Applications / Mortgage Analytics / Lenders / Georgia / Southeast Mortgage of Georgia
Duluth, GA · Independent non-bank lender · CFPB · 1,426 loans in 2025
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1,426
loans originated, 2025
2,096
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southeast Mortgage of Georgia, a non-bank lender in Duluth, is a home-purchase lender that relies on government-backed loans and lends heavily in majority-minority neighborhoods.
Home purchases made up 88.9% of its loans in 2025. Loans insured by the Federal Housing Administration (FHA) took 41.5%, against 22.6% at similar lenders (independent non-bank lenders making between half and twice as many loans). Five years earlier its FHA share was 22.7%. Another 7.9% were guaranteed by the Department of Veterans Affairs.
Nearly half its loans, 48.2%, were in majority-minority neighborhoods, against 26.9% at its peers, higher than at more than four in five of them. Its share of loans to low- and moderate-income borrowers, 35.4%, was higher than at about three in four similar lenders.
Its share of higher-priced loans (a rate well above the average for similar loans) was 5.2%, against 2.2% at its peers; FHA loans are more often priced that way, and its heavy FHA lending may account for most of the difference. Its typical rate, 6.50%, was slightly lower than its peers' 6.62%. It turned down 1.8% of first-lien refinance applications, lower than nearly nine in ten similar lenders.
It made 1,426 loans, almost exactly as many as in 2024. Its markets run across 9 states and 49 metro areas. In Athens, Georgia, it holds 0.5% and ranks 42 of 316 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage of Georgia took 2,096 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.9% · Refinance 8.6% · Other 2.5%
Conventional 50.0% · FHA 41.5% · VA 7.9% · USDA (RHS or FSA) 0.6% · of 1,426 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 | 1,252 | 87.8% |
| Alabama | 77 | 5.4% |
| Florida | 70 | 4.9% |
| North Carolina | 8 | 0.6% |
| South Carolina | 6 | 0.4% |
| Mississippi | 4 | 0.3% |
| Tennessee | 4 | 0.3% |
| Virginia | 4 | 0.3% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 787 |
| Marietta | 168 |
| Pensacola-Ferry Pass-Brent | 40 |
| Macon-Bibb County | 29 |
| Athens-Clarke County | 26 |
| Auburn-Opelika | 23 |
| Gainesville | 20 |
| Daphne-Fairhope-Foley | 14 |
| Warner Robins | 14 |
| Columbus | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SK3VKN3E1SZ562 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3913884 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7582059073 | |
| Respondent ID (the HMDA filer code before 2018) | 71375600003 | 2004–2010 |
Established 6 April 1998. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Southeast Mortgage of Georgia's data.
Southeast Mortgage of Georgia's data
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Southeast Mortgage of Georgia 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.
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