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SOUTHEAST MORTGAGE OF GEORGIA, INC.
Independent Mortgage Company|DULUTH, GA|Multi-Region
Loans Originated
1,300
Applications
1,941
Volume
$442 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.554%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,490
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.0%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
SOUTHEAST MORTGAGE OF GEORGIA, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$340,631
Average Borrower Income
$139,484
Average Property Value
$411,969
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% | $4,332 |
FHA Loans | Sound | Strong | Mediocre | Strong | 545 | 41.9% | +0.690% | $4,864 |
VA Loans | Sound | Strong | Acceptable | Strong | 142 | 10.9% | -0.192% | $3,515 |
USDA Loans | Strong | Strong | N/A | N/A | 14 | 1.1% | +0.195% | $3,642 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,206 | 92.8% | +0.561% | $4,475 |
Refinance | Acceptable | Sound | Mediocre | Sound | 94 | 7.2% | +0.467% | $4,654 |
Geographic Coverage
Metro Areas
8
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLGAMSNCSCTN
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 738Mix: 56.77%
Place Specialization
Exceptional
2
Marietta, GA, GAMSA
Volume: 150Mix: 11.54%
Place Specialization
Strong
3
Pensacola, FLMSA
Volume: 48Mix: 3.69%
Place Specialization
Strong
4
Macon, GAMSA
Volume: 25Mix: 1.92%
Place Specialization
Strong
5
Gainesville, GA, GAMSA
Volume: 23Mix: 1.77%
Place Specialization
Sound
6
Athens, GAMSA
Volume: 17Mix: 1.31%
Place Specialization
Sound
7
Wilmington, NC, NCMSA
Volume: 17Mix: 1.31%
Place Specialization
Sound
8
Columbus, GA, GA-ALMSA
Volume: 11Mix: 0.85%
Place Specialization
Sound
Top States by Place Specialization Score
1
GAState
Volume: 1,129Mix: 86.85%
Place Specialization
Exceptional
2
ALState
Volume: 39Mix: 3.00%
Place Specialization
Sound
3
FLState
Volume: 77Mix: 5.92%
Place Specialization
Sound
4
NCState
Volume: 43Mix: 3.31%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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