What loan types does Southeast Mortgage of Georgia offer?

Southeast Mortgage of Georgia offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Southeast Mortgage of Georgia offer mortgages?

Southeast Mortgage of Georgia offers mortgages in 7 states: AL, FL, GA, MS, NC, SC, TN.

How competitive are Southeast Mortgage of Georgia's mortgage rates?

Southeast Mortgage of Georgia has an overall pricing score of 13.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Southeast Mortgage of Georgia?

Southeast Mortgage of Georgia is a Independent Mortgage Company headquartered in DULUTH, GA.

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Southeast Mortgage of Georgia

Independent Mortgage Company•Duluth, GAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Southeast Mortgage of Georgia — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 8 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA and USDA loans

Things to Think About

Rates typically 55 basis points above market average
Higher than average fees ($4,490)

Explore another lender or local market

Report Card

Southeast Mortgage of Georgia performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+55.4 bps above market avg

1/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

594 loans · 0.57% above market

Sound

Top 60% of lenders

3/5

FHA

545 loans · 0.69% above market

Strong

Top 40% of lenders

4/5

142 loans · 0.19% below market

Strong

Top 40% of lenders

4/5

USDA

14 loans · 0.20% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

1,206 loans · 0.56% above market

Strong

Top 40% of lenders

4/5

Refinance

94 loans · 0.47% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 9 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	594	45.7%	+0.567%Above	$4,332Fees
FHA Loans	Sound	Strong	Mediocre	Strong	545	41.9%	+0.690%Above	$4,864Fees
VA Loans	Sound	Strong	Acceptable	Strong	142	10.9%	-0.192%Below	$3,515Fees
USDA Loans	Strong	Strong	—	—	14	1.1%	+0.195%Above	$3,642Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume594

Mix45.7%

Spread

+0.567%Above

Fees

$4,332Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume545

Mix41.9%

Spread

+0.690%Above

Fees

$4,864Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume142

Mix10.9%

Spread

-0.192%Below

Fees

$3,515Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume14

Mix1.1%

Spread

+0.195%Above

Fees

$3,642Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Sound	1,206	92.8%	+0.561%Above	$4,475Fees
Refinance	Acceptable	Sound	Mediocre	Sound	94	7.2%	+0.467%Above	$4,654Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,206

Mix92.8%

Spread

+0.561%Above

Fees

$4,475Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume94

Mix7.2%

Spread

+0.467%Above

Fees

$4,654Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,300

Applications

1,941

Volume

$442 million

Pricing & Closing

Avg Rate Spread

+0.554%

vs. market APOR

Avg Net Fees

$4,490

Origination − Credits

Pullthrough Rate

67.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$340,631

Avg Borrower Income

$139,484

Avg Property Value

$411,969

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 5050–100100+None

South7

ALFLGAMSNCSCTN

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 738Mix 56.77% of portfolio

90/100

Exceptional

Marietta, GAMetro

Volume 150Mix 11.54% of portfolio

78/100

Strong

Pensacola, FLMetro

Volume 48Mix 3.69% of portfolio

64/100

Strong

Macon, GAMetro

Volume 25Mix 1.92% of portfolio

60/100

Strong

Gainesville, GAMetro

Volume 23Mix 1.77% of portfolio

60/100

Sound

Athens, GAMetro

Volume 17Mix 1.31% of portfolio

53/100

Sound

Wilmington, NCMetro

Volume 17Mix 1.31% of portfolio

49/100

Sound

Columbus, GA, GA-ALMetro

Volume 11Mix 0.85% of portfolio

44/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 1,129Mix 86.85% of portfolio

89/100

Exceptional

AlabamaState

Volume 39Mix 3.00% of portfolio

54/100

Sound

FloridaState

Volume 77Mix 5.92% of portfolio

53/100

Sound

North CarolinaState

Volume 43Mix 3.31% of portfolio

50/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.