Georgia · HMDA 2025
Mortgage lenders in Oconee County, GA
217 lenders reported 2,001 home-loan applications in Oconee County in 2025. 1,087 closed as loans ($426.5M), 226 were denied — a 16.5% denial rate on decided applications, below the Georgia rate of 24.9%. The three most active lenders handled 14% of applications, led by Synovus Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,001
- Loans originated
- 1,087
- Purchase / refinance
- 512 / 300
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oconee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Synovus Bank | 112 | 5.6% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 91 | 4.5% | — |
| 3 | Regions Bank 64 out of 100, Moderate | 77 | 3.8% | 43.1% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 72 | 3.6% | — |
| 5 | Rocket Mortgage, LLC | 68 | 3.4% | — |
| 6 | Oconee State Bank 44 out of 100, Below average | 68 | 3.4% | 6.0% |
| 7 | AMERIHOME MORTGAGE COMPANY, LLC | 67 | 3.3% | — |
| 8 | City National Bank of Florida 64 out of 100, Moderate | 58 | 2.9% | 10.7% |
| 9 | Truist Bank 63 out of 100, Moderate | 56 | 2.8% | 40.8% |
| 10 | ROBINS FINANCIAL | 51 | 2.5% | — |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 48 | 2.4% | 32.5% |
| 12 | Ameris Bank 67 out of 100, Moderate | 47 | 2.3% | 10.5% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 44 | 2.2% | 14.1% |
| 14 | LENNAR MORTGAGE, LLC | 43 | 2.1% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 42 | 2.1% | 32.9% |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 41 | 2.0% | 44.7% |
| 17 | NEWREZ LLC | 38 | 1.9% | — |
| 18 | First American Bank and Trust Company 86 out of 100, Very strong | 36 | 1.8% | 2.5% |
| 19 | GEORGIA UNITED | 34 | 1.7% | — |
| 20 | DHI MORTGAGE COMPANY, LTD. | 30 | 1.5% | — |
| 21 | PINNACLE BANK | 28 | 1.4% | — |
| 22 | SPRING EQ, LLC | 27 | 1.3% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 26 | 1.3% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 25 | 1.2% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 24 | 1.2% | — |
| 26 | Fairway Independent Mortgage Corporation | 20 | 1.0% | — |
| 27 | United Community Bank 67 out of 100, Moderate | 19 | 0.9% | 25.4% |
| 28 | Broker Solutions, Inc. | 18 | 0.9% | — |
| 29 | EVERETT FINANCIAL, INC. | 16 | 0.8% | — |
| 30 | KIND LENDING, LLC | 15 | 0.7% | — |
| 31 | Loandepot.Com, LLC | 14 | 0.7% | — |
| 32 | GUARANTEED RATE, INC. | 14 | 0.7% | — |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 0.7% | 39.5% |
| 34 | FIGURE LENDING LLC | 14 | 0.7% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 14 | 0.7% | — |
| 36 | BankSouth 68 out of 100, Moderate | 14 | 0.7% | 3.3% |
| 37 | Cadence Bank | 14 | 0.7% | — |
| 38 | BANKSOUTH MORTGAGE COMPANY, LLC | 14 | 0.7% | — |
| 39 | ACOPIA, LLC | 13 | 0.6% | — |
| 40 | The Commercial Bank 79 out of 100, Strong | 13 | 0.6% | 3.6% |
Top 40 of 217 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Georgia
- Fulton County 49,328 apps
- Gwinnett County 42,155 apps
- Cobb County 35,482 apps
- DeKalb County 32,023 apps
- Cherokee County 16,444 apps
- Forsyth County 15,824 apps
- Henry County 15,743 apps
- Chatham County 14,732 apps
- Clayton County 11,733 apps
- Paulding County 11,046 apps
- Hall County 9,711 apps
- Houston County 9,273 apps