Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ector County, Texas
Every institution that decided a 1–4 unit mortgage application in Ector County, home to Odessa, between 2023 and 2025: 14,677 applications, 8,505 loans actually funded, across 8 kinds of borrowing.
Ector County at a glance
14,677Applications decided
2023–2025
8,505Loans funded
58% of decisions
33Census tracts
8 ZIP codes
163,206People
ACS 2023
What the data shows
Lenders approved 63.3% of home-purchase applications in Ector County, 20.7 points below the Texas rate.
The typical purchase mortgage here is $245K.
Home improvement loans is the hardest money to get here: lenders approved 48% of 469 applications.
Lending by loan type in Ector County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 63.3% | 11,909 | $245K | 92% | 246 |
| Home improvement loans | 48.0% | 469 | $85K | 93% | 42 |
| Cash-out refinance | 55.0% | 613 | $175K | 92% | 85 |
| Refinance | 62.4% | 833 | $265K | 85% | 94 |
| Investment property purchase | 75.1% | 631 | $145K | 93% | 127 |
| Investment cash-out refinance | 74.6% | 122 | $165K | 91% | 54 |
| Investment refinance | 71.9% | 64 | $115K | 87% | 30 |
| Investment home improvement | 66.7% | 36 | $105K | 96% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.