# SOUTHEASTERN CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/southeastern-credit-union


> **📋 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


SOUTHEASTERN CREDIT UNION is a credit union, headquartered in Valdosta, GA, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003T62KDXQ6J4W58
- **Headquarters:** Valdosta, GA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** GA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.8%
- **Brokered/Wholesale:** 2.2%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $7 million
- **Applications Received:** 45
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,645
- **Average Borrower Income:** $158,290
- **Average Property Value:** $351,452

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 31 | +1.625% | $929 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 20 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 13/100 | 11 | $2M | +2.076% | Mediocre 😐 |
| Refinance | 49/100 | 20 | $5M | +1.534% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 31 | 0.02% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Valdosta, GA | GA | 21 | 68/100 |

## Where This Lender Ranks

SOUTHEASTERN CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Valdosta, GA
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders)
- 🏆 **#15** in Valdosta, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SOUTHEASTERN CREDIT UNION offer?

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

### Where does SOUTHEASTERN CREDIT UNION offer mortgages?

SOUTHEASTERN CREDIT UNION offers mortgages in 1 states: GA.

### What type of lender is SOUTHEASTERN CREDIT UNION?

SOUTHEASTERN CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Valdosta, GA.

### What is SOUTHEASTERN CREDIT UNION's loan approval success rate?

SOUTHEASTERN CREDIT UNION has a pull-through score of 38/100 (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/southeastern-credit-union

### How to Cite

> "SOUTHEASTERN CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southeastern-credit-union

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