Oconee County
South Carolina · FIPS 45073
According to CFPB HMDA 2024 application volume among U.S. counties, Oconee County ranks #688 of 3,210, and #18 of 46 in South Carolina.
Mortgage lending activity in Oconee County, South Carolina based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Oconee County, South Carolina saw 3,212 HMDA-reported mortgage applications in 2024. Lenders originated 1,583 of those loans and denied 588, producing a denial rate of 18.3% and an approval (origination) rate of 49.3%. The average loan amount was $282,927 at an average note rate of 6.90%, with applicants self-reporting average annual income of $37K. 243 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Oconee County
In Oconee County, lead originator SouthState Bank, N.A. funded only 7.2% of 1,583 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Oconee County's 3,212 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oconee County's $282,927 average loan (deduped against volume peers).
Lenders active in Oconee County
SouthState Bank, N.A. funded 114 of the 1,583 loans originated in Oconee County, 7.2% of the county. 243 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | SouthState Bank, N.A. | 114 | 7.2% |
| 2 | Rocket Mortgage | 113 | 7.1% |
| 3 | SC State Credit Union | 83 | 5.2% |
| 4 | United Wholesale Mortgage | 58 | 3.7% |
| 5 | First Ciitizens Bank and Trust | 55 | 3.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Oconee County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Oconee County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.