O Bee mortgage approval rate & lending review
O Bee decided 1,077 mortgage applications and funded 805 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions O Bee reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
O Bee at a glance
Approval is 12.0 points above the 70.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 192 / 204 | 82% | $295K | 158 |
| Home improvement loans | 79% | 414 / 524 | 92% | $85K | 380 |
| Cash-out refinance | 85% | 39 / 46 | 92% | $315K | 36 |
| Refinance | 82% | 143 / 175 | 94% | $155K | 135 |
| Investment property purchase | 97% | 32 / 33 | 97% | $175K | 31 |
| Investment cash-out refinance | 92% | 24 / 26 | 96% | $335K | 23 |
| Investment refinance | 72% | 18 / 25 | 83% | $185K | 15 |
| Investment home improvement | 68% | 30 / 44 | 90% | $125K | 27 |
O Bee lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 83% | $125K | 1,077 | 805 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where O Bee lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Thurston County, WA | Home improvement loans | 81% | 343 | 250 |
| Thurston County, WA | Mortgage lenders | 97% | 141 | 111 |
| Thurston County, WA | Refinance | 83% | 123 | 97 |
| Pierce County, WA | Home improvement loans | 78% | 118 | 87 |
| Thurston County, WA | Cash-out refinance | 86% | 37 | 29 |
| Pierce County, WA | Refinance | 79% | 39 | 28 |
| King County, WA | Home improvement loans | 76% | 34 | 25 |
The county markets where O Bee made the most loans. Each link opens that market with every lender ranked.
Questions about O Bee
What is O Bee's mortgage approval rate?
O Bee approved 82.8% of the 1,077 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points above the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan O Bee offers?
Borrowers accepted 90% of the loans O Bee approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does O Bee make?
The typical home improvement loan loan O Bee made was $85K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does O Bee lend?
O Bee decided applications in 1 of the states Fat Boy Data covers, most of them in Washington.
Can I apply to O Bee directly?
Yes. O Bee is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show O Bee's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how O Bee treats applications, then get a rate quote from the lender.