Origin Bank Mortgage Rates, Fees & Info

Choudrant, LA

LEI: D8RBTOL3JO2Q6IEO0F34

Tax ID: 72-0124870

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Monroe, Houston, Ruston, and Jackson among others. We have data for 108 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 a low 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

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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This is not an official calculator from Origin Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

3,208

Origination Dollar Volume (All Markets)

$897,780,000

Employee count

674

Awards

Origin Bank 30 Year Conventional Loans silver

Origin Bank 30 Year Conventional Loans gold

Show all (15) awards

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)	734	$238,700,000	$325,204	$5,453	3.32%
MONROE, LA (FHA\|USDA\|VA)	664	$138,290,000	$208,268	$4,027	3.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	279	$130,655,000	$468,297	$5,124	3.47%
Ruston, LA (FHA\|USDA\|VA)	398	$93,610,000	$235,201	$3,733	3.41%
JACKSON, MS (FHA\|USDA\|VA)	272	$70,160,000	$257,941	$3,351	3.14%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	233	$48,885,000	$209,807	$3,784	3.46%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	116	$38,060,000	$328,103	$4,643	2.97%
Outside of Metro Areas	115	$26,575,000	$231,087	$4,059	3.46%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	64	$17,180,000	$268,438	$6,209	3.23%
Oxford, MS (FHA\|USDA\|VA)	25	$12,645,000	$505,800	$3,296	3.19%
BATON ROUGE, LA (FHA\|USDA\|VA)	17	$5,475,000	$322,059	$4,489	3.44%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	17	$4,425,000	$260,294	$3,519	3.03%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	6	$3,820,000	$636,667	$5,499	3.75%
Crossville, TN (FHA\|USDA\|VA)	22	$3,640,000	$165,455	$3,072	3.53%
Cookeville, TN (FHA\|USDA\|VA)	25	$3,385,000	$135,400	$2,959	3.40%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	9	$2,695,000	$299,444	$4,011	3.65%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	9	$2,655,000	$295,000	$3,733	3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	2	$2,560,000	$1,280,000	$0	4.31%
LAKE CHARLES, LA (FHA\|USDA\|VA)	6	$2,560,000	$426,667	$4,841	4.16%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$2,205,000	$2,205,000	$0	4.10%
Athens, TX (FHA\|USDA\|VA)	3	$2,185,000	$728,333	$7,695	3.50%
WACO, TX (FHA\|USDA\|VA)	4	$2,160,000	$540,000	$5,272	4.23%
Huntsville, TX (FHA\|USDA\|VA)	5	$1,965,000	$393,000	$4,354	3.30%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	11	$1,945,000	$176,818	$5,600	4.31%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	6	$1,770,000	$295,000	$5,942	3.21%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	5	$1,705,000	$341,000	$4,633	3.80%
Granbury, TX (FHA\|USDA\|VA)	6	$1,550,000	$258,333	$4,277	3.19%
Meridian, MS (FHA\|USDA\|VA)	9	$1,315,000	$146,111	$4,641	3.38%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	7	$1,275,000	$182,143	$2,013	2.98%
Gainesville, TX (FHA\|USDA\|VA)	3	$1,255,000	$418,333	$6,425	3.25%
LAFAYETTE, LA (FHA\|USDA\|VA)	5	$1,235,000	$247,000	$3,694	3.10%
Vicksburg, MS (FHA\|USDA\|VA)	3	$1,195,000	$398,333	$2,899	3.67%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	5	$1,185,000	$237,000	$2,628	3.90%
Natchez, MS-LA (FHA\|USDA\|VA)	2	$1,160,000	$580,000	$3,733	3.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$1,085,000	$1,085,000	$8,958	3.50%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$1,080,000	$540,000	$10,074	3.44%
Starkville, MS (FHA\|USDA\|VA)	6	$1,060,000	$176,667	$2,870	3.35%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$960,000	$480,000	$8,493	3.44%
Taos, NM (FHA\|USDA\|VA)	1	$955,000	$955,000	$0	4.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$955,000	$318,333	$3,156	3.46%
HATTIESBURG, MS (FHA\|USDA\|VA)	4	$840,000	$210,000	$3,565	3.19%
Brenham, TX (FHA\|USDA\|VA)	2	$810,000	$405,000	$10,734	3.44%
HAMMOND, LA (FHA\|USDA\|VA)	3	$795,000	$265,000	$3,763	3.04%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$770,000	$385,000	$5,911	2.81%
Cullowhee, NC (FHA\|USDA\|VA)	1	$705,000	$705,000	$4,984	3.00%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	4	$670,000	$167,500	$3,389	3.00%
LUBBOCK, TX (FHA\|USDA\|VA)	4	$650,000	$162,500	$3,556	3.09%
Rockport, TX (FHA\|USDA\|VA)	1	$605,000	$605,000	$6,125	3.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	2	$580,000	$290,000	$3,891	4.47%
TYLER, TX (FHA\|USDA\|VA)	3	$565,000	$188,333	$4,426	3.33%
Greenwood, MS (FHA\|USDA\|VA)	3	$535,000	$178,333	$2,646	2.96%
Cleveland, MS (FHA\|USDA\|VA)	4	$520,000	$130,000	$3,223	2.97%
LONGVIEW, TX (FHA\|USDA\|VA)	3	$515,000	$171,667	$2,863	3.54%
Edwards, CO (FHA\|USDA\|VA)	1	$475,000	$475,000	$3,817	3.75%
Breckenridge, CO (FHA\|USDA\|VA)	1	$435,000	$435,000	$2,695	3.13%
Minden, LA (FHA\|USDA\|VA)	2	$430,000	$215,000	$4,788	2.94%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	2	$430,000	$215,000	$3,638	2.94%
Big Spring, TX (FHA\|USDA\|VA)	1	$405,000	$405,000	$4,915	3.13%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,571	3.00%
ALEXANDRIA, LA (FHA\|USDA\|VA)	2	$390,000	$195,000	$4,348	2.94%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	3	$385,000	$128,333	$2,725	3.67%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$365,000	$365,000	$3,599	3.63%
MOBILE, AL (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,839	3.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	4.50%
Fredericksburg, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,298	2.50%
JACKSON, TN (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,514	3.25%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,255	3.25%
Ottawa, KS (FHA\|USDA\|VA)	2	$290,000	$145,000	$2,499	3.19%
Weatherford, OK (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,333	3.38%
El Campo, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	3.25%
McMinnville, TN (FHA\|USDA\|VA)	2	$270,000	$135,000	$4,139	3.75%
Greenville, MS (FHA\|USDA\|VA)	2	$270,000	$135,000	$1,546	3.19%
Waycross, GA (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,316	3.13%
Grenada, MS (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,620	2.88%
El Dorado, AR (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,735	4.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$245,000	$245,000	$1,840	3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,694	3.38%
SPRINGFIELD, MO (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,180	2.94%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,447	3.31%
Opelousas, LA (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,046	2.94%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,050	2.63%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,019	2.63%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$225,000	$225,000	$1,806	3.00%
Natchitoches, LA (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,073	2.88%
Bonham, TX (FHA\|USDA\|VA)	2	$200,000	$100,000	$2,872	4.68%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	2.63%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,117	3.63%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,746	3.63%
Lufkin, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,150	2.88%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,719	3.13%
Columbus, MS (FHA\|USDA\|VA)	2	$180,000	$90,000	$3,897	3.31%
TULSA, OK (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,205	3.63%
Paris, TX (FHA\|USDA\|VA)	2	$170,000	$85,000	$4,877	3.63%
ODESSA, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,562	3.50%
PUEBLO, CO (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,497	2.63%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,685	3.00%
Sulphur Springs, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,438	3.38%
Stephenville, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,680	2.88%
Stillwater, OK (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,133	3.50%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,375	3.13%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,838	3.00%
Tupelo, MS (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,939	3.00%
McComb, MS (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,783	4.88%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,278	2.88%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$1,554	3.50%
Jesup, GA (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,179	3.38%
Mount Pleasant, TX (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.50%
Laurel, MS (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,918	3.50%

Origin Bank's top markets include Dallas, Monroe, Houston, Ruston, and Jackson among others.

Their top states include:

Texas (FHA|USDA|VA)

Louisiana (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Origin Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,652	$786,400,000	$296,531	$3,948	3.42%
FHA	322	$63,190,000	$196,242	$7,150	3.05%
VA	118	$30,640,000	$259,661	$5,578	2.95%
USDA	116	$17,550,000	$151,293	$4,561	3.09%

For 2020, Origin Bank's most frequently originated type of loan was Conventional, with 2,652 originations. Their 2nd most popular type was FHA, with 322 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,481	$393,125,000	$265,446	$5,213	3.34%
Refi	1,329	$384,625,000	$289,409	$3,494	3.33%
Cash Out Refi	377	$118,645,000	$314,708	$4,406	3.36%
Home Improvement	16	$1,160,000	$72,500	$430	5.42%
Other	5	$225,000	$45,000	$1,072	6.33%

For 2020, Origin Bank's most frequently cited loan purpose was Home Purchase, with 1,481 originations. The 2nd most popular reason was Refi, with 1,329 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,183	$623,885,000	$285,792	$4,648	3.19%
15 Year	420	$91,150,000	$217,024	$3,384	2.88%
5 Year	277	$85,375,000	$308,213	$385	4.76%
20 Year	136	$31,640,000	$232,647	$3,211	3.18%
Other	130	$44,680,000	$343,692	$3,181	4.18%
30+ year	21	$10,705,000	$509,762	$11,657	4.04%
10 Year	20	$4,330,000	$216,500	$2,541	4.48%
1 Year	16	$5,230,000	$326,875	$3,462	5.00%
3 Year	5	$785,000	$157,000	$0	4.83%

For 2020, Origin Bank's most frequently cited loan duration was 30 Year, with 2,183 originations. The 2nd most popular length was 15 Year, with 420 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,765	$480,935,000	$272,484
$1k-2k	635	$157,445,000	$247,945
$2k-3k	198	$52,860,000	$266,970
$3k-4k	92	$25,360,000	$275,652
$4k-5k	60	$21,150,000	$352,500
$5k+	55	$24,025,000	$436,818

Origin Bank's average total fees were $4,648, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,765 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,331	$431,295,000	$324,038
2.5-3%	1,255	$322,935,000	$257,319
4-5%	320	$84,560,000	$264,250
<2.5%	175	$43,425,000	$248,143
5-6%	103	$13,255,000	$128,689
6-7%	18	$1,930,000	$107,222
7-8%	5	$355,000	$71,000
Over 8%	1	$25,000	$25,000

During 2020, Origin Bank's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 1,331 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,356	$373,710,000	$275,597	$4,432	3.13%
$100k-200k	1,111	$169,875,000	$152,903	$3,921	3.35%
$400k-600k	310	$144,700,000	$466,774	$5,363	3.19%
$100,000 or less	302	$19,210,000	$63,609	$2,788	4.32%
$600k-1MM	68	$50,850,000	$747,794	$7,133	3.91%
$1MM+	61	$139,435,000	$2,285,820	$11,306	3.72%

2020 saw Origin Bank place emphasis on $200k-400k loans with 1,356 originations, totaling $373,710,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	634	$116,440,000	$183,659	$4,345	3.22%
$100k-150k	621	$167,625,000	$269,928	$4,314	3.16%
$75k-100k	466	$104,760,000	$224,807	$4,211	3.20%
$150k-250k	414	$135,880,000	$328,213	$4,453	3.27%
$50k or less	386	$55,460,000	$143,679	$4,185	3.29%
$250k+	271	$163,545,000	$603,487	$5,821	3.44%

Origin Bank lent most frequently to those with incomes in the $50k-75k range, with 634 originations. The second most popular income band? $100k-150k, with 621 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	691	$184,065,000	$266,375	$3,946	3.16%
30-36%	572	$153,890,000	$269,038	$4,236	3.20%
<20%	286	$92,030,000	$321,783	$3,951	3.08%
36%	114	$28,680,000	$251,579	$4,454	3.12%
44%	104	$28,190,000	$271,058	$4,795	3.17%
38%	103	$30,245,000	$293,641	$4,559	3.31%
43%	100	$24,230,000	$242,300	$4,693	3.24%
42%	99	$28,985,000	$292,778	$5,129	3.21%
50-60%	99	$26,705,000	$269,747	$7,444	3.13%
41%	94	$25,970,000	$276,277	$4,849	3.21%
39%	88	$24,020,000	$272,955	$4,079	3.24%
40%	87	$21,425,000	$246,264	$4,113	3.09%
37%	81	$21,305,000	$263,025	$4,188	3.28%
46%	64	$14,420,000	$225,313	$4,900	3.18%
45%	61	$15,765,000	$258,443	$4,619	3.19%
49%	53	$11,955,000	$225,566	$4,998	3.19%
47%	50	$13,980,000	$279,600	$4,971	3.17%
48%	39	$9,545,000	$244,744	$4,680	3.09%
>60%	4	$810,000	$202,500	$7,961	2.84%

Origin Bank lent most frequently to those with DTI ratios of 20-30%, with 691 originations. The next most common DTI ratio? 30-36%, with 572 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,531	$666,175,000	$263,206	$4,322	3.24%
Not applicable	291	$124,315,000	$427,199	$7,651	4.50%
Not provided	119	$42,175,000	$354,412	$5,318	3.30%
Black	166	$35,000,000	$210,843	$4,712	3.21%
Asian	83	$24,325,000	$293,072	$4,839	3.09%
American Indian	14	$2,990,000	$213,571	$5,420	3.40%
Asian Indian	2	$2,390,000	$1,195,000	$8,838	3.75%
Native Hawaiian or Islander	1	$345,000	$345,000	$5,141	3.38%
Other Asian	1	$65,000	$65,000	$0	2.25%

Approval Rates

Total approvals of all applications
93.63%

Origin Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.03%

Origin Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
0.0	2	$70,000	$35,000
NA	3,206	$897,710,000	$280,009

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	5	$595,000	$119,000
Multifamily:Site-Built	44	$71,580,000	$1,626,818
Single Family (1-4 Units):Manufactured	16	$1,020,000	$63,750
Single Family (1-4 Units):Site-Built	3,143	$824,585,000	$262,356

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	148	$31,650,000	$213,851	$3,041	3.84%
40-60%	401	$103,245,000	$257,469	$3,535	3.41%
60-80%	1,183	$379,435,000	$320,740	$4,033	3.39%
80-100%	1,378	$366,170,000	$265,726	$4,951	3.20%
Over 100%	46	$12,080,000	$262,609	$7,895	3.30%
Under 20%	52	$5,200,000	$100,000	$1,677	4.75%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Origin Bank	1011 Cooktown Road Ruston, LA 71270	Full Service B&M	$23,210
Origin Bank	1059 East County Line Road, Suite C Jackson, MS 39211	Full Service B&M	$270
Origin Bank	1063 Highland Colony Parkway Ridgeland, MS 39157	Full Service B&M	$245,697
Origin Bank	120 City Center Drive Jackson, MS 39211	Full Service B&M	$40,968
Origin Bank	12600 Memorial Drive Houston, TX 77024	Full Service B&M	$55,571
Origin Bank	1312 University Avenue Oxford, MS 38655	Full Service B&M	$47,573
Origin Bank	1350 East 70th Street Shreveport, LA 71105	Full Service B&M	$160,053
Origin Bank	1500 Sterlington Road Monroe, LA 71203	Full Service B&M	$34,289
Origin Bank	1511 Binz Street Houston, TX 77004	Full Service B&M	$67,081
Origin Bank	1511 North Trenton Street Ruston, LA 71270	Full Service B&M	$1,051,235
Origin Bank	1702 Fountain View Drive Houston, TX 77057	Full Service B&M	$62,525
Origin Bank	1800 Hudson Lane Monroe, LA 71201	Full Service B&M	$151,541
Origin Bank	1808 Sylvan Avenue, Suite A100 Dallas, TX 75208	Full Service B&M	$55,580
Origin Bank	1910 Main Street Madison, MS 39110	Full Service B&M	$103,153
Origin Bank	1927 East Madison Avenue Bastrop, LA 71220	Full Service B&M	$43,416
Origin Bank	200 North Main Street Farmerville, LA 71241	Full Service B&M	$129,462
Origin Bank	2010 Farmerville Highway Ruston, LA 71270	Full Service B&M	$37,323
Origin Bank	203 Promenade Boulevard Flowood, MS 39232	Full Service B&M	$56,409
Origin Bank	2049 West Gray Street Houston, TX 77019	Full Service B&M	$89,763
Origin Bank	2170 Buckthorne Place, Suite 150 The Woodlands, TX 77380	Full Service B&M	$71,011
Origin Bank	2211 North 7th Street West Monroe, LA 71291	Full Service B&M	$128,881
Origin Bank	2400 Forsythe Ave. Monroe, LA 71201	Full Service B&M	$341,609
Origin Bank	2790 Airline Drive Bossier City, LA 71111	Full Service B&M	$43,628
Origin Bank	2995 Highway 80 West Calhoun, LA 71225	Full Service B&M	$25,010
Origin Bank	301 West Alabama Avenue Ruston, LA 71270	Full Service B&M	$34,093
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	$249,804
Origin Bank	3200 West 7th Street Fort Worth, TX 76107	Full Service B&M	$92,909
Origin Bank	3201 Dallas Parkway, Suite 100 Frisco, TX 75034	Full Service B&M	$275,590
Origin Bank	3838 Oak Lawn Avenue Suite P-100 Dallas, TX 75219	Full Service B&M	$474,091
Origin Bank	384 E. Stacy Road Allen, TX 75002	Full Service B&M	$41,138
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	$42,348
Origin Bank	418 Cherry Street Bernice, LA 71222	Full Service B&M	$40,430
Origin Bank	5084 Cypress Street West Monroe, LA 71291	Full Service B&M	$32,027
Origin Bank	5324 Kirby Drive Houston, TX 77005	Full Service B&M	$147,857
Origin Bank	570 Throckmorton Street Fort Worth, TX 76102	Full Service B&M	$201,612
Origin Bank	5800 Camp Bowie Boulevard Suite 100 Fort Worth, TX 76107	Full Service B&M	$39,702
Origin Bank	6124 Berkshire Lane Dallas, TX 75225	Full Service B&M	$165,393
Origin Bank	6767 Fm 1960 West Houston, TX 77069	Full Service B&M	$64,489
Origin Bank	7720 North Macarthur Boulevard Irving, TX 75063	Full Service B&M	$39,338
Origin Bank	8002 Kirby Drive Houston, TX 77054	Full Service B&M	$31,163
Origin Bank	929 Sterlington Hwy Farmerville, LA 71241	Full Service B&M	$32,184
Origin Bank	960 Memorial City Way Houston, TX 77024	Full Service B&M	$315,483

For 2020, Origin Bank had 45 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$228,702
Net interest income	$192,869
Total noninterest income	$50,675
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$7,001
Trading account gains and fees	$10,851
Additional Noninterest Income	$32,823
Pre-tax net operating income	$44,393
Securities gains (or losses, -)	$580
Income before extraordinary items	$36,875
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$36,875
Minority interest net income	$0
Net income	$36,875
Sale, conversion, retirement of capital stock, net	$2,320
Net operating income	$36,399

Origin Bank's gross interest income from loans was $228,702,000.
Origin Bank's net interest income from loans was $192,869,000.
Origin Bank's fee based income from loans was $7,001,000.
Origin Bank's net income from loans was $36,875,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$35,833
Provision for credit losses	$58,998
Total noninterest expense	$140,153
Salaries and employee benefits	$80,689
Premises and equipment expense	$16,260
Additional noninterest expense	$43,204
Applicable income taxes	$8,098
Net charge-offs	$11,126
Cash dividends	$15,750

Origin Bank's interest expense for loans was $35,833,000.
Origin Bank's payroll and benefits expense were $80,689,000.
Origin Bank's property, plant and equipment expenses $16,260,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	2.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	8.0%
HELOC loans	0.0%
All other family	8.0%
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	$5,798,512
Deposits held in domestic offices	$5,798,512
Deposits by Individuals, partnerships, and corporations	$4,979,646
Deposits by U.S. Government	$2
Deposits by States and political subdivisions in the U.S.	$804,558
Deposits by Commercial banks and other depository institutions in U.S.	$14,306
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$719,140
Demand deposits	$719,140
Nontransaction accounts	$5,079,372
Money market deposit accounts (MMDAs)	$4,209,354
Other savings deposits (excluding MMDAs)	$205,252
Total time deposits	$664,764
Total time and savings deposits	$5,079,372
Noninterest-bearing deposits	$1,654,762
Interest-bearing deposits	$4,143,750
Retail deposits	$5,102,606
IRAs and Keogh plan accounts	$109,377
Brokered deposits	$431,180
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$7,597,259
Cash & Balances due from depository institutions	$377,214
Interest-bearing balances	$316,671
Total securities	$1,042,802
Federal funds sold & reverse repurchase	$0
Net loans and leases	$5,829,614
Loan and leases loss allowance	$86,670
Trading account assets	$31,714
Bank premises and fixed assets	$100,396
Other real estate owned	$1,584
Goodwill and other intangibles	$26,330
All other assets	$187,605

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$7,597,259
Total Liabilities	$6,933,424
Total deposits	$5,798,512
Interest-bearing deposits	$4,143,750
Deposits held in domestic offices	$5,798,512
% insured (estimated)	$45
Federal funds purchased and repurchase agreements	$8,409
Trading liabilities	$20,477
Other borrowed funds	$976,200
Subordinated debt	$68,924
All other liabilities	$60,902

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$5,829,614
Loan and leases loss allowance	$86,670
Total loans and leases (domestic)	$5,916,284
All real estate loans	$2,996,431
Real estate loans in domestic offices	$2,996,431
Construction and development loans	$494,459
Residential 1-4 family construction	$39,340
Other construction, all land development and other land	$455,119
Loans secured by nonfarm nonresidential properties	$1,387,939
Nonfarm nonresidential secured by owner-occupied properties	$460,524
Commercial real estate & other non-farm, non-residential	$927,415
Multifamily residential real estate	$320,154
1-4 family residential loans	$756,478
Farmland loans	$37,401
Loans held in foreign offices	$0
Farm loans	$2,555
Commercial and industrial loans	$1,721,901
To non-U.S. addressees	$529
Loans to individuals	$17,991
Credit card loans	$0
Related Plans	$5,937
Consumer Auto Loans	$2,692
Other loans to individuals	$9,362
All other loans & leases	$1,177,406
Loans to foreign governments and official institutions	$0
Other loans	$1,177,280
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$80,954
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$3,314
Non 1-4 family restructured loans & leases	$3,010
Total loans and leases (foreign)	$0

Origin Bank had $5,829,614,000 of loans outstanding in 2020. $2,996,431,000 of loans were in real estate loans. $494,459,000 of loans were in development loans. $320,154,000 of loans were in multifamily mortgage loans. $756,478,000 of loans were in 1-4 family mortgage loans. $2,555,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,692,000 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	701	$194,717	$277,770
Nonfarm, nonresidential loans - <$100k	109	$4,928	$45,211
Nonfarm, nonresidential loans - $100-250k	196	$26,902	$137,255
Nonfarm, nonresidential loans - $250k-1MM	396	$162,887	$411,331
Commercial & Industrial, US addressed loans - <$1MM	5,554	$588,214	$105,908
Commercial & Industrial, US addressed loans - <$100k	3,823	$114,618	$29,981
Commercial & Industrial, US addressed loans - $100-250k	910	$132,308	$145,393
Commercial & Industrial, US addressed loans - $250k-1MM	821	$341,288	$415,698
Farmland loans - <$1MM	57	$8,692	$152,491
Farmland loans - <$100k	21	$915	$43,571
Farmland loans - $100-250k	16	$2,268	$141,750
Farmland loans - $250k-1MM	20	$5,509	$275,450
Agriculture operations loans - <$1MM	41	$2,151	$52,463
Agriculture operations loans - <$100k	32	$916	$28,625
Agriculture operations loans - $100-250k	5	$420	$84,000
Agriculture operations loans - $250k-1MM	4	$815	$203,750