Applications / Mortgage Analytics / Lenders / Georgia / Southeastern Credit Union
Valdosta, GA · Credit union · NCUA · $418 million assets · 117 loans in 2025
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117
loans originated, 2025
127
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southeastern Credit Union is a small Georgia credit union that mostly refinances its members' homes, and its lending has more than halved since 2020.
Refinancing made up 80.3% of its 117 loans in 2025, and home purchases only 17.1%. Every loan was conventional, with none insured or guaranteed by the government. Its typical loan, $115,000, is close to the $105,000 of similar lenders, meaning credit unions making between half and twice as many loans.
Its loans fell 10% in 2025, while similar lenders grew 8% and the whole market 10%. It made 247 loans in 2020 and has made fewer in each year since 2022.
Valdosta is its largest market. It ranks 16 of 238 lenders there, with 1.7% of the dollars lent, up from 1.6%. It has lent in the city since 2004. Ameris Bank leads the market.
Of its loans, 39.3% went to majority-minority neighborhoods, against 9.3% for similar lenders, higher than about four in five of them. Its share of loans to low- and moderate-income (LMI) borrowers, 17.7%, is lower than at most similar lenders. One possible reason is its mix: refinancing serves people who already own homes, a different group from first-time buyers. Its share has risen from 10.2% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credit Union took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 80.3% · Purchase 17.1% · Home improvement 1.7% · Not applicable 0.9%
Conventional 100.0% · of 117 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 | 113 | 96.6% |
| Florida | 3 | 2.6% |
| South Carolina | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Valdosta | 87 |
| Brunswick-St. Simons | 1 |
| Charleston-North Charleston | 1 |
| Gainesville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003T62KDXQ6J4W58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 147688 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58947 | 2004–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568673 | 2016–2017 |
Established 1 January 1953. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Southeastern Credit Union's data.
Southeastern Credit Union's data
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Southeastern Credit Union 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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