Oconee State Bank
Oconee State Bank received 368 applications in 2025 and made 278 mortgages, in 50 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 298 decisions, 18 were denials — 6.0%.
| Legal Entity Identifier | 254900OPB6J0NM26JY33 |
|---|---|
| Applications received | 368 |
| Mortgages made | 278 |
| Denied | 18 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 70 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Oconee State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 161 | Not published | $275,000 | 3.6% |
| Refinancing | 29 | Not published | $305,000 | 3.3% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 82 | Not published | $105,000 | 11.7% |
Where Oconee State Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clarke County, GA | 70 | Not published | 6.7% |
| Oconee County, GA | 62 | Not published | 1.6% |
| Bibb County, GA | 25 | Not published | 3.9% |
| Fulton County, GA | 13 | Not published | 0.0% |
| Houston County, GA | 9 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 8 | Under 10 loans | 0.0% |
| Jackson County, GA | 8 | Under 10 loans | 0.0% |
| Barrow County, GA | 7 | Under 10 loans | 0.0% |
| Madison County, GA | 7 | Under 10 loans | 0.0% |
| Oglethorpe County, GA | 7 | Under 10 loans | 12.5% |
| Monroe County, GA | 6 | Under 10 loans | 0.0% |
| Elbert County, GA | 5 | Under 10 loans | 28.6% |
| Walton County, GA | 5 | Under 10 loans | 0.0% |
| Forsyth County, GA | 4 | Under 10 loans | 0.0% |
| Jones County, GA | 4 | Under 10 loans | 33.3% |
| Cobb County, GA | 2 | Under 10 loans | 33.3% |
| Hall County, GA | 2 | Under 10 loans | 0.0% |
| Morgan County, GA | 2 | Under 10 loans | 0.0% |
| Putnam County, GA | 2 | Under 10 loans | 0.0% |
| Toombs County, GA | 2 | Under 10 loans | 0.0% |
| White County, GA | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 0.0% |
| Washington County, TN | 2 | Under 10 loans | 50.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Appling County, GA | 1 | Under 10 loans | 0.0% |
| Baldwin County, GA | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Candler County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Dodge County, GA | 1 | Under 10 loans | 0.0% |
| Franklin County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 50.0% |
| Hart County, GA | 1 | Under 10 loans | 0.0% |
| Laurens County, GA | 1 | Under 10 loans | 0.0% |
| Lumpkin County, GA | 1 | Under 10 loans | 0.0% |
| Murray County, GA | 1 | Under 10 loans | 0.0% |
| Newton County, GA | 1 | Under 10 loans | 0.0% |
| Peach County, GA | 1 | Under 10 loans | 0.0% |
| Stephens County, GA | 1 | Under 10 loans | 0.0% |
| Wilkes County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
| Bleckley County, GA | 0 | Under 10 loans | 100.0% |
| Butts County, GA | 0 | Under 10 loans | Not published |
| McDuffie County, GA | 0 | Under 10 loans | Not published |
| Upson County, GA | 0 | Under 10 loans | Not published |
| Washington County, GA | 0 | Under 10 loans | 100.0% |
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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.