Applications / Mortgage Analytics / Lenders / Washington / O Bee Credit Union
Lacey, WA · Credit union · NCUA · $652 million assets · 454 loans in 2025
O Bee Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
454
loans originated, 2025
717
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
O Bee Credit Union, of Lacey, Washington, made fewer loans in 2025 while its market grew, and lost a little ground at home.
Home improvement made up 31.1% of its loans, refinances 27.5%, other purposes 23.3% and purchases 18.1%. Manufactured homes took 5.9%, against 0.3% at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten. Its typical loan was $155,000, against $105,000.
It made 454 loans, down 14% from 525. Similar lenders typically grew 6% and the whole market 10%; its change was lower than nearly nine in ten of them. In Olympia-Lacey-Tumwater, its home market since 1992, it ranked 18 of 303 lenders, and its share fell 0.4 points to 1.5%. United Wholesale Mortgage and Guild Mortgage Company led. The smaller share follows its fewer loans, and a book weighted to home improvement rather than purchase may also play a part.
Low- and moderate-income (LMI) neighborhoods received 17.5% of its loans, against 15.3% at similar lenders, higher than about three in five. LMI borrowers took 20.8%, against 27.5%, lower than about four in five. Its larger typical loan may mean borrowers with higher incomes, and it lends in only 3 counties.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. O Bee Credit Union took 717 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 31.1% · Refinance 27.5% · Other 23.3% · Purchase 18.1%
Conventional 100.0% · of 454 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 319 | 70.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Olympia-Lacey-Tumwater | 238 |
| Tacoma-Lakewood | 80 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ML3H1LUVR1FP75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 201094 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560059 | 1992–2017 |
Established 1 January 1955. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: O Bee Credit Union's data.
O Bee Credit Union's data
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O Bee Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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