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Oconee County, Georgia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,616 mortgage applications in Oconee County, Georgia, for 2024, and originated 1,032 loans worth $348m.
That is 68.8 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 18.1%, below the state rate of 26.9%. The median rate spread on originated loans was 0.3 percentage points and 19.6% of originations were 1.5 points or more above the average prime offer rate.
19 lenders reached 25 applications in the county; the most active by originations were Synovus Bank (86), Oconee State Bank (74) and Rocket Mortgage (54).
Originations were up 18% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Synovus Bank | 121 | 86 | $32m | 17.0% | — |
| 2 | Oconee State Bank | 90 | 74 | $17m | 6.2% | — |
| 3 | Rocket Mortgage | 67 | 54 | $15m | 15.4% | — |
| 4 | DHI Mortgage Company, LTD. | 49 | 43 | $19m | 0.0% | — |
| 5 | Regions Bank | 74 | 42 | $18m | 13.6% | — |
| 6 | Robins Financial Credit Union | 53 | 34 | $3.9m | 25.0% | — |
| 7 | United Wholesale Mortgage | 44 | 32 | $14m | 10.5% | — |
| 8 | Guaranteed Rate, Inc. | 56 | 31 | $11m | 5.7% | — |
| 9 | First American Bank | 33 | 30 | $12m | 0.0% | — |
| 10 | BankSouth Mortgage Company LLC | 43 | 29 | $13m | 0.0% | — |
| 11 | Ameris Bank | 39 | 28 | $18m | 9.7% | — |
| 12 | Truist Bank | 51 | 23 | $3.4m | 51.1% | — |
| 13 | Georgia United Credit Union | 31 | 23 | $3.2m | 20.7% | — |
| 14 | Fairway Independent Mort Corp | 28 | 22 | $9.9m | — | — |
| 15 | Pennymac Loan Services LLC | 27 | 19 | $5.2m | — | — |
| 16 | Bank of America NA | 42 | 17 | $2.7m | 46.9% | — |
| 17 | Navy Federal Credit Union | 28 | 15 | $1.3m | — | — |
| 18 | Discover Bank | 45 | 14 | $1.2m | 50.0% | — |
| 19 | Amerisave Mortgage Company | 27 | 8 | $1.1m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 19. Denial rate is denials over decided applications in this county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 18.1% | 26.9% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.6% | 17.5% | 15.6% |
| Average originated loan | $337k | $313k | $329k |
| Originations per 1,000 households | 68.8 | 55.9 | 48.0 |
| Home purchase share of originations | 46.4% | 57.0% | 57.0% |
| FHA-insured share | 7.1% | 18.3% | 13.4% |
| VA-guaranteed share | 3.2% | 11.6% | 7.9% |
Rate spread distribution
Share of 853 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Georgia). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 46% (479)Home improvement 11% (113)Refinancing 13% (129)Cash-out refinancing 12% (123)Other purpose 18% (188)
By type
Conventional 90% (924)FHA 7% (73)VA 3% (33)USDA 0% (2)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Oconee County, GA?
By 2024 originations: Synovus Bank (86), Oconee State Bank (74), Rocket Mortgage (54), DHI Mortgage Company, LTD. (43), Regions Bank (42). 19 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Oconee County?
18.1% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Oconee County in 2024?
1,032 loans totalling $348m, from 1,616 applications; 68.8 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 13219; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.