Origin Bank Mortgage Rates, Fees & Info

Choudrant, LA

LEI: 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, 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% 3/28/24
30 Year Conventional Refi 6.70% 3/28/24
30 Year Cash-out Refi 6.73% 3/28/24
30 Year FHA Purchase 7.42% 3/28/24
30 Year FHA Refi 7.25% 3/28/24
30 Year VA Purchase 6.42% 3/28/24
30 Year VA Refi 6.06% 3/28/24
30 Year USDA Purchase 6.88% 3/28/24
30 Year USDA Refi 6.27% 3/28/24
15 Year Conventional Purchase 6.33% 3/28/24
15 Year Conventional Refi 6.38% 3/28/24
15 Year Cash-out Refi 6.38% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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 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)
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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