# O Bee Credit Union

> **Canonical URL:** https://saferate.com/lenders/o-bee-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


O Bee Credit Union is a credit union, headquartered in Lacey, WA, with 38 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ML3H1LUVR1FP75
- **Headquarters:** Lacey, WA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.181%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,868
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 38
- **Dollar Volume:** $15 million
- **Applications Received:** 69
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $405,789
- **Average Borrower Income:** $195,211
- **Average Property Value:** $615,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 37 | -0.181% | $4,868 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 20 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 18 | $8M | -0.122% | Mediocre 😐 |
| Refinance | 43/100 | 20 | $7M | -0.235% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 38 | 0.04% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Olympia | WA | 22 | 67/100 |

## Where This Lender Ranks

O Bee Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Olympia Credit Unions
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Olympia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does O Bee Credit Union offer?

O Bee Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does O Bee Credit Union offer mortgages?

O Bee Credit Union offers mortgages in 1 states: WA.

### How competitive are O Bee Credit Union's mortgage rates?

O Bee Credit Union has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.181% below market average.

### What type of lender is O Bee Credit Union?

O Bee Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lacey, WA.

### What is O Bee Credit Union's loan approval success rate?

O Bee Credit Union has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/o-bee-credit-union

### How to Cite

> "O Bee Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/o-bee-credit-union

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