Oconee State Bank mortgage approval rate & lending review
Oconee State Bank decided 311 mortgage applications and funded 304 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oconee State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oconee State Bank at a glance
Approval is 13.7 points above the 84.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 178 / 181 | 100% | $265K | 178 |
| Investment property purchase | 98% | 63 / 64 | 100% | $185K | 63 |
Oconee State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 98% | $265K | 295 | 289 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oconee State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clarke County, GA | Mortgage lenders | 99% | 90 | 89 |
| Clarke County, GA | Investment property purchase | 98% | 40 | 39 |
| Bibb County, GA | Mortgage lenders | 97% | 38 | 37 |
The county markets where Oconee State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Oconee State Bank
What is Oconee State Bank's mortgage approval rate?
Oconee State Bank approved 97.7% of the 311 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.7 points above the 84.1% national rate for the same mix of loan types.
How often do borrowers take the loan Oconee State Bank offers?
Borrowers accepted 100% of the loans Oconee State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oconee State Bank make?
The typical home purchase mortgage loan Oconee State Bank made was $265K; across all loan types its typical loan ran from $185K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oconee State Bank lend?
Oconee State Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Georgia, Tennessee and Alabama.
Can I apply to Oconee State Bank directly?
Yes. Oconee State Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oconee State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oconee State Bank treats applications, then get a rate quote from the lender.