O Bee Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, O Bee Credit Union of Lacey, WA reported 764 mortgage applications totaling $121.3 million, down 9% from 2020. The average application was for $158,756, and applicants reported an average income of $163,058. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Olympia-Tumwater, WA (392) and Tacoma-Lakewood, WA (174).
| 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 | 764 |
| Total Mortgage Loan Application Amount | $121,290,000 |
| Average Mortgage Loan Application Amount | $158,756 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $163,058 |
| Highest Applicant Income | $4,058,000 |
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Act (HMDA) records O Bee Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 392 | $ 53,380,000 | $ 136,173 | $ 153,000 |
| Pierce, Washington | 174 | $ 30,650,000 | $ 176,149 | $ 187,000 |
Mortgage Loan Application Detail Totals for O Bee Credit Union in 2021
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 | 321 | $34,485,000 | $107,000 | $735,000 | $141,000 | $611,000 |
| Other Purpose | 179 | $21,845,000 | $122,000 | $705,000 | $174,000 | $4,058,000 |
| Refinancing | 131 | $30,875,000 | $235,000 | $1,445,000 | $168,000 | $1,608,000 |
| Home Purchase | 131 | $33,725,000 | $257,000 | $1,475,000 | $184,000 | $948,000 |
| Cash-out Refinancing | 2 | $360,000 | $180,000 | $255,000 | $1,029,000 | $1,740,000 |
| 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 | 474 | $65,490,000 | $138,000 | $1,175,000 | $160,000 | $4,058,000 |
| Not Provided | 217 | $45,705,000 | $210,000 | $1,475,000 | $177,000 | $1,608,000 |
| Hispanic | 22 | $2,300,000 | $104,000 | $325,000 | $101,000 | $308,000 |
| Asian | 21 | $4,245,000 | $202,000 | $735,000 | $187,000 | $611,000 |
| Black or African American | 15 | $1,775,000 | $118,000 | $575,000 | $148,000 | $281,000 |
| American Indian or Alaskan Native | 9 | $1,325,000 | $147,000 | $445,000 | $108,000 | $227,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $115,000 | $38,000 | $65,000 | $96,000 | $96,000 |
| 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) | 764 | $121,290,000 | $158,000 | $1,475,000 | $163,000 | $4,058,000 |
| 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 | 589 | $96,885,000 | $164,000 | $1,475,000 | $172,000 | $4,058,000 |
| Application Denied By Financial Institution | 99 | $13,335,000 | $134,000 | $1,175,000 | $118,000 | $503,000 |
| Application Withdrawn By Applicant | 64 | $9,060,000 | $141,000 | $555,000 | $154,000 | $1,740,000 |
| Application Approved But Not Accepted | 12 | $2,010,000 | $167,000 | $475,000 | $116,000 | $227,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 665 | $107,955,000 | $162,000 | $1,475,000 | $169,000 | $4,058,000 |
| Debt-To-Income Ratio | 32 | $3,860,000 | $120,000 | $575,000 | $87,000 | $326,000 |
| Credit History | 30 | $2,730,000 | $91,000 | $255,000 | $84,000 | $183,000 |
| Collateral | 23 | $3,815,000 | $165,000 | $1,175,000 | $153,000 | $357,000 |
| Other | 10 | $2,510,000 | $251,000 | $765,000 | $208,000 | $382,000 |
| Employment History | 3 | $215,000 | $71,000 | $105,000 | $114,000 | $144,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $503,000 | $503,000 |
| Credit Application Incomplete | 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 2021 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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