Mortgage lending in Odessa, TX
3,100 mortgages were originated in the Odessa, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,100
- Median rate
- 6.750%
- Median lender fees
- $9,479
- Median loan amount
- $235,000
- Median spread over APOR
- 0.676
- Paid discount points
- 44%
- Received lender credits
- 24.4%
- Purchases / refinances
- 79.7% / 14.9%
- Conventional / FHA / VA
- 51.2% / 44.3% / 4.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Odessa, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| 21st Mortgage Corporation | 257 | $7,393 | 9.860% |
| DHI MORTGAGE COMPANY, LTD. | 249 | $9,703 | 4.875% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 202 | $10,116 | 6.625% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 174 | $10,705 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 153 | $10,409 | 6.303% |
| Complex Community Federal Credit Union | 148 | — | — |
| Rocket Mortgage, LLC | 146 | $6,742 | 6.625% |
| GUARANTEED RATE, INC. | 104 | — | 6.625% |
| RIGHT START MORTGAGE, INC. | 89 | $12,153 | 6.750% |
| Waterstone Mortgage Corporation | 77 | $12,772 | 6.750% |