Applications / Mortgage Analytics / Lenders / Georgia / Southeast First National Bank
Summerville, GA · National bank · OCC · $70.4 million assets · 27 loans in 2025
Southeast First National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
27
loans originated, 2025
27
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southeast First National Bank is a very small Georgia lender, with 27 loans in 2025, mostly refinancing, too few for its shares and rates to be read closely against similar lenders.
Originations fell 23% to 27, while the typical similar lender (national banks making between half and twice as many loans) fell 12% and the whole market rose 10%. At this size a few borrowers either way make the difference. It filed no report for 2020 to 2022, when it may have been below the reporting threshold, so those years are gaps in the record, not years without lending.
Refinancing was 63.0% of its loans, home improvement 14.8%, and purchase and other purposes 11.1% each. Every loan was conventional, with no jumbo loans (larger than the conforming limit). Its typical loan was $95,000, against $180,000 for similar lenders, which its refinancing and home-improvement mix may explain.
Of its borrowers, 44.4% were LMI (low- and moderate-income), against 23.6% for peers, and 48.1% of loans were in LMI tracts. None were in majority-minority tracts, against 15.8% for peers, which may reflect the largely non-metro counties it serves. With 27 loans, these shares are too small to read much into.
It first appears in Jacksonville and Huntsville in 2025, though with a share that rounds to 0.0% in each. Its other markets, including Chattanooga, date from 2008.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Southeast First National Bank took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.0% · Home improvement 14.8% · Other 11.1% · Purchase 11.1%
Conventional 100.0% · of 27 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 23 | 85.2% |
| Alabama | 3 | 11.1% |
| Florida | 1 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 1 |
| Huntsville | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006WPD8JIY1AFO12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 563934 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115651 | 2008–2017 |
Established 22 May 1968. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Southeast First National Bank's data.
Southeast First National Bank's data
$215
Southeast First National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Southeast First National Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]