Applications / Mortgage Analytics / Lenders / Georgia / Oconee State Bank
Watkinsville, GA · State non-member bank · FDIC · $734 million assets · 278 loans in 2025
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278
loans originated, 2025
368
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oconee State Bank, a Georgia bank, ranks 10 of 316 lenders in Athens-Clarke County, where it has lent since at least 1990, and in 2025 it began lending in Kingsport-Bristol and Raleigh-Cary.
It made 278 loans in 2025, up 9%, about the pace of similar lenders (state non-member banks making between half and twice as many loans), which grew 8%. It made more loans than about two-thirds of them. Its typical loan, $235,000, was larger than theirs, $175,000. Purchases took 57.9% of its lending and other purposes 28.4%.
Its share of Athens-Clarke County was 2.8%, against 2.9% a year earlier; United Wholesale Mortgage led there. In Macon-Bibb County its share rose 0.4 points to 0.9%. In Warner Robins, which it entered in 2021, it reached 0.2%.
It turned down 3.6% of home-purchase applications, against 5.0% at similar lenders, a lower rate than about two-thirds of the 142 with a rate.
Low- and moderate-income (LMI) borrowers took 17.4% of its loans, against 27.9% at similar lenders, lower than nearly nine in ten of them. Its larger loans and focus on purchases may mean it serves buyers with higher incomes. Loans in majority-minority neighborhoods, 11.2%, were above peers' 6.5%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oconee State Bank took 368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.9% · Other 28.4% · Refinance 12.6% · Home improvement 1.1%
Conventional 100.0% · of 278 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 |
|---|---|---|
| Georgia | 270 | 97.1% |
| North Carolina | 3 | 1.1% |
| Tennessee | 3 | 1.1% |
| Alabama | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Athens-Clarke County | 146 |
| Atlanta-Sandy Springs-Roswell | 42 |
| Macon-Bibb County | 35 |
| Warner Robins | 10 |
| Gainesville | 2 |
| Johnson City | 2 |
| Marietta | 2 |
| Raleigh-Cary | 2 |
| Auburn-Opelika | 1 |
| Augusta-Richmond County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OPB6J0NM26JY33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 573036 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318143 | 1990–2017 |
Established 1 February 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Oconee State Bank's data.
Oconee State Bank's data
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Oconee State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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