Lender profile · HMDA 2023–2025
O Bee mortgage approval rates & lending data
O Bee decided 1,077 mortgage applications and funded 805 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.