Mortgage lending in Oconee County, Georgia
Lenders in Oconee County, Georgia reported 1,700 mortgage applications for 2025, according to the CFPB.
1,700 mortgage applications and 1,087 loans originated in 2025; the denial rate was 16.5% of 1,370 applications decided. The median loan was about $345,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Athens-Clarke County, GA MSA.
- 1,700
- Applications
- 1,087
- Loans originated
- 16.5%
- Denial rate
- 226 denied of 1,370 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,700 | 1,087 |
| 2024 | 1,616 | 1,032 |
| 2023 | 1,410 | 875 |
| 2022 | 1,989 | 1,321 |
| 2021 | 3,630 | 2,472 |
| 2020 | 4,245 | 2,935 |
| 2019 | 2,562 | 1,725 |
| 2018 | 2,092 | 1,316 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Synovus Bank | 74 | 112 |
| Oconee State Bank | 62 | 68 |
| United Wholesale Mortgage | 58 | 72 |
| Rocket Mortgage | 52 | 67 |
| Regions Bank | 45 | 77 |
| City National Bank of Florida | 42 | 58 |
| Robins Financial Credit Union | 37 | 51 |
| Lennar Mortgage, LLC | 37 | 43 |
| First American Bank | 34 | 36 |
| Ameris Bank | 31 | 47 |
| Navy Federal Credit Union | 25 | 42 |
| Pennymac Loan Services LLC | 23 | 35 |
| Truist Bank | 22 | 41 |
| DHI Mortgage Company, LTD. | 20 | 30 |
| Bank of America NA | 20 | 41 |
| Georgia United Credit Union | 19 | 34 |
| Pinnacle Bank | 18 | 28 |
| Crosscountry Mortgage, LLC | 15 | 26 |
| Fairway Independent Mort Corp | 12 | 19 |
| The Commercial Bank | 12 | 13 |
| BankSouth Mortgage Company LLC | 12 | 14 |
| Citizens Bank, NA | 12 | 16 |
| United Community Bank | 12 | 19 |
| BankSouth | 11 | 13 |
| Everett Financial, Inc. | 11 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 92 | 15.5% of 71 decided |
| Black or African American | 52 | no rate: base under 50 |
| White | 1,263 | 16.8% of 1,038 decided |
| 2 or more minority races | under 10 | |
| Joint | 18 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 268 | 15.5% of 206 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 52 | no rate: base under 50 |
| Not Hispanic or Latino | 1,372 | 16.0% of 1,122 decided |
| Joint | 28 | no rate: base under 50 |
| Ethnicity Not Available | 248 | 19.1% of 188 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 560 | 21.6% of 445 decided |
| Female | 295 | 20.6% of 228 decided |
| Joint | 689 | 10.8% of 576 decided |
| Sex Not Available | 156 | 17.4% of 121 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 159 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved