Origin Bank Mortgage Lending & HMDA Data, 2019
In 2019, Origin Bank of Houston, TX reported 2,578 mortgage applications totaling $708.8 million, up 3% from 2018. The average application was for $274,953, and applicants reported an average income of $155,235. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (506), Monroe, LA (394) and Houston-The Woodlands-Sugar Land, TX (284) (applications in parentheses).
| Mortgage Company & Address | Origin Bank Houston, TX 77024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 2,578 |
| Total Mortgage Loan Application Amount | $708,830,000 |
| Average Mortgage Loan Application Amount | $274,953 |
| Highest Mortgage Loan Application Amount | $15,055,000 |
| Average Applicant Income | $155,235 |
| Highest Applicant Income | $5,225,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Origin Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 556 | $ 117,100,000 | $ 210,611 | $ 123,257 |
| Dallas-Plano-Irving, TX | 506 | $ 154,580,000 | $ 305,494 | $ 137,000 |
| Monroe, LA | 394 | $ 67,320,000 | $ 170,862 | $ 128,000 |
| Houston-The Woodlands-Sugar Land, TX | 284 | $ 120,680,000 | $ 424,929 | $ 299,000 |
| Shreveport-Bossier City, LA | 204 | $ 45,680,000 | $ 223,921 | $ 123,000 |
| Fort Worth-Arlington, TX | 160 | $ 46,830,000 | $ 292,687 | $ 145,000 |
| Jackson, MS | 143 | $ 40,385,000 | $ 282,412 | $ 195,000 |
| Austin-Round Rock, TX | 102 | $ 30,610,000 | $ 300,098 | $ 142,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 51 | $ 13,275,000 | $ 260,294 | $ 100,000 |
| New Orleans-Metairie, LA | 18 | $ 6,100,000 | $ 338,888 | $ 242,000 |
| Oklahoma City, OK | 14 | $ 4,200,000 | $ 300,000 | $ 84,000 |
| Kansas City, MO-KS | 10 | $ 1,890,000 | $ 189,000 | $ 133,700 |
| Lafayette, LA | 10 | $ 2,790,000 | $ 279,000 | $ 114,000 |
| Baton Rouge, LA | 8 | $ 2,430,000 | $ 303,750 | $ 254,000 |
| Hattiesburg, MS | 8 | $ 1,610,000 | $ 201,250 | $ 76,000 |
| San Antonio-New Braunfels, TX | 8 | $ 3,640,000 | $ 455,000 | $ 183,000 |
| Sherman-Denison, TX | 8 | $ 870,000 | $ 108,750 | $ 186,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 4,995,000 | $ 999,000 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,475,000 | $ 495,000 | $ 160,000 |
| Memphis, TN-MS-AR | 5 | $ 1,925,000 | $ 385,000 | $ 252,400 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,180,000 | $ 295,000 | $ 92,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 440,000 | $ 110,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 390,000 | $ 97,500 | $ 58,000 |
| Beaumont-Port Arthur, TX | 3 | $ 1,165,000 | $ 388,333 | $ 129,000 |
| Columbus, GA-AL | 3 | $ 185,000 | $ 61,666 | $ 97,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 2,005,000 | $ 668,333 | $ 502,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 895,000 | $ 298,333 | $ 228,000 |
| Longview, TX | 3 | $ 1,085,000 | $ 361,666 | $ 95,000 |
| College Station-Bryan, TX | 2 | $ 610,000 | $ 305,000 | $ 763,000 |
| Des Moines-West Des Moines, IA | 2 | $ 350,000 | $ 175,000 | $ 90,000 |
| Fort Collins, CO | 2 | $ 980,000 | $ 490,000 | $ 443,000 |
| Lake Charles, LA | 2 | $ 240,000 | $ 120,000 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 330,000 | $ 165,000 | $ 99,000 |
| Panama City, FL | 2 | $ 520,000 | $ 260,000 | $ 94,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,180,000 | $ 590,000 | $ 250,000 |
| Springfield, MO | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 2,560,000 | $ 1,280,000 | $ 385,000 |
| Amarillo, TX | 1 | $ 415,000 | $ 415,000 | $ 158,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Carbondale-Marion, IL | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Clarksville, TN-KY | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Corpus Christi, TX | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Dothan, AL | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Flint, MI | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Greeley, CO | 1 | $ 415,000 | $ 415,000 | $ 69,000 |
| Hammond, LA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 15,055,000 | $ 15,055,000 | $ 0 |
| Knoxville, TN | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 395,000 | $ 395,000 | $ 260,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 715,000 | $ 715,000 | $ 152,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Lubbock, TX | 1 | $ 405,000 | $ 405,000 | $ 2,873,000 |
| Midland, TX | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| Morristown, TN | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 1,425,000 | $ 1,425,000 | $ 3,840,000 |
| Ocala, FL | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 295,000 | $ 295,000 | $ 1,909,000 |
| Pueblo, CO | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| Texarkana, TX-AR | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Tucson, AZ | 1 | $ 235,000 | $ 235,000 | $ 169,000 |
| Tyler, TX | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Waco, TX | 1 | $ 485,000 | $ 485,000 | $ 621,000 |
| Wichita Falls, TX | 1 | $ 165,000 | $ 165,000 | $ 130,000 |
| Wichita, KS | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Origin Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,543 | $420,385,000 | $272,000 | $5,005,000 | $148,000 | $5,225,000 |
| Refinancing | 688 | $207,020,000 | $300,000 | $15,055,000 | $174,000 | $4,553,000 |
| Cash-out Refinancing | 296 | $76,550,000 | $258,000 | $3,755,000 | $147,000 | $2,034,000 |
| Other Purpose | 28 | $1,830,000 | $65,000 | $275,000 | $111,000 | $419,000 |
| Home Improvement | 22 | $2,940,000 | $133,000 | $1,005,000 | $243,000 | $1,403,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,694 | $479,570,000 | $283,000 | $3,755,000 | $170,000 | $5,225,000 |
| Hispanic | 306 | $59,240,000 | $193,000 | $1,435,000 | $76,000 | $598,000 |
| Not applicable | 276 | $90,660,000 | $328,000 | $15,055,000 | $0 | $0 |
| Black or African American | 126 | $25,590,000 | $203,000 | $835,000 | $108,000 | $1,134,000 |
| Not Provided | 102 | $31,000,000 | $303,000 | $2,085,000 | $166,000 | $960,000 |
| Asian | 63 | $18,655,000 | $296,000 | $1,795,000 | $142,000 | $784,000 |
| American Indian or Alaskan Native | 4 | $530,000 | $132,000 | $205,000 | $238,000 | $720,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $740,000 | $370,000 | $385,000 | $132,000 | $170,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,167 | $628,365,000 | $289,000 | $15,055,000 | $172,000 | $5,225,000 |
| FHA-insured (Federal Housing Administration) | 269 | $51,635,000 | $191,000 | $385,000 | $73,000 | $304,000 |
| VA-guaranteed (Veterans Administration) | 81 | $19,975,000 | $246,000 | $525,000 | $93,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $8,855,000 | $145,000 | $295,000 | $56,000 | $116,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,066 | $570,850,000 | $276,000 | $15,055,000 | $158,000 | $5,225,000 |
| Application Withdrawn By Applicant | 253 | $74,685,000 | $295,000 | $2,505,000 | $148,000 | $1,800,000 |
| Application Denied By Financial Institution | 141 | $29,785,000 | $211,000 | $3,755,000 | $118,000 | $2,034,000 |
| Application Approved But Not Accepted | 81 | $21,135,000 | $260,000 | $1,825,000 | $142,000 | $1,026,000 |
| Loan Purchased By The Institution | 24 | $7,660,000 | $319,000 | $455,000 | $0 | $0 |
| File Closed For Incompleteness | 13 | $4,715,000 | $362,000 | $1,005,000 | $210,000 | $720,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,437 | $679,045,000 | $278,000 | $15,055,000 | $157,000 | $5,225,000 |
| Credit History | 54 | $7,720,000 | $142,000 | $1,205,000 | $100,000 | $946,000 |
| Debt-To-Income Ratio | 52 | $10,550,000 | $202,000 | $665,000 | $79,000 | $513,000 |
| Collateral | 12 | $2,640,000 | $220,000 | $645,000 | $109,000 | $307,000 |
| Other | 11 | $1,735,000 | $157,000 | $295,000 | $73,000 | $160,000 |
| Unverifiable Information | 7 | $2,415,000 | $345,000 | $775,000 | $487,000 | $2,034,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $4,105,000 | $1,368,000 | $3,755,000 | $370,000 | $900,000 |
| Employment History | 2 | $620,000 | $310,000 | $315,000 | $152,000 | $215,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Origin Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Origin Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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