O Bee Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, O Bee Credit Union of Lacey, WA reported 717 mortgage applications totaling $135.1 million, down 9% from 2024. The average application was for $188,486, and applicants reported an average income of $190,175. 63% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Olympia-Tumwater, WA (374) and Tacoma-Lakewood, WA (125).
| Mortgage Company & Address | O Bee Credit Union 3900 Cleveland Ave Se Lacey, WA 98509 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 717 |
| Total Mortgage Loan Application Amount | $135,145,000 |
| Average Mortgage Loan Application Amount | $188,486 |
| Highest Mortgage Loan Application Amount | $1,185,000 |
| Average Applicant Income | $190,175 |
| Highest Applicant Income | $4,365,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records O Bee Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for O Bee Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 240 | $36,220,000 | $150,000 | $1,005,000 | $177,000 | $2,089,000 |
| Other Purpose | 198 | $25,200,000 | $127,000 | $1,005,000 | $182,000 | $4,365,000 |
| Refinancing | 122 | $25,250,000 | $206,000 | $565,000 | $180,000 | $696,000 |
| Home Purchase | 109 | $32,575,000 | $298,000 | $1,185,000 | $216,000 | $2,456,000 |
| Cash-out Refinancing | 48 | $15,900,000 | $331,000 | $1,015,000 | $257,000 | $1,380,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 455 | $80,495,000 | $176,000 | $1,025,000 | $181,000 | $4,365,000 |
| Not Provided | 171 | $40,525,000 | $236,000 | $1,185,000 | $229,000 | $1,244,000 |
| Asian | 39 | $8,205,000 | $210,000 | $905,000 | $219,000 | $809,000 |
| Hispanic | 29 | $3,485,000 | $120,000 | $445,000 | $120,000 | $260,000 |
| Black or African American | 12 | $1,490,000 | $124,000 | $375,000 | $149,000 | $302,000 |
| American Indian or Alaskan Native | 9 | $815,000 | $90,000 | $205,000 | $88,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $105,000 | $45,000 | $62,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 717 | $135,145,000 | $188,000 | $1,185,000 | $190,000 | $4,365,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 454 | $90,430,000 | $199,000 | $1,185,000 | $213,000 | $4,365,000 |
| Application Denied By Financial Institution | 125 | $20,575,000 | $164,000 | $755,000 | $143,000 | $809,000 |
| Application Approved But Not Accepted | 78 | $14,290,000 | $183,000 | $905,000 | $177,000 | $711,000 |
| Application Withdrawn By Applicant | 51 | $7,955,000 | $155,000 | $405,000 | $124,000 | $664,000 |
| File Closed For Incompleteness | 9 | $1,895,000 | $210,000 | $505,000 | $159,000 | $204,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 592 | $114,570,000 | $193,000 | $1,185,000 | $200,000 | $4,365,000 |
| Debt-To-Income Ratio | 62 | $11,890,000 | $191,000 | $675,000 | $134,000 | $809,000 |
| Credit History | 30 | $2,880,000 | $96,000 | $305,000 | $146,000 | $376,000 |
| Collateral | 18 | $3,850,000 | $213,000 | $755,000 | $174,000 | $554,000 |
| Other | 13 | $1,885,000 | $145,000 | $405,000 | $154,000 | $294,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into O Bee Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess O Bee Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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