Oconee Federal Savings and Loan Association in South Carolina vs the state
11.0%Denial rate-7.36 pts vs state
11.8%Decision denial rate-11.66 pts vs state
78.8%Origination rate+22.22 pts vs state
—Median rate
—Rate spread (pts)
$134kMedian applicant income
108Loans originated
15Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 95 | 10.5% | — | #220 |
| 2024 | 82 | 67 | 7.3% | — | #265 |
| 2025 | 137 | 108 | 11.0% | — | #218 |
What Oconee Federal Savings and Loan Association lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Oconee Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oconee County | 89 | 72 | 11 | 12.4% |
| Anderson County | 20 | 16 | 1 | 5.0% |
| Pickens County | 13 | 9 | 1 | 7.7% |
| Darlington County | 8 | 6 | 0 | 0.0% |
| Greenville County | 4 | 3 | 1 | 25.0% |
| Charleston County | 1 | 1 | 0 | 0.0% |
| Georgetown County | 1 | 0 | 1 | 100.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 137 applications in 2025, of which 108 were originated and 15 denied.
11.0% of all applications, or 11.8% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
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 South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology