Oconee State Bank in Georgia vs the state
4.5%Denial rate-14.74 pts vs state
5.6%Decision denial rate-19.51 pts vs state
75.6%Origination rate+21.54 pts vs state
—Median rate
—Rate spread (pts)
$125kMedian applicant income
270Loans originated
16Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 226 | 2.4% | — | #180 |
| 2024 | 309 | 244 | 3.2% | — | #192 |
| 2025 | 357 | 270 | 4.5% | — | #188 |
What Oconee State Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Oconee State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clarke County | 91 | 70 | 5 | 5.5% |
| Oconee County | 68 | 62 | 1 | 1.5% |
| Bibb County | 36 | 25 | 1 | 2.8% |
| Fulton County | 14 | 13 | 0 | 0.0% |
| Jones County | 14 | 4 | 2 | 14.3% |
| Monroe County | 11 | 6 | 0 | 0.0% |
| Gwinnett County | 11 | 8 | 0 | 0.0% |
| Madison County | 10 | 7 | 0 | 0.0% |
| Jackson County | 10 | 8 | 0 | 0.0% |
| Oglethorpe County | 9 | 7 | 1 | 11.1% |
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: 357 applications in 2025, of which 270 were originated and 16 denied.
4.5% of all applications, or 5.6% 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 State Bank'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