Feasibility Study Data for the Odessa, TX Metro Area

Odessa: what the area shows

Odessa, TX logged 229 SBA approvals in FY2017 to FY2026, worth $208.6 million in gross dollars. Odessa counts as a mid-table area, ranked 289 of 928 by loans. In Odessa, TX, every asset class is pooled for Odessa. That view of Odessa is missing from TX and national tables.

Odessa: half of loans run $150,000 to $1.1 million, around a median of $350,000. Outside data makes Odessa requests look light; at 1.68x, Odessa is well above the national level. 221 of the Odessa loans are 7(a); 8 are 504; Odessa borrowers meet 7(a) most. 17.9% of Odessa loans went to franchised businesses, so a Odessa study names the brand, if any, for Odessa.

Who lends in Odessa, and for what

Odessa's tracked classes with the most loans: hotel and motel with 10; full-service restaurant with 7; limited-service restaurant with 7; coffee shop and snack bar with 7. 165 Odessa loans sit outside the tracked classes, so Odessa operating businesses show up in these totals. Odessa's top counties by loans: 229 loans in Ector County, TX. Odessa 7(a) lending is led by 51 loans at SouthWest Bank ($28.8 million); 16 loans at Wells Fargo Bank National Association ($7.1 million); 13 loans at The Huntington National Bank ($10.7 million). SouthWest Bank, with 51 loans, tops the Odessa rows, each an SBA record of Odessa loans held or once held; none judges Odessa lenders.

Odessa approvals peaked in FY2025 at 37 loans and $30.9 million, bottomed at 15 in FY2020, and ended FY2026 at 18, lower than the 21 of FY2017. Odessa cancellations stand at 12.1%, a floor, for Odessa approvals in FY2017 to FY2024; Odessa's ceiling is withheld, never zero in Odessa. A charge-off floor for Odessa would rest on a thin cohort of 229 loans, so Odessa withholds it; withheld is not zero. Odessa, TX membership follows the July 2023 delineation; Odessa counties are matched by name, and a Odessa loan with no match is dropped, so 229 is a floor, and every Odessa rate is too.

Odessa: the study questions

Any Odessa study defines its Odessa trade area first, since lending in Ector County, TX differs from lending across Odessa, TX. If a Odessa concept resembles hotel and motel, Odessa offers size and lender precedent; other Odessa concepts must rest on their own Odessa evidence. Odessa costs belong on local bids; test Odessa debt service coverage for a loan near $350,000, and again near $1.1 million. Odessa is metropolitan; a Odessa appraisal belongs in one submarket, not behind Odessa averages. Nothing printed for Odessa predicts approval; each Odessa lender still reviews a study.