Great Oaks Bank
Great Oaks Bank received 99 applications in 2025 and made 65 mortgages, in 21 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 79 decisions, 14 were denials — 17.7%.
| Legal Entity Identifier | 254900LW4R4AM7URY378 |
|---|---|
| Applications received | 99 |
| Mortgages made | 65 |
| Denied | 14 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Great Oaks Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 31 | Not published | $145,000 | 13.9% |
| Refinancing | 30 | Not published | $50,000 | 11.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 55.6% |
Where Great Oaks Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dodge County, GA | 33 | Not published | 13.2% |
| Bryan County, GA | 8 | Under 10 loans | 0.0% |
| Liberty County, GA | 5 | Under 10 loans | 0.0% |
| Telfair County, GA | 4 | Under 10 loans | 33.3% |
| Chatham County, GA | 3 | Under 10 loans | 40.0% |
| Bleckley County, GA | 2 | Under 10 loans | 60.0% |
| Glynn County, GA | 2 | Under 10 loans | 0.0% |
| Laurens County, GA | 2 | Under 10 loans | 33.3% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| Pulaski County, GA | 1 | Under 10 loans | 0.0% |
| Wheeler County, GA | 1 | Under 10 loans | 50.0% |
| Bay County, FL | 0 | Under 10 loans | Not published |
| Effingham County, GA | 0 | Under 10 loans | Not published |
| Houston County, GA | 0 | Under 10 loans | Not published |
| Lee County, GA | 0 | Under 10 loans | Not published |
| Long County, GA | 0 | Under 10 loans | Not published |
| Peach County, GA | 0 | Under 10 loans | Not published |
| Charleston County, SC | 0 | Under 10 loans | Not published |
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When Great Oaks Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.