Lenders › O Bee Credit Union › Washington
O Bee Credit Union in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
O Bee Credit Union's 2024 HMDA record for Washington covers 786 applications, 525 of them originated, worth $94m.
Its denial rate in the state was 15.6%, below the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 15.9%.
The median rate spread on its Washington originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | O Bee Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.6% | 21.3% | 15.9% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.0% | 15.8% | 12.0% | 15.6% |
| Average originated loan | $179k | $440k | $179k | $329k |
| Home purchase share | 14.9% | 54.5% | 14.9% | 57.0% |
| FHA-insured share | 0.0% | 9.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 15% (78)Home improvement 34% (181)Refinancing 10% (55)Cash-out refinancing 5% (26)Other purpose 35% (185)
By type
Conventional 100% (525)
Denial reasons as coded
Share of 109 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Thurston County | 422 | 291 | $47m | 13.3% |
| Pierce County | 146 | 90 | $15m | 21.3% |
| King County | 64 | 38 | $12m | 24.6% |
| Lewis County | 36 | 24 | $3.1m | 7.4% |
| Snohomish County | 32 | 22 | $5.2m | 23.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did O Bee Credit Union originate in Washington in 2024?
525 loans totalling $94m, from 786 applications reported for properties in Washington.
What is O Bee Credit Union's denial rate in Washington?
15.6% of decided applications in Washington were denied, against 21.3% for all lenders in the state and 15.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Washington counties does O Bee Credit Union lend in most?
By originations: Thurston County (291), Pierce County (90), King County (38), Lewis County (24), Snohomish County (22).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.