Bank of Odessa in Missouri vs the state
2.7%Denial rate-12.39 pts vs state
2.7%Decision denial rate-15.99 pts vs state
95.6%Origination rate+32.98 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
285Loans originated
8Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 309 | 296 | 3.6% | — | #110 |
| 2024 | 297 | 288 | 3.0% | — | #126 |
| 2025 | 298 | 285 | 2.7% | — | #134 |
What Bank of Odessa lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Bank of Odessa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 125 | 121 | 3 | 2.4% |
| Lafayette County | 85 | 85 | 0 | 0.0% |
| Johnson County | 31 | 31 | 0 | 0.0% |
| Cass County | 12 | 11 | 0 | 0.0% |
| Pettis County | 10 | 4 | 3 | 30.0% |
| Benton County | 6 | 4 | 2 | 33.3% |
| Clay County | 6 | 6 | 0 | 0.0% |
| Camden County | 4 | 4 | 0 | 0.0% |
| Ray County | 4 | 4 | 0 | 0.0% |
| Laclede County | 3 | 3 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 298 applications in 2025, of which 285 were originated and 8 denied.
2.7% of all applications, or 2.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Odessa's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology