Oconee State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Oconee State Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Oconee State Bank P.O. Box 205 Watkinsville, GA 30677 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 354 |
| Total Mortgage Loan Application Amount | $43,019,000 |
| Average Mortgage Loan Application Amount | $131,285 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $65,285 |
| Highest Applicant Income | $562,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Oconee State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Oconee State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Oconee State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Oconee State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Oconee State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Oconee State Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oconee County Georgia | 177 | $ 22,785,000 | $ 128,000 | $ 67,000 |
| Clarke County Georgia | 85 | $ 9,586,000 | $ 112,000 | $ 54,000 |
| Oglethorpe County Georgia | 18 | $ 1,937,000 | $ 107,000 | $ 34,000 |
| Madison County Georgia | 15 | $ 1,537,000 | $ 102,000 | $ 51,000 |
| Barrow County Georgia | 11 | $ 1,341,000 | $ 121,000 | $ 54,000 |
| Jackson County Georgia | 6 | $ 374,000 | $ 62,000 | $ 42,000 |
| Gwinnett County Georgia | 5 | $ 755,000 | $ 151,000 | $ 147,000 |
| Walton County Georgia | 4 | $ 531,000 | $ 132,000 | $ 64,000 |
| Franklin County Georgia | 3 | $ 431,000 | $ 143,000 | $ 83,000 |
| Glynn County Georgia | 3 | $ 300,000 | $ 100,000 | $ 168,000 |
| Baldwin County Georgia | 2 | $ 8,000 | $ 4,000 | $ 29,000 |
| Greene County Georgia | 2 | $ 299,000 | $ 149,000 | $ 87,000 |
| Morgan County Georgia | 2 | $ 344,000 | $ 172,000 | $ 87,000 |
| Newton County Georgia | 2 | $ 440,000 | $ 220,000 | $ 107,000 |
| St. Johns County Florida | 1 | $ 166,000 | $ 166,000 | $ 51,000 |
| Bulloch County Georgia | 1 | $ 36,000 | $ 36,000 | $ 58,000 |
| Camden County Georgia | 1 | $ 90,000 | $ 90,000 | $ 228,000 |
| Cherokee County Georgia | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Cobb County Georgia | 1 | $ 259,000 | $ 259,000 | $ 63,000 |
| Elbert County Georgia | 1 | $ 159,000 | $ 159,000 | $ 72,000 |
| Fulton County Georgia | 1 | $ 225,000 | $ 225,000 | $ 47,000 |
| Hart County Georgia | 1 | $ 50,000 | $ 50,000 | $ 170,000 |
| Lee County Georgia | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Lumpkin County Georgia | 1 | $ 146,000 | $ 146,000 | $ 177,000 |
| Putnam County Georgia | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Stephens County Georgia | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Towns County Georgia | 1 | $ 26,000 | $ 26,000 | $ 41,000 |
| Union County Georgia | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Wilkes County Georgia | 1 | $ 158,000 | $ 158,000 | $ 64,000 |
| Anderson County South Carolina | 1 | $ 27,000 | $ 27,000 | $ 132,000 |
| Horry County South Carolina | 1 | $ 322,000 | $ 322,000 | $ 102,000 |
| Oconee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Oconee State Bank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 206 | $24,267,000 | $116,666 | $1,500,000 | $74,333 | $562,000 |
| Home Purchase | 125 | $17,256,000 | $168,000 | $467,000 | $65,333 | $308,000 |
| Home Improvement | 23 | $1,496,000 | $65,000 | $238,000 | $38,000 | $125,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 299 | $35,732,000 | $145,333 | $565,000 | $76,000 | $562,000 |
| Not applicable | 27 | $4,978,000 | $184,000 | $1,500,000 | $5,000 | $169,000 |
| Black or African American | 17 | $1,129,000 | $56,000 | $193,000 | $45,000 | $156,000 |
| Asian | 8 | $962,000 | $120,000 | $210,000 | $87,000 | $215,000 |
| Hispanic | 3 | $218,000 | $72,000 | $110,000 | $28,000 | $34,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 353 | $42,785,000 | $120,750 | $1,500,000 | $60,000 | $562,000 |
| VA-guaranteed (Veterans Administration) | 1 | $234,000 | $234,000 | $234,000 | $70,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 343 | $42,043,000 | $146,333 | $1,500,000 | $74,333 | $562,000 |
| Application Denied By Financial Institution | 10 | $696,000 | $58,500 | $145,000 | $29,000 | $52,000 |
| Application Withdrawn By Applicant | 1 | $280,000 | $280,000 | $280,000 | $52,000 | $52,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 8 | $651,000 | $65,500 | $145,000 | $28,000 | $45,000 |
| Collateral | 1 | $20,000 | $20,000 | $20,000 | $30,000 | $30,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $52,000 | $52,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oconee State Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Oconee State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.