Odessa
Metropolitan Statistical Area · MSA Code 36220
According to CFPB HMDA 2024 application volume among tracked metros, Odessa ranks #243 of 418.
Mortgage lending activity in the Odessa metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Odessa Metropolitan Statistical Area (MSA code 36220) recorded 7,985 HMDA-reported mortgage applications in 2024. Lenders originated 2,954 of those and denied others at a rate of 24.1%, for an approval (origination) rate of 37.0%. The average loan amount across the MSA was $211,590 at an average note rate of 6.94%. 20 major lenders are tracked for this metro - DHI Mortgage Company, LTD., 21st Mortgage, PRIMELENDING lead by origination volume. Among the 418 metros tracked, Odessa ranks #413 by denial rate (the 1st percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Odessa denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 24.1% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $211,590 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Odessa
In Odessa, lead originator DHI Mortgage Company, LTD. funded 13.5% of 2,954 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 29.6% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Odessa's 24.1% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Odessa's 7,985 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Odessa's $211,590 average loan (deduped against denial and volume peers).
Lenders active in the Odessa metro
DHI Mortgage Company, LTD. funded 398 of the 2,954 loans originated here, 13.5% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 398 | 537 | $315,633 | 13.5% |
| 2 | 21st Mortgage | 250 | 1,734 | $148,922 | 8.5% |
| 3 | PRIMELENDING | 226 | 276 | $222,500 | 7.7% |
| 4 | United Wholesale Mortgage | 187 | 235 | $248,234 | 6.3% |
| 5 | Rocket Mortgage | 112 | 167 | $223,623 | 3.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Odessa borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Odessa page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.