Bank
Oconee State Bank
Oconee State Bank is a community bank based in Watkinsville, Georgia, providing comprehensive banking services, including personal and business accounts, and various lending products, with a focus on supporting local businesses through commercial and SBA loans.
Key Statistics
As of December 2025, public records show Oconee State Bank has originated approximately $207.2M in loan volume over the past 12 months, with an average loan size of $374k.
Volume (12mo)
$207.2M
Avg Loan Size
$374k
Total Mortgages
4,645
Total Borrowers
458
Lending Entities
Oconee State Bank funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
4,644 mortgages recorded
+4 more not shown
Geography
Oconee State Bank's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 370
Volume (12mo): $183.2M
Total Volume: $1.6B
Mortgages (12mo): 15
Volume (12mo): $8.9M
Total Volume: $14.3M
Mortgages (12mo): 4
Volume (12mo): $2.3M
Total Volume: $11.1M
Top Borrowers
The following individuals have the most recorded mortgage transactions with Oconee State Bank. Click on a borrower to view their full investor profile.
+455 more not shown
FAQ
What type of lender is Oconee State Bank?
Oconee State Bank is classified as an bank based on our research. Banks are FDIC-insured depository institutions offering a range of mortgage products. They have a mix of business (30%) and personal loans in their portfolio.
What entities does Oconee State Bank fund loans under?
Oconee State Bank originates mortgages through 5 different lending entities. The most common include Oconee State Bank. These are the legal entity names that appear on recorded mortgage documents.
Where is Oconee State Bank most active?
Based on recorded mortgages, Oconee State Bank is most active in Georgia, Tennessee, and Florida.
How many loans has Oconee State Bank originated?
Public records show 4,645 mortgages recorded for Oconee State Bank, with $207.2M in volume over the past 12 months.
What is the average loan size for Oconee State Bank?
The average mortgage size for Oconee State Bank is $374k based on all recorded mortgages.
Does Oconee State Bank offer short-term loans?
Oconee State Bank primarily offers long-term financing, with only 18% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.