Largest lenders in Oconee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Synovus Bank | D | 112 | 74 | 19.6% | 7.50% |
| 2 | Regions Bank | C | 77 | 45 | 22.1% | 6.13% |
| 3 | United Shore Financial Services | B | 72 | 58 | 6.9% | 6.37% |
| 4 | Oconee State Bank | B | 68 | 62 | 1.5% | — |
| 5 | Rocket Mortgage | C | 67 | 52 | 13.4% | 6.99% |
| 6 | City National Bank of Florida | B | 58 | 42 | 6.9% | 6.49% |
| 7 | Robins Financial | B | 51 | 37 | 21.6% | 6.00% |
| 8 | Ameris Bank | B | 47 | 31 | 10.6% | 6.50% |
| 9 | Lennar Mortgage | A | 43 | 37 | 9.3% | 5.13% |
| 10 | Navy Federal Credit Union | D | 42 | 25 | 16.7% | 7.95% |
| 11 | Truist Bank | C | 41 | 22 | 34.2% | 6.20% |
| 12 | Bank of America | F | 41 | 20 | 17.1% | 5.99% |
| 13 | First American Bank and Trust | A | 36 | 34 | 0.0% | — |
| 14 | Pennymac Loan Services | C | 35 | 23 | 5.7% | 6.75% |
| 15 | Georgia United | D | 34 | 19 | 26.5% | 7.25% |
| 16 | Dhi Mortgage Company | B | 30 | 20 | 0.0% | 4.99% |
| 17 | Pinnacle Bank | C | 28 | 18 | 10.7% | — |
| 18 | Spring Eq | D | 27 | 9 | 44.4% | 9.58% |
| 19 | Crosscountry Mortgage | B | 26 | 15 | 3.9% | 6.63% |
| 20 | Freedom Mortgage | B | 22 | 9 | 4.6% | 6.25% |
| 21 | Newrez | D | 21 | 8 | 14.3% | 6.19% |
| 22 | United Community Bank | B | 19 | 12 | 31.6% | 6.50% |
| 23 | Fairway Independent Mortgage | B | 19 | 12 | 0.0% | 6.63% |
| 24 | Broker Solutions | D | 18 | 5 | 0.0% | 7.00% |
| 25 | Citizens Bank | C | 16 | 12 | 18.8% | 7.65% |
Best approval odds in Oconee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Oconee State Bank | 63 | 1.6% |
| 2 | United Shore Financial Services | 63 | 7.9% |
| 3 | Rocket Mortgage | 62 | 14.5% |
| 4 | Robins Financial | 51 | 21.6% |
| 5 | Synovus Bank | 99 | 22.2% |
| 6 | Regions Bank | 69 | 24.6% |
What Oconee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Oconee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,410 | 875 | 16.5% | 6.88% | $235,000 |
| 2024 | 1,616 | 1,032 | 14.7% | 6.99% | $285,000 |
| 2025 | 1,700 | 1,087 | 13.3% | 6.50% | $325,000 |
Frequently asked questions
13.3% of applications in Oconee County were denied in 2025, against 19.2% statewide in Georgia.
Synovus Bank, with 112 applications in 2025 and a denial rate of 19.6%.
The median mortgage application in Oconee County in 2025 was for $325,000; the median property value on originated loans was $605,000.