O Bee Credit Union in Washington vs the state
17.3%Denial rate+1.67 pts vs state
18.9%Decision denial rate-0.64 pts vs state
63.4%Origination rate+2.35 pts vs state
8.00%Median rate+1.38 pts vs state
0.74Rate spread (pts)+0.55 pts vs state
$136kMedian applicant income
454Loans originated
124Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 735 | 461 | 18.6% | 7.75% | #67 |
| 2024 | 786 | 525 | 13.9% | 8.75% | #70 |
| 2025 | 716 | 454 | 17.3% | 8.00% | #79 |
What O Bee Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most O Bee Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Thurston County | 374 | 238 | 52 | 13.9% |
| Pierce County | 125 | 80 | 28 | 22.4% |
| Grays Harbor County | 1 | 1 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 716 applications in 2025, of which 454 were originated and 124 denied.
17.3% of all applications, or 18.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans O Bee Credit Union originated in Washington in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are O Bee Credit Union's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology