PlainLender

ORIGIN BANK

HOUSTON, TX

ORIGIN BANK processed 1,795 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,281 loans with a 5.5% denial rate. Home Purchase was the primary loan purpose. Based in HOUSTON, TX. The approval rate of 71.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. ORIGIN BANK processed 1,795 HMDA-reported mortgage applications in 2024, originating 1,281 loans and denying 98 for a denial rate of 5.5% (applicants themselves withdrew 283 files before a decision). The average loan amount was $288,822 at a 7.341% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI D8RBTOL3JO2Q6IEO0F34 from HOUSTON, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ORIGIN BANK's 71.4% origination rate tells you how often an application turned into funded money; the 5.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Credit application incomplete, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,379 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,795
Applications
1,281
Originated
5.5%
Denial Rate
$288,822
Avg Loan Amount
Avg Interest Rate: 7.341% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,379 1,001 65 $302,803
FHA 280 176 31 $231,000
VA 100 79 1 $294,700
USDA 36 25 1 $186,667

Top loan types — ORIGIN BANK

Top loan types — ORIGIN BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — ORIGIN BANK Top 4 1. Conventional 1,379 2. FHA 280 3. VA 100 4. USDA 36 Top 5 loan types by application volume at ORIGIN BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ORIGIN BANK (LEI: D8RBTOL3JO2Q6IEO0F34) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
52
Credit history
21
Credit application incomplete
10
Unverifiable information
9
Insufficient cash
8
Collateral
8
Other
4
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,215 862 $288,202
Refinancing 243 177 $399,815
Cash-out Refinancing 131 83 $235,229
Home Improvement 105 85 $170,619
Other 101 74 $221,634

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,136 73.0% 4.8%
Black or African American 253 57.7% 9.9%
Asian 34 50.0% 2.9%
Joint 33 69.7% 3.0%
American Indian or Alaska Native 6 83.3% 0.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 50.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 1,168 71.8% 5.4%
Hispanic or Latino 261 62.1% 8.1%
Joint 23 60.9% 4.3%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare ORIGIN BANK vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did ORIGIN BANK process?
ORIGIN BANK processed 1,795 mortgage applications in the 2023 HMDA reporting year. Of these, 1,281 were originated (approved and funded), 283 were withdrawn by the applicant, and 98 were denied.
What is ORIGIN BANK's mortgage approval rate?
ORIGIN BANK has an approval (origination) rate of 71.4%, meaning 71.4% of all applications resulted in a funded mortgage. The denial rate is 5.5%.
What is the average loan amount at ORIGIN BANK?
The average mortgage loan amount at ORIGIN BANK is $288,822. The average interest rate is 7.341%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at ORIGIN BANK?
The most common reasons for mortgage denial at ORIGIN BANK are: Debt-to-income ratio, Credit history, Credit application incomplete. In total, 98 applications were denied out of 1,795 total applications.
What types of mortgage loans does ORIGIN BANK offer?
ORIGIN BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,379 applications and an average loan amount of $302,803.
What loan purposes does ORIGIN BANK serve?
ORIGIN BANK serves the following loan purposes: Home Purchase (1,215 applications), Refinancing (243 applications), Cash-out Refinancing (131 applications), Home Improvement (105 applications), Other (101 applications). Home Purchase is the most common purpose.
Where is ORIGIN BANK located?
ORIGIN BANK is headquartered in HOUSTON, TX. The lender is identified by LEI D8RBTOL3JO2Q6IEO0F34 in HMDA data.
How does ORIGIN BANK compare in lending across racial demographics?
ORIGIN BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 73.0% and denial rate of 4.8%; Black or African American applicants have an approval rate of 57.7% and denial rate of 9.9%; Asian applicants have an approval rate of 50.0% and denial rate of 2.9%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.