Bank of Odessa at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
85th2.7% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 313 | 300 | 3.5% | 3.5% | — | $59M |
| 2024 | 299 | 290 | 3.0% | 3.0% | — | $69M |
| 2025 | 298 | 285 | 2.7% | 2.7% | — | $62M |
What Bank of Odessa lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 20 manufactured homes, 94 investment properties.
Who gets approved at Bank of Odessa
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 43 | 38 | 7.0% |
| $50k – $100k | 92 | 86 | 4.4% |
| $100k – $150k | 54 | 53 | 1.9% |
| $150k – $250k | 38 | 38 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 26 | 0.0% |
| 35–44 | 55 | 49 | 5.7% |
| 45–54 | 44 | 41 | 6.8% |
| 55–64 | 53 | 51 | 3.8% |
| 65–74 | 45 | 43 | 0.0% |
Where Bank of Odessa lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 298 | 285 | 2.7% | — | #134 |
Frequently asked questions
Bank of Odessa denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
In 2025, 45% of its applications were for home purchases, 42% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.