O Bee Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, O Bee Credit Union of Lacey, WA reported 790 mortgage applications totaling $148.1 million, up 7% from 2023. The average application was for $187,481, and applicants reported an average income of $176,684. 66% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Olympia-Tumwater, WA (422), Tacoma-Lakewood, WA (146) and Seattle-Bellevue-Everett, WA (64) (applications in parentheses).
| 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 | 790 |
| Total Mortgage Loan Application Amount | $148,110,000 |
| Average Mortgage Loan Application Amount | $187,481 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $176,684 |
| Highest Applicant Income | $1,656,000 |
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Act (HMDA) records O Bee Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 422 | $ 70,090,000 | $ 166,090 | $ 150,000 |
| Pierce, Washington | 146 | $ 27,710,000 | $ 189,794 | $ 194,000 |
| King, Washington | 64 | $ 19,750,000 | $ 308,593 | $ 301,000 |
| Lewis, Washington | 36 | $ 4,580,000 | $ 127,222 | $ 181,000 |
| Snohomish, Washington | 32 | $ 8,310,000 | $ 259,687 | $ 197,000 |
| Mason, Washington | 22 | $ 4,030,000 | $ 183,181 | $ 208,000 |
| Grays Harbor, Washington | 21 | $ 4,045,000 | $ 192,619 | $ 185,000 |
| Kitsap, Washington | 11 | $ 2,695,000 | $ 245,000 | $ 200,000 |
| Clallam, Washington | 5 | $ 1,215,000 | $ 243,000 | $ 141,000 |
| Clark, Washington | 4 | $ 330,000 | $ 82,500 | $ 102,000 |
| Spokane, Washington | 3 | $ 1,105,000 | $ 368,333 | $ 205,000 |
| Yakima, Washington | 3 | $ 425,000 | $ 141,666 | $ 145,000 |
| Cowlitz, Washington | 2 | $ 360,000 | $ 180,000 | $ 116,000 |
| Douglas, Washington | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Grant, Washington | 2 | $ 200,000 | $ 100,000 | $ 43,000 |
| Kittitas, Washington | 2 | $ 220,000 | $ 110,000 | $ 138,000 |
| Whatcom, Washington | 2 | $ 530,000 | $ 265,000 | $ 302,000 |
| Pinal, Arizona | 1 | $ 65,000 | $ 65,000 | $ 156,000 |
| Cedar, Iowa | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Allegheny, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 174,000 |
| McLennan, Texas | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Klickitat, Washington | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Pacific, Washington | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Skamania, Washington | 1 | $ 955,000 | $ 955,000 | $ 356,000 |
| Stevens, Washington | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Walla Walla, Washington | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for O Bee Credit Union in 2024
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 | 278 | $40,420,000 | $145,000 | $905,000 | $159,000 | $912,000 |
| Other Purpose | 263 | $35,535,000 | $135,000 | $1,005,000 | $165,000 | $1,656,000 |
| Home Purchase | 121 | $37,615,000 | $310,000 | $1,085,000 | $212,000 | $1,067,000 |
| Refinancing | 90 | $21,120,000 | $234,000 | $1,175,000 | $179,000 | $700,000 |
| Cash-out Refinancing | 38 | $13,420,000 | $353,000 | $1,305,000 | $269,000 | $1,067,000 |
| 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 | $83,555,000 | $183,000 | $1,305,000 | $152,000 | $912,000 |
| Not Provided | 260 | $54,770,000 | $210,000 | $1,085,000 | $228,000 | $1,656,000 |
| Asian | 31 | $5,065,000 | $163,000 | $505,000 | $179,000 | $682,000 |
| Hispanic | 22 | $2,500,000 | $113,000 | $375,000 | $113,000 | $209,000 |
| Black or African American | 15 | $1,715,000 | $114,000 | $275,000 | $143,000 | $460,000 |
| American Indian or Alaskan Native | 6 | $400,000 | $66,000 | $125,000 | $106,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $125,000 | $125,000 |
| 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) | 789 | $147,865,000 | $187,000 | $1,305,000 | $177,000 | $1,656,000 |
| FHA-insured (Federal Housing Administration) | 1 | $245,000 | $245,000 | $245,000 | $103,000 | $103,000 |
| 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 | 525 | $94,145,000 | $179,000 | $1,085,000 | $189,000 | $1,067,000 |
| Application Denied By Financial Institution | 111 | $16,125,000 | $145,000 | $905,000 | $129,000 | $912,000 |
| Application Withdrawn By Applicant | 76 | $19,550,000 | $257,000 | $1,305,000 | $157,000 | $974,000 |
| Application Approved But Not Accepted | 64 | $14,690,000 | $229,000 | $1,005,000 | $166,000 | $1,656,000 |
| File Closed For Incompleteness | 14 | $3,600,000 | $257,000 | $605,000 | $218,000 | $902,000 |
| 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 | 679 | $131,985,000 | $194,000 | $1,305,000 | $184,000 | $1,656,000 |
| Debt-To-Income Ratio | 52 | $9,380,000 | $180,000 | $905,000 | $135,000 | $912,000 |
| Credit History | 32 | $2,620,000 | $81,000 | $305,000 | $98,000 | $216,000 |
| Collateral | 14 | $2,260,000 | $161,000 | $375,000 | $150,000 | $250,000 |
| Other | 6 | $610,000 | $101,000 | $255,000 | $188,000 | $434,000 |
| Unverifiable Information | 5 | $655,000 | $131,000 | $255,000 | $114,000 | $258,000 |
| Employment History | 1 | $345,000 | $345,000 | $345,000 | $99,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $218,000 | $218,000 |
| 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 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About