Southeast Mortgage of Georgia, Inc.: 2025 mortgage rates, costs & approvals
How Southeast Mortgage of Georgia, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: SOUTHEAST MORTGAGE OF GEORGIA, INC. · LEI 549300SK3VKN3E1SZ562
In 2025, Southeast Mortgage of Georgia, Inc. originated 1,155 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 9 states — 404th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 31 basis points above the national median. Median conventional loan costs were $6,560, 18% higher than the national median ($5,570).
It denied 3.4% of completed home-purchase applications (all lenders: 8.5%).
How Southeast Mortgage of Georgia, Inc. priced home-purchase loans
| Purchase loans, 2025 | Southeast Mortgage of Georgia, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.44 pts | +0.13 pts |
| Total loan costs · conventional | $6,560 | $5,570 |
| Total loan costs · FHA | $12,790 | $11,310 |
| Total loan costs · VA | $5,780 | $6,490 |
| Origination charges (all types) | $4,110 | $1,860 |
| Borrowers paying discount points | 41.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.80% | 0.87% |
| Borrowers receiving lender credits | 14.8% | 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
Why Southeast Mortgage of Georgia, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Southeast Mortgage of Georgia, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 1,019 | 1,053 | 3.4% | 6.875% | $6,710 |
| Florida | 58 | 61 | 5.4% | — | — |
| Alabama | 55 | 57 | 3.6% | — | — |
| North Carolina | 6 | 6 | — | — | — |
| South Carolina | 6 | 6 | — | — | — |
| Mississippi | 4 | 4 | — | — | — |
| Tennessee | 3 | 3 | — | — | — |
| Virginia | 3 | 3 | — | — | — |
| Texas | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Southeast Mortgage of Georgia, Inc.'s page for that state.
Counties where Southeast Mortgage of Georgia, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wilkinson County, GA | 4 | 4 | 6.3% |
| Atkinson County, GA | 10 | 1 | 5.6% |
| Wilkes County, GA | 9 | 3 | 3.6% |
| Union County, GA | 8 | 11 | 2.6% |
| Washington County, GA | 10 | 2 | 2.5% |
| Baldwin County, GA | 12 | 7 | 2.4% |
| Rockdale County, GA | 9 | 37 | 2.2% |
| Jones County, GA | 8 | 7 | 2.2% |
| Towns County, GA | 14 | 4 | 2.1% |
| Chambers County, AL | 15 | 7 | 2.1% |
| Fannin County, GA | 13 | 6 | 1.8% |
| Jasper County, GA | 18 | 6 | 1.8% |
| Gilmer County, GA | 11 | 8 | 1.7% |
| Henry County, GA | 12 | 79 | 1.7% |
| Upson County, GA | 14 | 5 | 1.6% |
Check Southeast Mortgage of Georgia, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300SK3VKN3E1SZ562.
- 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 Southeast Mortgage of Georgia, Inc. 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