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, Houston, Monroe, Ruston, and Shreveport among others. We have data for 104 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.

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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% Deposit:

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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

2,494

Origination Dollar Volume (All Markets)

$821,840,000

Employee count

681

Awards

Origin Bank 30 Year Conventional Loans silver

Origin Bank 30 Year Conventional Loans gold

Show all (6) 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)	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, KY (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.

Their top states include:

Texas (FHA|USDA|VA)

Louisiana (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Florida (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	2,137	$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 2021, Origin Bank's most frequently originated type of loan was Conventional, with 2,137 originations. Their 2nd most popular type was FHA, with 216 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. 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 2021, Origin Bank's most frequently cited loan purpose was Home Purchase, with 1,269 originations. The 2nd most popular reason was 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 2021, Origin Bank's most frequently cited loan duration was 30 Year, with 1,622 originations. The 2nd most popular length was 5 Year, with 331 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	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
$5k+	68	$39,520,000	$581,176
$3k-4k	61	$18,095,000	$296,639
$4k-5k	54	$17,750,000	$328,704

Origin Bank's average total fees were $5,029, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.06%, while their most frequently originated rate bucket for loans was 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 or Islander	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
92.70%

Origin Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.06%

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	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	1511 Binz Street Houston, TX 77004	Full Service B&M	$74,419
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
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	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

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