# SOUTHEAST MORTGAGE OF GEORGIA, INC.

> **Canonical URL:** https://saferate.com/lenders/southeast-mortgage-of-georgia


> **📋 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 MORTGAGE OF GEORGIA, INC. is a independent mortgage company, headquartered in DULUTH, GA, serving borrowers across 7 states, with 1,300 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300SK3VKN3E1SZ562
- **Headquarters:** DULUTH, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, FL, GA, MS, NC, SC, TN
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 96%
- **Brokered/Wholesale:** 4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.554%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,490
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,300
- **Dollar Volume:** $443 million
- **Applications Received:** 1,941
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $340,631
- **Average Borrower Income:** $139,484
- **Average Property Value:** $411,969

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 594 | +0.567% | $4,332 | Sound ☺️ |
| FHA | 77/100 | 545 | +0.690% | $4,864 | Strong 😀 |
| VA | 73/100 | 142 | -0.192% | $3,515 | Strong 😀 |
| USDA | 71/100 | 14 | +0.195% | $3,642 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 544 loans, Score: 61/100 (Strong)
- Refinance: 50 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 510 loans, Score: 77/100 (Strong)
- Refinance: 35 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 133 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 1,206 | $413M | +0.561% | Strong 😀 |
| Refinance | 53/100 | 94 | $30M | +0.467% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 1,129 | 0.82% | 89/100 |
| FL | 77 | 0.03% | 53/100 |
| NC | 43 | 0.03% | 50/100 |
| AL | 39 | 0.07% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 738 | 90/100 |
| Non |  | 155 | 57/100 |
| Marietta, GA | GA | 150 | 78/100 |
| Pensacola | FL | 48 | 64/100 |
| Macon | GA | 25 | 60/100 |
| Gainesville, GA | GA | 23 | 60/100 |
| Athens | GA | 17 | 53/100 |
| Wilmington, NC | NC | 17 | 49/100 |
| Columbus, GA | GA-AL | 11 | 44/100 |

## Where This Lender Ranks

SOUTHEAST MORTGAGE OF GEORGIA, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Atlanta for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#15** in Atlanta for USDA Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/usda-loans)
- 🏆 **#15** in Athens for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Macon Mortgage Companies
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Athens for FHA Loans
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does SOUTHEAST MORTGAGE OF GEORGIA, INC. offer?

SOUTHEAST MORTGAGE OF GEORGIA, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SOUTHEAST MORTGAGE OF GEORGIA, INC. offer mortgages?

SOUTHEAST MORTGAGE OF GEORGIA, INC. offers mortgages in 7 states: AL, FL, GA, MS, NC, SC, TN.

### How competitive are SOUTHEAST MORTGAGE OF GEORGIA, INC.'s mortgage rates?

SOUTHEAST MORTGAGE OF GEORGIA, INC. has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.554% above market average.

### What type of lender is SOUTHEAST MORTGAGE OF GEORGIA, INC.?

SOUTHEAST MORTGAGE OF GEORGIA, INC. is a non-depository lender that specializes in mortgage origination, headquartered in DULUTH, GA.

### What is SOUTHEAST MORTGAGE OF GEORGIA, INC.'s loan approval success rate?

SOUTHEAST MORTGAGE OF GEORGIA, INC. has a pull-through score of 61/100 (Strong). 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-mortgage-of-georgia

### How to Cite

> "SOUTHEAST MORTGAGE OF GEORGIA, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southeast-mortgage-of-georgia

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