Applications / Mortgage Analytics / Lenders / Georgia / Southeastern Bank
Darien, GA · State non-member bank · FDIC · $623 million assets · 217 loans in 2025
Southeastern Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
217
loans originated, 2025
237
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southeastern Bank of Darien, Georgia, makes nearly half its loans in poorer neighborhoods, a larger share than almost any similar bank.
In 2025, 47.6% of its loans were on homes in low- and moderate-income (LMI) neighborhoods, against 17.3% at similar banks (state non-member banks making between half and twice as many loans). Five years earlier the share was 21.1%. Another measure points the same way: 29.5% of its loans were in majority-minority neighborhoods, against 6.3% for its peers.
Refinances made up 52.1% of its loans and purchases 41.9%. Manufactured homes took 15.2%, against 2.7% at its peers, and every loan was conventional. Its typical loan was $155,000, a little under its peers' $175,000.
Brunswick is its largest market, and it has lent there since 1999. It ranks 5 of 271 lenders, with 2.2% of the market. Rocket Mortgage leads. In Savannah its share rose from 0.2% to 0.4%, ranking it 52 of 469.
Its loans rose 2% to 217, slower than similar banks (9%) and the whole market (10%). Its volume has stayed between 158 and 226 loans a year since 2018, so one year's pace says little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southeastern Bank took 237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.1% · Purchase 41.9% · Home improvement 3.2% · Other 2.8%
Conventional 100.0% · of 217 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 | 198 | 91.2% |
| Florida | 19 | 8.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Brunswick-St. Simons | 129 |
| Savannah | 31 |
| Jacksonville | 18 |
| Hinesville | 3 |
| Augusta-Richmond County | 2 |
| Marietta | 2 |
| Athens-Clarke County | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LG7IO23TN5LR98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 210238 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35685 | 1999–2017 |
Established 1 January 1889. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Southeastern Bank's data.
Southeastern Bank's data
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Southeastern 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.
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