Mortgage lenders in Oconee County
2,006 mortgages were made in Oconee County, South Carolina, in 2025, by 338 lenders. The median rate their borrowers got was 6.624% on a median loan of $230,000. Of 2,713 decisions, 614 were denials — 22.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 165 | 6.875% | $175,000 | 14.3% |
| 894500CFQPXSLHK0OK52 | 146 | 6.625% | $225,000 | 0.7% |
| S. C. STATE FEDERAL CREDIT UNION | 113 | 4.500% | $105,000 | 11.0% |
| SouthState Bank, National Association | 108 | 6.975% | $255,000 | 17.2% |
| Oconee Federal Savings and Loan Association | 72 | Not published | $265,000 | 13.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | 6.249% | $255,000 | 12.8% |
| NVR Mortgage Finance, Inc. | 70 | 5.990% | $245,000 | 16.7% |
| First-Citizens Bank & Trust Company | 46 | 5.995% | $205,000 | 34.7% |
| Truist Bank | 42 | 6.550% | $190,000 | 30.8% |
| Mortgage Research Center, LLC | 33 | 6.250% | $265,000 | 27.1% |
| UNION HOME MORTGAGE CORP. | 31 | 6.375% | $255,000 | 6.1% |
| Bank of America, National Association | 30 | 6.058% | $225,000 | 47.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 30 | 6.813% | $225,000 | 0.0% |
| 21st Mortgage Corporation | 29 | 9.810% | $135,000 | 62.4% |
| Wells Fargo Bank, National Association | 28 | 6.250% | $285,000 | 12.5% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.499% | $205,000 | 10.7% |
| Navy Federal Credit Union | 22 | 7.250% | $255,000 | 29.0% |
| NEWREZ LLC | 21 | 6.500% | $255,000 | 25.0% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.990% | $265,000 | 0.0% |
| TD Bank, National Association | 18 | 7.440% | $205,000 | 32.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 18 | 6.490% | $360,000 | 4.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.625% | $275,000 | 5.3% |
| DHI MORTGAGE COMPANY, LTD. | 17 | 5.250% | $245,000 | 26.1% |
| GUARANTEED RATE, INC. | 17 | 6.375% | $185,000 | 14.3% |
| United Community Bank | 15 | 6.500% | $365,000 | 28.6% |
| Ameris Bank | 14 | 6.625% | $305,000 | 22.2% |
| Loandepot.Com, LLC | 13 | 6.375% | $145,000 | 43.5% |
| NATIONSTAR MORTGAGE LLC | 13 | 7.000% | $165,000 | 18.8% |
| Fifth Third Bank, National Association | 13 | 5.875% | $815,000 | 18.8% |
| Blue Ridge Bank | 12 | Not published | $160,000 | 31.6% |
| LOWER, LLC | 12 | 6.625% | $305,000 | 7.7% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.750% | $265,000 | 7.7% |
| Southern First Bank | 12 | 6.938% | $615,000 | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 12 | 6.563% | $300,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.875% | $255,000 | 25.0% |
| Regions Bank | 11 | 6.250% | $255,000 | 56.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.490% | $125,000 | 21.4% |
| FOUNDERS FEDERAL CREDIT UNION | 11 | 7.500% | $155,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 10.425% | $120,000 | 79.4% |
| SPRING EQ, LLC | 10 | 9.800% | $75,000 | 61.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 10 | 6.495% | $240,000 | 23.1% |
| ACOPIA, LLC | 10 | 5.563% | $460,000 | 6.7% |
| GUILD MORTGAGE COMPANY | 10 | 6.750% | $205,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 57.1% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| INSPIRE HOME LOANS INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HQ Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Park National Bank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Truliant Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RAPID MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Spero Financial | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 58.8% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 14.3% |
| PINNACLE BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bank of Travelers Rest | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Building and Loan, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENVILLE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Palmetto Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| JET HOMELOANS, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Reliance Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Carolina National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CPM Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pickens Savings and Loan Association, FA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank Of Clarendon | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Anderson Brothers Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 57.1% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Palmetto Citizens Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 138 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Oconee County
20 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Oconee Federal Savings and Loan Association | 4 | $386.1 million |
| TowneBank | 4 | $229.3 million |
| Blue Ridge Bank | 4 | $153.5 million |
| First-Citizens Bank & Trust Company | 2 | $150.7 million |
| Wells Fargo Bank, National Association | 1 | $276.8 million |
| Truist Bank | 1 | $165.4 million |
| SouthState Bank, National Association | 1 | $118.7 million |
| Bank of America, National Association | 1 | $110.4 million |
| TD Bank, National Association | 1 | $84.3 million |
| Woodforest National Bank | 1 | $4.6 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Dogwood State Bank, 1600 Sandifer Blvd, Seneca
- Dogwood State Bank, 306 E Windsor St, Westminster
- Dogwood State Bank, 3685 Blue Ridge Blvd, Walhalla
- Dogwood State Bank, 449 Highway 123, Seneca
Get told when this changes
When the next year’s lending figures are out for Oconee County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.