Origin Bank Mortgage Rates, Fees & Info

Choudrant, LA

LEI: D8RBTOL3JO2Q6IEO0F34

Tax ID: 72-0124870

5 stars - out of 5 stars, based on 50 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

2,494

Origination Dollar Volume (All Markets)

$821,840,000

Employee count

681 Show all (6) awards

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 applications
93.33%

Origin Bank has an average approval rate.

Pick Rate

Approvals leading to origination
78.96%

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