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 score and performance metrics.

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 an overall pricing score of 20.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is O Bee Credit Union?

O Bee Credit Union is a Credit Union headquartered in Lacey, WA.

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O Bee Credit Union

Credit Union•Lacey, WAHQ•Direct•Reviews near you on Google

O Bee Credit Union has 38 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,868)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

O Bee Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 18.1 bps below market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

37 loans · 0.18% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

18 loans · 0.12% below market

Mediocre

Bottom 20% of lenders

1/5

Refinance

20 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Sound	37	97.4%	-0.181%Below	$4,868Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume37

Mix97.4%

Spread

-0.181%Below

Fees

$4,868Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	18	47.4%	-0.122%Below	$5,036Fees
Refinance	Sound	Sound	—	Sound	20	52.6%	-0.235%Below	$4,718Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume18

Mix47.4%

Spread

-0.122%Below

Fees

$5,036Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume20

Mix52.6%

Spread

-0.235%Below

Fees

$4,718Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$15 million

Pricing & Closing

Avg Rate Spread

-0.181%

vs. market APOR

Avg Net Fees

$4,868

Origination − Credits

Pullthrough Rate

55.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$405,789

Avg Borrower Income

$195,211

Avg Property Value

$615,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Olympia, WAMetro

Volume 22Mix 57.89% of portfolio

67/100

Strong

Top States by Place Specialization Score

WashingtonState

Volume 38Mix 100.00% of portfolio

63/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.