Oconee Federal Savings and Loan Association: 2025 mortgage rates, costs & approvals
How Oconee Federal Savings and Loan Association priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Oconee Federal Savings and Loan Association · LEI 254900HGO0ML9XQH7267
In 2025, Oconee Federal Savings and Loan Association originated 94 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1891st by volume among the 2,017 lenders profiled here.
It denied 13.8% of completed home-purchase applications (all lenders: 8.5%).
How Oconee Federal Savings and Loan Association priced home-purchase loans
| Purchase loans, 2025 | Oconee Federal Savings and Loan Association | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Oconee Federal Savings and Loan Association lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| South Carolina | 76 | 91 | 13.2% | — | — |
| Georgia | 17 | 20 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Oconee Federal Savings and Loan Association's page for that state.
Counties where Oconee Federal Savings and Loan Association is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Oconee County, SC | 5 | 50 | 4.6% |
| Rabun County, GA | 6 | 7 | 3.8% |
| Lee County, SC | 15 | 1 | 1.4% |
| Stephens County, GA | 16 | 5 | 1.3% |
Check Oconee Federal Savings and Loan Association yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900HGO0ML9XQH7267.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Oconee Federal Savings and Loan Association with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology