Applications / Mortgage Analytics / Lenders / Missouri / Bank of Odessa
Odessa, MO · State non-member bank · FDIC · $650 million assets · 285 loans in 2025
Bank of Odessa's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
285
loans originated, 2025
298
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Odessa, a Missouri bank, lends to borrowers of modest means more than about nine in ten similar lenders do.
Low- and moderate-income (LMI) borrowers took 42.5% of its 285 loans, up from 32.5% in 2024, against 28.0% at similar lenders (state non-member banks making between half and twice as many loans). Poorer neighborhoods (LMI tracts) took 26.3%, against 16.9%, higher than at about four in five similar lenders.
It made 285 loans, against 290 in 2024 and 278 in 2020, and has made between 270 and 320 every year since 2018. That 2% dip compares with 8% growth at similar lenders and 10% for the whole market. Purchases were 44.2% of its loans and refinances 41.8%.
It has lent in Kansas City since at least 1990 and ranks 65 of 659 lenders there. Its share slipped to 0.3%; CommunityAmerica Federal Credit Union and Fairway Independent Mortgage lead. Flat volume in a growing market is one possible reason.
Majority-minority areas took 1.8% of its loans, against 6.7% at similar lenders. Its lending is spread across non-metro Missouri and a small part of Kansas City, and where its branches sit may account for this.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Odessa took 298 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.2% · Refinance 41.8% · Home improvement 8.1% · Other 6.0%
Conventional 100.0% · of 285 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 285 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 230 |
| Jefferson City | 2 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001TX1L6BVUQ0J60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 819453 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39803 | 1990–2017 |
Established 1 January 1880. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Odessa's data.
Bank of Odessa's data
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Bank of Odessa and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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