Bank of Odessa mortgage approval rate & lending review
Bank of Odessa decided 410 mortgage applications and funded 400 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Odessa reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Odessa at a glance
Approval is 16.5 points above the 81.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 112 / 115 | 100% | $295K | 112 |
| Refinance | 99% | 77 / 78 | 99% | $165K | 76 |
| Investment property purchase | 98% | 123 / 126 | 100% | $125K | 123 |
| Investment refinance | 100% | 52 / 52 | 100% | $115K | 52 |
Bank of Odessa lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 98% | $125K | 406 | 396 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Odessa lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MO | Investment property purchase | 97% | 107 | 104 |
| Jackson County, MO | Mortgage lenders | 97% | 104 | 101 |
| Jackson County, MO | Refinance | 99% | 72 | 70 |
| Jackson County, MO | Investment refinance | 100% | 50 | 50 |
The county markets where Bank of Odessa made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Odessa
What is Bank of Odessa's mortgage approval rate?
Bank of Odessa approved 97.8% of the 410 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.5 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Odessa offers?
Borrowers accepted 100% of the loans Bank of Odessa approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Odessa make?
The typical investment property mortgage loan Bank of Odessa made was $125K; across all loan types its typical loan ran from $115K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Odessa lend?
Bank of Odessa decided applications in 2 of the states Fat Boy Data covers, most of them in Missouri and Kansas.
Can I apply to Bank of Odessa directly?
Yes. Bank of Odessa is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Odessa's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Odessa treats applications, then get a rate quote from the lender.