Oconee State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
67th6.0% deniedProcesswithdrawn + incomplete share, weight 15%
22nd19.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 292 | 229 | 2.4% | 3.0% | — | $46M |
| 2024 | 323 | 256 | 3.1% | 3.7% | — | $73M |
| 2025 | 368 | 278 | 4.9% | 6.0% | — | $85M |
What Oconee State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 55 investment properties.
Who gets approved at Oconee State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 12 | 20.0% |
| $50k – $100k | 111 | 74 | 8.6% |
| $100k – $150k | 76 | 61 | 6.2% |
| $150k – $250k | 87 | 65 | 1.5% |
| Over $250k | 54 | 46 | 6.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 12 | 0.0% |
| 25–34 | 87 | 60 | 7.6% |
| 35–44 | 80 | 60 | 6.3% |
| 45–54 | 55 | 48 | 7.7% |
| 55–64 | 66 | 48 | 3.9% |
| 65–74 | 25 | 19 | 9.5% |
Where Oconee State Bank lends
5 states and 50 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Oconee State Bank denied 6.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 12% for refinancing (including cash-out), and 26% for home improvement or other purposes. By loan type: 93% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.