At a glance
From its website, read 2 Nov 2026O BEE credit union is a credit union based in Lacey, Washington. Its website describes home mortgages.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.obee.com |
|---|---|
| Office (official list) | 649 Woodland Square Loop SE. Suite 100, Lacey, WA 98503 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Nov 2020 |
| RSSD ID | 201094 |
| Address | 649 Woodland Square Loop SE. Suite 100, Lacey, WA 98503 Directions (Google Maps) |
| Website | www.obee.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: low. The fetched pages contain only titles and no loan body text, so the service area and loan terms are unstated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | Fixed Rate Mortgage | O Bee Credit Union | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.obee.com/
- https://www.obee.com/Borrow/Mortgages/Fixed-Rate-Mortgage/
- https://www.obee.com/Borrow/Mortgages/Meet-the-Team/
- https://www.obee.com/Borrow/Mortgages/Apply-For-A-Mortgage/Mortgage-Checklist.aspx/
- https://www.obee.com/Borrow/Rate/
- https://www.obee.com/borrow/rate/
- https://www.obee.com/Borrow/Mortgages/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.8 million in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
Emergency Capital Investment Program (ECIP)
Treasury invested $10 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as O BEE (charter 60059). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $676.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 36,634 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Washington (7 offices)
- Pierce County (1): 8002 Pacific Ave, Tacoma 98408
- Thurston County (6): 649 Woodland Square Loop SE, Lacey 98503 (main office); 8665 Martin Way E, Lacey 98516; 410 Cooper Point Rd SW, Olympia 98502; 149 Sussex Ave W, Tenino 98589; 3900 Cleveland Ave SE, Tumwater 98501; 1201 Yelm Ave E Ste 100, Yelm 98597
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by O BEE credit union (NCUA charter 60059, filed as “O BEE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $603.2 million, 18,949 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 5.5% from $571.7 million on 30 Jun 2025 |
| Members | 36,634 (as of 30 Jun 2026); 35,548 (as of 30 Jun 2025) |
| Loans per member | $16,466 (total loans divided by members, 30 Jun 2026) |
| Total assets | $676.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $28.5 million | 4.7% |
| Used vehicle loans | $119.8 million | 19.9% |
| First-lien home mortgages (1-4 family) | $118.1 million | 19.6% |
| Other real estate loans (junior liens, other) | $180.4 million | 29.9% |
| Commercial (business) loans | $106.6 million | 17.7% |
| Credit cards | $18.7 million | 3.1% |
| Other unsecured loans | $15.7 million | 2.6% |
| Leases and other secured loans | $15.5 million | 2.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025O BEE credit union reported 454 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $90.4M (median loan about $155,000). 82 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 82 | 18% |
| Refinance (incl. 34 cash-out) | 125 | 28% |
| Home improvement | 141 | 31% |
| Other purpose | 106 | 23% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 454 | 100% |
Included above: 361 home-equity or other open-end lines of credit; 27 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 3 counties with at least one; 100% of its 2025 loans were for properties in Washington:
- Thurston County, WA (238)
- Pierce County, WA (80)
Filed under LEI 549300ML3H1LUVR1FP75 as “O Bee Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $878,700 (15 loans) | All 7(a) lenders in Washington: $210,000. Larger than the median loan of 96% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 8 → 5 | Rank among the 3 certified CDFIs in Washington with SBA approvals in either period: 2 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $676.6 million | Larger than 50% of the 8 other certified credit unions in Washington (median $580.7 million). |
| Loans as a share of assets | 89% | Median of the same 8 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $571.7 million → $603.2 million (+6%) | Median change of 8 other certified credit unions in Washington: +5%. Rank by loans held among these 9: 5 → 4. |
| Home loans originated in 2025 (HMDA) | 454 | More than 86% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 96% |
| SBA approvals then vs now | certified CDFIs in Washington with SBA approvals FY2023–2026 | 2 | rank 2 → 2 of 3 |
| Call Report total assets | other certified credit unions in Washington | 8 | larger than 50% |
| Loans held then vs now | certified credit unions in Washington reporting both dates | 8 | rank 5 → 4 of 9 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 86% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 21 SBA-backed approvals for O BEE credit union in fiscal years 2020–2026 (October 2019 to September 2026):
- 15 7(a) loans as the lender: $15.5M in total (gross amount approved), median $878,700
- 6 504 projects as the third-party (first-lien) lender: $7.7M in total (its own third-party loan amount), median $837,875
By fiscal year: FY2020 0 · FY2021 4 · FY2022 4 · FY2023 5 · FY2024 3 · FY2025 1 · FY2026 4.
What actually happened
- Size of its 7(a) loans: half were between $433,850 and $1.1M, median $878,700 (15 loans)
- Term of its 7(a) loans: median 120 months (10 years) (15 loans)
- Fixed or variable: 7% of its 7(a) loans had a fixed rate (15 loans)
- Young businesses: 27% of its 7(a) loans went to a startup or a business two years old or less (15 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (14, 67%)
- 504 projects (as the third-party lender) (6, 29%)
- 7(a) working-capital and trade lines (1, 5%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (5)
- Retail trade (5)
- Professional, scientific, and technical services (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Thurston County, WA (9)
- King County, WA (5)
- Pierce County, WA (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “O Bee Credit Union”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “OBee Credit Union”); NCUA charter 60059, found through the RSSD ID in NCUA records (SBA lists “O Bee Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. O BEE credit union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Lacey and Washington
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