Applications / Mortgage Analytics / Lenders / Tennessee / SouthEast Bank
Farragut, TN · State member bank · FRS · $3.5 billion assets · 388 loans in 2025
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388
loans originated, 2025
494
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SouthEast Bank of Farragut, Tennessee, does much of its lending away from home purchase and refinance: over two-fifths of its loans are for home improvement or other purposes.
Home purchases made up 42.3% of its loans in 2025. Home-improvement loans took 24.5% and other purposes 19.8%, with refinances only 13.4%. All were conventional. Its typical loan, $200,000, was close to the $195,000 of similar banks (state member banks making between half and twice as many loans).
Of its loans, 10.0% were higher-priced (a rate well above the average for similar loans), against 2.4% at its peers. Home-improvement and other-purpose loans are often priced above first mortgages, and with more than two-fifths of its lending in them, they may account for most of the gap. The share fell from 18.1% in 2024.
In Knoxville, its largest market, its share halved from 1.0% to 0.5%, leaving it 49 of 599 lenders. One possible reason is that it made fewer large loans: its jumbo share (loans larger than the conforming limit) fell from 8.2% to 5.7%, which cuts a dollar share. Mortgage Investors Group leads that market. In Cleveland, Tennessee, its share rose from 1.1% to 1.4%, ranking it 18 of 258.
Its loans rose 7% to 388, in line with similar banks (6%) and a little slower than the whole market (10%).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SouthEast Bank took 494 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.3% · Home improvement 24.5% · Other 19.8% · Refinance 13.4%
Conventional 100.0% · of 388 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 |
|---|---|---|
| Tennessee | 378 | 97.4% |
| Georgia | 8 | 2.1% |
| Alabama | 1 | 0.3% |
| Virginia | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 120 |
| Chattanooga | 102 |
| Cleveland | 41 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930089R5VSN6GVCK47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3110197 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357348 | 2008–2017 |
Established 29 April 2002. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: SouthEast Bank's data.
SouthEast Bank's data
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