Oconee Federal Savings and Loan Association
Oconee Federal Savings and Loan Association received 163 applications in 2025 and made 128 mortgages, in 14 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $285,000. Of 150 decisions, 18 were denials — 12.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900HGO0ML9XQH7267 |
|---|---|
| Applications received | 163 |
| Mortgages made | 128 |
| Denied | 18 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Oconee Federal Savings and Loan Association, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 88 | Not published | $315,000 | 13.2% |
| Refinancing | 29 | Not published | $225,000 | 9.4% |
| Other purposes | 11 | Not published | $125,000 | 8.3% |
Where Oconee Federal Savings and Loan Association lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oconee County, SC | 72 | Not published | 13.3% |
| Anderson County, SC | 16 | Not published | 5.3% |
| Pickens County, SC | 9 | Under 10 loans | 9.1% |
| Rabun County, GA | 7 | Under 10 loans | 12.5% |
| Stephens County, GA | 6 | Under 10 loans | 14.3% |
| Darlington County, SC | 6 | Under 10 loans | 0.0% |
| Habersham County, GA | 3 | Under 10 loans | 25.0% |
| Greenville County, SC | 3 | Under 10 loans | 25.0% |
| Franklin County, GA | 2 | Under 10 loans | 0.0% |
| Dawson County, GA | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Lee County, SC | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 0 | Under 10 loans | 100.0% |
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When Oconee Federal Savings and Loan Association’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.