# SouthEast Bank

> **Canonical URL:** https://saferate.com/lenders/southeast-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SouthEast Bank is a bank, headquartered in Farragut, TN, serving borrowers across 3 states, with 84 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930089R5VSN6GVCK47
- **Headquarters:** Farragut, TN
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 94.4%
- **Brokered/Wholesale:** 5.6%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.381%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,024
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 84
- **Dollar Volume:** $27 million
- **Applications Received:** 142
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,024
- **Average Borrower Income:** $173,726
- **Average Property Value:** $501,310

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 78 | +1.371% | $1,712 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 69 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 75 | $25M | +1.476% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 82 | 0.09% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chattanooga, TN | TN-GA | 27 | 64/100 |
| Knoxville, TN | TN | 27 | 58/100 |
| Non |  | 18 | 35/100 |

## Where This Lender Ranks

SouthEast Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Chattanooga, TN Banks
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does SouthEast Bank offer?

SouthEast Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SouthEast Bank offer mortgages?

SouthEast Bank offers mortgages in 3 states: FL, TN, TX.

### How competitive are SouthEast Bank's mortgage rates?

SouthEast Bank has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.381% above market average.

### What type of lender is SouthEast Bank?

SouthEast Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Farragut, TN.

### What is SouthEast Bank's loan approval success rate?

SouthEast Bank has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/southeast-bank

### How to Cite

> "SouthEast Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southeast-bank

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