Oconee Federal Savings and Loan Association in Georgia vs the state
12.0%Denial rate-7.22 pts vs state
13.6%Decision denial rate-11.43 pts vs state
76.0%Origination rate+21.91 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
19Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 23 | 22.9% | — | #466 |
| 2024 | 25 | 20 | 8.0% | — | #534 |
| 2025 | 25 | 19 | 12.0% | — | #544 |
What Oconee Federal Savings and Loan Association lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Oconee Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rabun County | 9 | 7 | 1 | 11.1% |
| Stephens County | 8 | 6 | 1 | 12.5% |
| Habersham County | 4 | 3 | 1 | 25.0% |
| Franklin County | 3 | 2 | 0 | 0.0% |
| Dawson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 25 applications in 2025, of which 19 were originated and 3 denied.
12.0% of all applications, or 13.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Oconee Federal Savings and Loan Association's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology