# Olympia Federal Savings & Loan Association

> **Canonical URL:** https://saferate.com/lenders/olympia-federal-savings-loan-association


> **📋 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


Olympia Federal Savings & Loan Association is a bank, headquartered in Olympia, WA, with 121 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549008GIE3QVYB2FT28
- **Headquarters:** Olympia, WA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.241%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,636
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 121
- **Dollar Volume:** $58 million
- **Applications Received:** 205
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $478,471
- **Average Borrower Income:** $194,967
- **Average Property Value:** $720,455

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 108 | -0.246% | $2,340 | Sound ☺️ |
| Jumbo | 61/100 | 13 | -0.184% | $5,883 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 48/100 (Sound)
- Refinance: 20 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 100 | $50M | -0.100% | Sound ☺️ |
| Refinance | 46/100 | 21 | $7M | -0.662% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 121 | 0.14% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Olympia | WA | 71 | 86/100 |
| Non |  | 38 | 46/100 |

## Where This Lender Ranks

Olympia Federal Savings & Loan Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Olympia for Jumbo Loans
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Olympia for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Olympia Banks
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/banks)
- 🏆 **#7** in Olympia for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Olympia Federal Savings & Loan Association offer?

Olympia Federal Savings & Loan Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Olympia Federal Savings & Loan Association offer mortgages?

Olympia Federal Savings & Loan Association offers mortgages in 1 states: WA.

### How competitive are Olympia Federal Savings & Loan Association's mortgage rates?

Olympia Federal Savings & Loan Association has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.241% below market average.

### What type of lender is Olympia Federal Savings & Loan Association?

Olympia Federal Savings & Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Olympia, WA.

### What is Olympia Federal Savings & Loan Association's loan approval success rate?

Olympia Federal Savings & Loan Association has a pull-through score of 39/100 (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/olympia-federal-savings-loan-association

### How to Cite

> "Olympia Federal Savings & Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/olympia-federal-savings-loan-association

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