O Bee Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, O Bee Credit Union of Lacey, WA reported 241 mortgage applications totaling $36.7 million, up 33% from 2011. The average application was for $152,327, and applicants reported an average income of $81,589. 63% of its applications resulted in an originated loan and 12% were denied. Its largest market was Olympia, WA (195).
| 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 | 241 |
| Total Mortgage Loan Application Amount | $36,711,000 |
| Average Mortgage Loan Application Amount | $152,327 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $81,589 |
| Highest Applicant Income | $666,000 |
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Act (HMDA) records O Bee Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Thurston, Washington | 196 | $ 30,527,000 | $ 155,750 | $ 83,000 |
| Mason, Washington | 3 | $ 576,000 | $ 192,000 | $ 68,000 |
| Grant, Washington | 1 | $ 161,000 | $ 161,000 | $ 65,000 |
| Whitman, Washington | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for O Bee Credit Union in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 169 | $24,813,000 | $146,000 | $417,000 | $85,000 | $666,000 |
| Home Purchase | 67 | $11,563,000 | $172,000 | $373,000 | $74,000 | $291,000 |
| Home Improvement | 5 | $335,000 | $67,000 | $126,000 | $68,000 | $118,000 |
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 | 193 | $30,140,000 | $156,000 | $417,000 | $85,000 | $666,000 |
| Not Provided | 20 | $3,146,000 | $157,000 | $388,000 | $71,000 | $126,000 |
| Hispanic | 10 | $1,139,000 | $113,000 | $254,000 | $81,000 | $216,000 |
| American Indian or Alaskan Native | 9 | $1,060,000 | $117,000 | $245,000 | $54,000 | $139,000 |
| Asian | 6 | $776,000 | $129,000 | $215,000 | $90,000 | $128,000 |
| Black or African American | 2 | $240,000 | $120,000 | $145,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $51,000 | $51,000 |
| 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) | 213 | $31,392,000 | $147,000 | $417,000 | $84,000 | $666,000 |
| FHA-insured (Federal Housing Administration) | 18 | $3,435,000 | $190,000 | $290,000 | $69,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,577,000 | $197,000 | $336,000 | $76,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $307,000 | $153,000 | $210,000 | $37,000 | $42,000 |
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 | 152 | $21,923,000 | $144,000 | $417,000 | $88,000 | $666,000 |
| Application Withdrawn By Applicant | 39 | $7,259,000 | $186,000 | $388,000 | $83,000 | $200,000 |
| Application Denied By Financial Institution | 29 | $4,816,000 | $166,000 | $417,000 | $61,000 | $162,000 |
| Application Approved But Not Accepted | 18 | $2,323,000 | $129,000 | $261,000 | $70,000 | $128,000 |
| Preapproval Denied by Financial Institution | 2 | $290,000 | $145,000 | $195,000 | $65,000 | $96,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $34,000 | $34,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $180,000 | $180,000 | $180,000 | $0 | $0 |
| Other | 1 | $210,000 | $210,000 | $210,000 | $84,000 | $84,000 |
| Unverifiable Information | 1 | $130,000 | $130,000 | $130,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into O Bee Credit Union's 2012 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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