Applications / Mortgage Analytics / Lenders / South Carolina / Oconee Federal Savings and Loan Association
Seneca, SC · Savings institution · OCC · $664 million assets · 128 loans in 2025
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128
loans originated, 2025
163
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oconee Federal Savings and Loan Association, a lender to home buyers that first reported under HMDA in 2021, made 42% more loans in 2025.
It made 128 loans in 2025, up from 90. That rise was higher than at about nine in ten similar lenders (savings institutions making between half and twice as many loans), whose typical growth was 6%. The whole market grew 10%. Its 2024 merger with Mutual Savings Bank may be part of the reason.
Purchase loans were 68.8% of its lending and refinances 22.7%. It made 247 loans in 2022 and 90 in 2024 before recovering. Years before 2021 are gaps in the record, not years without lending.
Its share in Florence rose 0.2 points to 0.3%, where Rocket Mortgage led. In Greenville-Anderson-Greer it held 0.2% and ranked 100 of 589 lenders. Its best rank came in non-metro South Carolina, 25 of 514.
Low- and moderate-income (LMI) borrowers took 13.3% of its loans, against 24.7% at similar lenders, lower than about nine in ten of them. Loans in LMI areas were 7.9%, against 17.2%. Buyers taking loans of $285,000, its typical size, may tend to earn more, and the 13 counties it lends in may hold few LMI areas.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Oconee Federal Savings and Loan Association took 163 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.8% · Refinance 22.7% · Other 4.7% · Home improvement 3.9%
Conventional 100.0% · of 128 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 108 | 84.4% |
| Georgia | 19 | 14.8% |
| Tennessee | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 28 |
| Florence | 6 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Charleston-North Charleston | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HGO0ML9XQH7267 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 853671 | 2022–2023 |
Established 14 February 1924. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Oconee Federal Savings and Loan Association's data.
Oconee Federal Savings and Loan Association's data
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