Full Service B&M | $24,861 |
| Origin Bank | 1059 East County Line Road, Suite C Jackson, MS 39211 | Full Service B&M | $1,605 |
| Origin Bank | 1063 Highland Colony Parkway Ridgeland, MS 39157 | Full Service B&M | $269,011 |
| Origin Bank | 120 City Center Drive Jackson, MS 39211 | Full Service B&M | $42,797 |
| Origin Bank | 12600 Memorial Drive Houston, TX 77024 | Full Service B&M | $45,503 |
| Origin Bank | 1312 University Avenue Oxford, MS 38655 | Full Service B&M | $55,231 |
| Origin Bank | 1350 East 70th Street Shreveport, LA 71105 | Full Service B&M | $170,283 |
| Origin Bank | 1500 Sterlington Road Monroe, LA 71203 | Full Service B&M | $35,716 |
| Origin Bank | 418 Cherry Street Bernice, LA 71222 | Full Service B&M | $43,739 |
| Origin Bank | 5084 Cypress Street West Monroe, LA 71291 | Full Service B&M | $31,659 |
| Origin Bank | 5324 Kirby Drive Houston, TX 77005 | Full Service B&M | $169,953 |
| Origin Bank | 570 Throckmorton Street Fort Worth, TX 76102 | Full Service B&M | $244,718 |
| Origin Bank | 5800 Camp Bowie Boulevard Suite 100 Fort Worth, TX 76107 | Full Service B&M | $36,182 |
| Origin Bank | 6124 Berkshire Lane Dallas, TX 75225 | Full Service B&M | $194,809 |
| Origin Bank | 6767 Fm 1960 West Houston, TX 77069 | Full Service B&M | $58,655 |
| Origin Bank | 7720 North Macarthur Boulevard Irving, TX 75063 | Full Service B&M | $46,709 |
| Origin Bank | 7777 Forest Lane, Suite C-130 Dallas, TX 75230 | Full Service B&M | $37,161 |
| Origin Bank | 8002 Kirby Drive Houston, TX 77054 | Full Service B&M | $37,721 |
| Origin Bank | 929 Sterlington Hwy Farmerville, LA 71241 | Full Service B&M | $34,288 |
| Origin Bank | 960 Memorial City Way Houston, TX 77024 | Full Service B&M | $429,677 |
| Origin Bank | 2501 Research Forest Drive, Suite A The Woodlands, TX 77381 | Full Service B&M | $77,526 |
| Origin Bank | 2790 Airline Drive Bossier City, LA 71111 | Full Service B&M | $41,016 |
| Origin Bank | 2995 Highway 80 West Calhoun, LA 71225 | Full Service B&M | $25,798 |
| Origin Bank | 301 West Alabama Avenue Ruston, LA 71270 | Full Service B&M | $41,005 |
| Origin Bank | 305 South Vienna Street Ruston, LA 71270 | Limited, Drive-thru | $0 |
| Origin Bank | 308 Market Street Shreveport, LA 71101 | Full Service B&M | $343,922 |
| Origin Bank | 3200 West 7th Street Fort Worth, TX 76107 | Full Service B&M | $115,049 |
| Origin Bank | 3201 Dallas Parkway, Suite 100 Frisco, TX 75034 | Full Service B&M | $396,761 |
| Origin Bank | 3838 Oak Lawn Avenue Suite P-100 Dallas, TX 75219 | Full Service B&M | $627,887 |
| Origin Bank | 384 E. Stacy Road Allen, TX 75002 | Full Service B&M | $48,390 |
| Origin Bank | 3921 Elm Street Choudrant, LA 71227 | Limited, Mobile/Seasonal Office | $0 |
| Origin Bank | 3921 Elm Street Choudrant, LA 71227 | Limited, Mobile/Seasonal Office | $0 |
| Origin Bank | 3921 Elm Street Choudrant, LA 71227 | Full Service B&M | $48,679 |
| Origin Bank | 1511 North Trenton Street Ruston, LA 71270 | Full Service B&M | $876,138 |
| Origin Bank | 1702 Fountain View Drive Houston, TX 77057 | Full Service B&M | $72,875 |
| Origin Bank | 1800 Hudson Lane Monroe, LA 71201 | Full Service B&M | $164,725 |
| Origin Bank | 1808 Sylvan Avenue Dallas, TX 75208 | Full Service B&M | $55,400 |
| Origin Bank | 1910 Main Street Madison, MS 39110 | Full Service B&M | $95,258 |
| Origin Bank | 1927 East Madison Avenue Bastrop, LA 71220 | Full Service B&M | $50,793 |
| Origin Bank | 200 North Main Street Farmerville, LA 71241 | Full Service B&M | $139,915 |
| Origin Bank | 2010 Farmerville Highway Ruston, LA 71270 | Full Service B&M | $46,130 |
| Origin Bank | 203 Promenade Boulevard Flowood, MS 39232 | Full Service B&M | $54,357 |
| Origin Bank | 2049 West Gray Street Houston, TX 77019 | Full Service B&M | $108,736 |
| Origin Bank | 2211 North 7th Street West Monroe, LA 71291 | Full Service B&M | $178,148 |
| Origin Bank | 2400 Forsythe Ave. Monroe, LA 71201 | Full Service B&M | $384,248 |
For 2021, Origin Bank had 46 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $241,398 |
| Net interest income | $220,307 |
| Total noninterest income | $41,167 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $7,588 |
| Trading account gains and fees | $-1,966 |
| Additional Noninterest Income | $35,545 |
| Pre-tax net operating income | $128,188 |
| Securities gains (or losses, -) | $1,748 |
| Income before extraordinary items | $106,570 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $106,570 |
| Minority interest net income | $0 |
| Net income | $106,570 |
| Sale, conversion, retirement of capital stock, net | $2,279 |
| Net operating income | $105,136 |
Origin Bank's gross interest income from loans was $241,398,000.
Origin Bank's net interest income from loans was $220,307,000.
Origin Bank's fee based income from loans was $7,588,000.
Origin Bank's net income from loans was $106,570,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $21,091 |
| Provision for credit losses | $-10,765 |
| Total noninterest expense | $144,051 |
| Salaries and employee benefits | $82,408 |
| Premises and equipment expense | $16,392 |
| Additional noninterest expense | $45,251 |
| Applicable income taxes | $23,366 |
| Net charge-offs | $11,285 |
| Cash dividends | $16,900 |
Origin Bank's interest expense for loans was $21,091,000.
Origin Bank's payroll and benefits expense were $82,408,000.
Origin Bank's property, plant and equipment expenses $16,392,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 1.0% |
| 1-4 family residential loans | 6.0% |
| HELOC loans | 0.0% |
| All other family | 7.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 1.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $6,603,750 |
| Deposits held in domestic offices | $6,603,750 |
| Deposits by Individuals, partnerships, and corporations | $5,675,951 |
| Deposits by U.S. Government | $2 |
| Deposits by States and political subdivisions in the U.S. | $901,101 |
| Deposits by Commercial banks and other depository institutions in U.S. | $26,696 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $546,485 |
| Demand deposits | $546,485 |
| Nontransaction accounts | $6,057,265 |
| Money market deposit accounts (MMDAs) | $5,266,276 |
| Other savings deposits (excluding MMDAs) | $247,860 |
| Total time deposits | $543,128 |
| Total time and savings deposits | $6,057,265 |
| Noninterest-bearing deposits | $2,196,563 |
| Interest-bearing deposits | $4,407,187 |
| Retail deposits | $6,285,293 |
| IRAs and Keogh plan accounts | $96,383 |
| Brokered deposits | $96,801 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $7,798,628 |
| Cash & Balances due from depository institutions | $705,618 |
| Interest-bearing balances | $572,284 |
| Total securities | $1,527,496 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $5,247,132 |
| Loan and leases loss allowance | $64,586 |
| Trading account assets | $17,914 |
| Bank premises and fixed assets | $100,236 |
| Other real estate owned | $1,459 |
| Goodwill and other intangibles | $28,834 |
| All other assets | $169,939 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $7,798,628 |
| Total Liabilities | $7,063,241 |
| Total deposits | $6,603,750 |
| Interest-bearing deposits | $4,407,187 |
| Deposits held in domestic offices | $6,603,750 |
| % insured (estimated) | $39 |
| Federal funds purchased and repurchase agreements | $9,447 |
| Trading liabilities | $11,060 |
| Other borrowed funds | $300,354 |
| Subordinated debt | $69,012 |
| All other liabilities | $69,618 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $5,247,132 |
| Loan and leases loss allowance | $64,586 |
| Total loans and leases (domestic) | $5,311,718 |
| All real estate loans | $3,213,721 |
| Real estate loans in domestic offices | $3,213,721 |
| Construction and development loans | $421,535 |
| Residential 1-4 family construction | $36,941 |
| Other construction, all land development and other land | $384,594 |
| Loans secured by nonfarm nonresidential properties | $1,693,512 |
| Nonfarm nonresidential secured by owner-occupied properties | $523,655 |
| Commercial real estate & other non-farm, non-residential | $1,169,857 |
| Multifamily residential real estate | $230,628 |
| 1-4 family residential loans | $759,498 |
| Farmland loans | $108,548 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,926 |
| Commercial and industrial loans | $1,304,175 |
| To non-U.S. addressees | $118 |
| Loans to individuals | $16,685 |
| Credit card loans | $0 |
| Related Plans | $5,445 |
| Consumer Auto Loans | $2,622 |
| Other loans to individuals | $8,618 |
| All other loans & leases | $774,212 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $773,489 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $67,288 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,764 |
| Non 1-4 family restructured loans & leases | $2,471 |
| Total loans and leases (foreign) | $0 |
Origin Bank had $5,247,132,000 of loans outstanding in 2021. $3,213,721,000 of loans were in real estate loans. $421,535,000 of loans were in development loans. $230,628,000 of loans were in multifamily mortgage loans. $759,498,000 of loans were in 1-4 family mortgage loans. $2,926,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,622,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 694 | $199,534 | $287,513 |
| Nonfarm, nonresidential loans - <$100k | 102 | $4,617 | $45,265 |
| Nonfarm, nonresidential loans - $100-250k | 193 | $26,430 | $136,943 |
| Nonfarm, nonresidential loans - $250k-1MM | 399 | $168,487 | $422,273 |
| Commercial & Industrial, US addressed loans - <$1MM | 3,196 | $376,468 | $117,793 |
| Commercial & Industrial, US addressed loans - <$100k | 2,022 | $62,905 | $31,110 |
| Commercial & Industrial, US addressed loans - $100-250k | 558 | $76,922 | $137,853 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 616 | $236,641 | $384,157 |
| Farmland loans - <$1MM | 58 | $8,195 | $141,293 |
| Farmland loans - <$100k | 18 | $662 | $36,778 |
| Farmland loans - $100-250k | 23 | $2,613 | $113,609 |
| Farmland loans - $250k-1MM | 17 | $4,920 | $289,412 |
| Agriculture operations loans - <$1MM | 48 | $1,703 | $35,479 |
| Agriculture operations loans - <$100k | 41 | $1,015 | $24,756 |
| Agriculture operations loans - $100-250k | 6 | $290 | $48,333 |
| Agriculture operations loans - $250k-1MM | 1 | $398 | $398,000 |
