Origin Bank Mortgage Rates, Fees & Info
Choudrant, LALEI: D8RBTOL3JO2Q6IEO0F34
Tax ID: 72-0124870
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Mortgage Data
Bank 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Houston, Monroe, Ruston, and Shreveport among others. We have data for 91 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% | 12/16/24 |
| 30 Year Conventional Refi | 6.70% | 12/16/24 |
| 30 Year Cash-out Refi | 6.73% | 12/16/24 |
| 30 Year FHA Purchase | 7.42% | 12/16/24 |
| 30 Year FHA Refi | 7.25% | 12/16/24 |
| 30 Year VA Purchase | 6.42% | 12/16/24 |
| 30 Year VA Refi | 6.06% | 12/16/24 |
| 30 Year USDA Purchase | 6.88% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.33% | 12/16/24 |
| 15 Year Conventional Refi | 6.38% | 12/16/24 |
| 15 Year Cash-out Refi | 6.38% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,066Origination Dollar Volume (All Markets)
$570,850,000Employee count
665Awards
Origin Bank - 2019
Origin Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 509 | $158,225,000 | $310,855 | $5,919 | 4.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 233 | $93,535,000 | $401,438 | $7,890 | 4.51% |
| MONROE, LA (FHA|USDA|VA) | 323 | $55,185,000 | $170,851 | $3,300 | 4.85% |
| Ruston, LA (FHA|USDA|VA) | 259 | $53,075,000 | $204,923 | $3,341 | 4.36% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 173 | $38,035,000 | $219,855 | $3,613 | 4.37% |
| JACKSON, MS (FHA|USDA|VA) | 111 | $31,565,000 | $284,369 | $3,417 | 4.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 92 | $28,090,000 | $305,326 | $5,985 | 3.87% |
| Outside of Metro Areas | 89 | $17,465,000 | $196,236 | $3,679 | 4.18% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $15,055,000 | $15,055,000 | $0 | 5.28% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 48 | $12,440,000 | $259,167 | $6,900 | 3.89% |
| Cookeville, TN (FHA|USDA|VA) | 30 | $5,010,000 | $167,000 | $3,093 | 4.12% |
| Oxford, MS (FHA|USDA|VA) | 17 | $4,645,000 | $273,235 | $3,676 | 3.98% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $4,610,000 | $1,152,500 | $3,078 | 4.81% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $3,525,000 | $320,455 | $3,769 | 4.72% |
| Crossville, TN (FHA|USDA|VA) | 17 | $2,955,000 | $173,824 | $2,987 | 4.26% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $2,860,000 | $1,430,000 | $9,268 | 4.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $4,851 | 3.59% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $4,487 | 3.65% |
| Brenham, TX (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $8,916 | 4.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $2,902 | 4.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,115 | 4.43% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $6,690 | 4.10% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $0 | 5.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $1,425,000 | $1,425,000 | $6,611 | 4.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $2,238 | 3.77% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $7,150 | 4.44% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $7,136 | 4.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $7,255 | 5.17% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $0 | 4.38% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $3,734 | 3.98% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,542 | 5.00% |
| Corinth, MS (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $3,619 | 4.42% |
| Rockport, TX (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $8,178 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $5,044 | 4.84% |
| Granbury, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,442 | 4.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,078 | 3.92% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 5.25% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,882 | 3.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,974 | 4.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 5.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,575 | 4.00% |
| Columbus, MS (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,425 | 3.84% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,648 | 4.25% |
| Bonham, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,793 | 4.75% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 4.70% |
| Tupelo, MS (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $4,276 | 4.22% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,957 | 4.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,188 | 3.88% |
| Meridian, MS (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,714 | 3.96% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $2,831 | 3.91% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,857 | 4.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,096 | 3.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.89% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,915 | 3.75% |
| Starkville, MS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,779 | 4.51% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,844 | 3.54% |
| Minden, LA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,261 | 4.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,421 | 3.38% |
| Greenville, MS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,736 | 3.56% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,271 | 4.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,148 | 4.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 5.00% |
| El Campo, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,028 | 3.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,584 | 3.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,447 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,029 | 3.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,204 | 4.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,533 | 3.38% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,231 | 3.88% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,211 | 3.88% |
| Jesup, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,887 | 3.63% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,948 | 3.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,157 | 3.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,106 | 3.88% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,859 | 3.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,574 | 4.88% |
| Durant, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,082 | 4.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,338 | 4.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,739 | 4.38% |
| Laurel, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,311 | 3.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,579 | 5.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,040 | 3.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,623 | 4.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,906 | 4.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,424 | 3.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,259 | 3.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,051 | 4.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,326 | 5.00% |
| McComb, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
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Product Mix
For 2019, Origin Bank's most frequently originated type of loan was Conventional, with 1,759 originations. Their 2nd most popular type was FHA, with 193 originations.
Loan Reason
For 2019, Origin Bank's most frequently cited loan purpose was Home Purchase, with 1,230 originations. The 2nd most popular reason was Refi, with 585 originations.
Loan Duration/Length
For 2019, Origin Bank's most frequently cited loan duration was 30 Year, with 1,343 originations. The 2nd most popular length was 5 Year, with 230 originations.
Origination Fees/Closing Costs
Origin Bank's average total fees were $5,004, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,029 originations.
Interest Rates
During 2019, Origin Bank's average interest rate for loans was 4.13%, while their most frequently originated rate bucket for loans was 3-4%, with 909 originations.
Loan Sizing
2019 saw Origin Bank place emphasis on $200k-400k loans with 765 originations, totaling $212,185,000 in origination value.
Applicant Income
Origin Bank lent most frequently to those with incomes in the $100k-150k range, with 382 originations. The second most popular income band? $75k-100k, with 339 originations.
Applicant Debt to Income Ratio
Origin Bank lent most frequently to those with DTI ratios of 20-30%, with 391 originations. The next most common DTI ratio? 30-36%, with 341 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.53%
Origin Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.83%
Origin Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $90,000 | $45,000 |
| NA | 2,064 | $570,760,000 | $276,531 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Origin Bank | 1011 Cooktown Road Ruston, LA 71270 | Full Service B&M | $21,788 |
| Origin Bank | 1063 Highland Colony Parkway Ridgeland, MS 39157 | Full Service B&M | $226,472 |
| Origin Bank | 120 City Center Drive Jackson, MS 39211 | Full Service B&M | $36,788 |
| Origin Bank | 12600 Memorial Drive Houston, TX 77024 | Full Service B&M | $47,302 |
| Origin Bank | 1312 University Avenue Oxford, MS 38655 | Full Service B&M | $32,552 |
| Origin Bank | 1350 East 70th Street Shreveport, LA 71105 | Full Service B&M | $120,794 |
| Origin Bank | 1500 Sterlington Road Monroe, LA 71203 | Full Service B&M | $34,069 |
| Origin Bank | 1511 Binz Street Houston, TX 77004 | Full Service B&M | $51,946 |
| Origin Bank | 1511 North Trenton Street Ruston, LA 71270 | Full Service B&M | $643,146 |
| Origin Bank | 1702 Fountain View Drive Houston, TX 77057 | Full Service B&M | $61,796 |
| Origin Bank | 1800 Hudson Lane Monroe, LA 71201 | Full Service B&M | $113,257 |
| Origin Bank | 1808 Sylvan Avenue, Suite A100 Dallas, TX 75208 | Full Service B&M | $1,820 |
| Origin Bank | 1910 Main Street Madison, MS 39110 | Full Service B&M | $97,027 |
| Origin Bank | 1927 East Madison Avenue Bastrop, LA 71220 | Full Service B&M | $32,653 |
| Origin Bank | 200 North Main Street Farmerville, LA 71241 | Full Service B&M | $109,538 |
| Origin Bank | 2010 Farmerville Highway Ruston, LA 71270 | Full Service B&M | $35,414 |
| Origin Bank | 203 Promenade Boulevard Flowood, MS 39232 | Full Service B&M | $47,935 |
| Origin Bank | 2049 West Gray Street Houston, TX 77019 | Full Service B&M | $81,307 |
| Origin Bank | 2170 Buckthorne Place, Suite 150 The Woodlands, TX 77380 | Full Service B&M | $59,799 |
| Origin Bank | 2211 North 7th Street West Monroe, LA 71291 | Full Service B&M | $85,517 |
| Origin Bank | 2400 Forsythe Ave. Monroe, LA 71201 | Full Service B&M | $246,281 |
| Origin Bank | 2790 Airline Drive Bossier City, LA 71111 | Full Service B&M | $35,338 |
| Origin Bank | 2995 Highway 80 West Calhoun, LA 71225 | Full Service B&M | $21,210 |
| Origin Bank | 3000 West 7th Street Suite 120 Fort Worth, TX 76107 | Full Service B&M | $57,670 |
| Origin Bank | 301 West Alabama Avenue Ruston, LA 71270 | Full Service B&M | $30,267 |
| 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 | $152,447 |
| Origin Bank | 3201 Dallas Parkway, Suite 100 Frisco, TX 75034 | Full Service B&M | $113,922 |
| Origin Bank | 3838 Oak Lawn Avenue Suite P-100 Dallas, TX 75219 | Full Service B&M | $283,240 |
| Origin Bank | 384 E. Stacy Road Allen, TX 75002 | Full Service B&M | $35,864 |
| 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 | $40,465 |
| Origin Bank | 418 Cherry Street Bernice, LA 71222 | Full Service B&M | $32,966 |
| Origin Bank | 5084 Cypress Street West Monroe, LA 71291 | Full Service B&M | $28,679 |
| Origin Bank | 5324 Kirby Drive Houston, TX 77005 | Full Service B&M | $113,789 |
| Origin Bank | 570 Throckmorton Street Fort Worth, TX 76102 | Full Service B&M | $154,387 |
| Origin Bank | 5800 Camp Bowie Boulevard Suite 100 Fort Worth, TX 76107 | Full Service B&M | $42,651 |
| Origin Bank | 6124 Berkshire Lane Dallas, TX 75225 | Full Service B&M | $164,979 |
| Origin Bank | 6767 Fm 1960 West Houston, TX 77069 | Full Service B&M | $55,706 |
| Origin Bank | 7720 North Macarthur Boulevard Irving, TX 75063 | Full Service B&M | $34,992 |
| Origin Bank | 8002 Kirby Drive Houston, TX 77054 | Full Service B&M | $26,266 |
| Origin Bank | 929 Sterlington Hwy Farmerville, LA 71241 | Full Service B&M | $27,438 |
| Origin Bank | 960 Memorial City Way Houston, TX 77024 | Full Service B&M | $226,853 |
For 2019, Origin Bank had 44 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $226,996 |
| Net interest income | $174,190 |
| Total noninterest income | $33,259 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $8,323 |
| Trading account gains and fees | $6,621 |
| Additional Noninterest Income | $18,315 |
| Pre-tax net operating income | $67,515 |
| Securities gains (or losses, -) | $20 |
| Income before extraordinary items | $54,670 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $54,670 |
| Minority interest net income | $0 |
| Net income | $54,670 |
| Sale, conversion, retirement of capital stock, net | $1,965 |
| Net operating income | $54,653 |
Origin Bank's gross interest income from loans was $226,996,000.
Origin Bank's net interest income from loans was $174,190,000.
Origin Bank's fee based income from loans was $8,323,000.
Origin Bank's net income from loans was $54,670,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $52,806 |
| Provision for credit losses | $9,206 |
| Total noninterest expense | $130,728 |
| Salaries and employee benefits | $77,273 |
| Premises and equipment expense | $16,057 |
| Additional noninterest expense | $37,398 |
| Applicable income taxes | $12,865 |
| Net charge-offs | $5,889 |
| Cash dividends | $15,000 |
Origin Bank's interest expense for loans was $52,806,000.
Origin Bank's payroll and benefits expense were $77,273,000.
Origin Bank's property, plant and equipment expenses $16,057,000.
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 | 0.0% |
| 1-4 family residential loans | 5.0% |
| HELOC loans | 0.0% |
| All other family | 6.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 2.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $4,239,720 |
| Deposits held in domestic offices | $4,239,720 |
| Deposits by Individuals, partnerships, and corporations | $3,772,991 |
| Deposits by U.S. Government | $2 |
| Deposits by States and political subdivisions in the U.S. | $449,991 |
| Deposits by Commercial banks and other depository institutions in U.S. | $16,736 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $289,602 |
| Demand deposits | $289,602 |
| Nontransaction accounts | $3,950,118 |
| Money market deposit accounts (MMDAs) | $3,004,858 |
| Other savings deposits (excluding MMDAs) | $154,450 |
| Total time deposits | $790,810 |
| Total time and savings deposits | $3,950,118 |
| Noninterest-bearing deposits | $1,088,814 |
| Interest-bearing deposits | $3,150,906 |
| Retail deposits | $3,768,693 |
| IRAs and Keogh plan accounts | $105,965 |
| Brokered deposits | $152,556 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,294,103 |
| Cash & Balances due from depository institutions | $291,518 |
| Interest-bearing balances | $229,358 |
| Total securities | $529,691 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $4,170,512 |
| Loan and leases loss allowance | $37,520 |
| Trading account assets | $20,180 |
| Bank premises and fixed assets | $104,058 |
| Other real estate owned | $4,652 |
| Goodwill and other intangibles | $33,469 |
| All other assets | $140,023 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,294,103 |
| Total Liabilities | $4,723,748 |
| Total deposits | $4,239,720 |
| Interest-bearing deposits | $3,150,906 |
| Deposits held in domestic offices | $4,239,720 |
| % insured (estimated) | $47 |
| Federal funds purchased and repurchase agreements | $16,717 |
| Trading liabilities | $8,425 |
| Other borrowed funds | $426,042 |
| Subordinated debt | $0 |
| All other liabilities | $32,844 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $4,170,512 |
| Loan and leases loss allowance | $37,520 |
| Total loans and leases (domestic) | $4,208,032 |
| All real estate loans | $2,568,926 |
| Real estate loans in domestic offices | $2,568,926 |
| Construction and development loans | $470,052 |
| Residential 1-4 family construction | $41,946 |
| Other construction, all land development and other land | $428,106 |
| Loans secured by nonfarm nonresidential properties | $1,296,847 |
| Nonfarm nonresidential secured by owner-occupied properties | $441,555 |
| Commercial real estate & other non-farm, non-residential | $855,292 |
| Multifamily residential real estate | $167,843 |
| 1-4 family residential loans | $586,548 |
| Farmland loans | $47,636 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,338 |
| Commercial and industrial loans | $1,197,241 |
| To non-U.S. addressees | $920 |
| Loans to individuals | $20,970 |
| Credit card loans | $0 |
| Related Plans | $6,233 |
| Consumer Auto Loans | $2,739 |
| Other loans to individuals | $11,998 |
| All other loans & leases | $418,557 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $418,557 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $101,189 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,543 |
| Non 1-4 family restructured loans & leases | $1,215 |
| Total loans and leases (foreign) | $0 |
Origin Bank had $4,170,512,000 of loans outstanding in 2019. $2,568,926,000 of loans were in real estate loans. $470,052,000 of loans were in development loans. $167,843,000 of loans were in multifamily mortgage loans. $586,548,000 of loans were in 1-4 family mortgage loans. $2,338,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,739,000 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 | 695 | $190,402 | $273,960 |
| Nonfarm, nonresidential loans - <$100k | 125 | $6,949 | $55,592 |
| Nonfarm, nonresidential loans - $100-250k | 186 | $24,091 | $129,522 |
| Nonfarm, nonresidential loans - $250k-1MM | 384 | $159,362 | $415,005 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,727 | $310,123 | $113,723 |
| Commercial & Industrial, US addressed loans - <$100k | 1,720 | $55,577 | $32,312 |
| Commercial & Industrial, US addressed loans - $100-250k | 480 | $62,613 | $130,444 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 527 | $191,933 | $364,199 |
| Farmland loans - <$1MM | 68 | $8,835 | $129,926 |
| Farmland loans - <$100k | 29 | $1,024 | $35,310 |
| Farmland loans - $100-250k | 19 | $2,547 | $134,053 |
| Farmland loans - $250k-1MM | 20 | $5,264 | $263,200 |
| Agriculture operations loans - <$1MM | 34 | $1,541 | $45,324 |
| Agriculture operations loans - <$100k | 28 | $699 | $24,964 |
| Agriculture operations loans - $100-250k | 5 | $581 | $116,200 |
| Agriculture operations loans - $250k-1MM | 1 | $261 | $261,000 |