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Southeastern Credit Union

Credit UnionValdosta, GAHQDirectReviews near you on Google

Southeastern Credit Union has 31 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Single State · 1 mkts

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Southeastern Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Bottom 20% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Strong
Volume31
Mix100.0%
Spread
+1.625%Above
Fees
$929Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Mediocre
Product
Mediocre
Pricing
Pull Through
Volume11
Mix35.5%
Spread
+2.076%Above
Fees
$1,799Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume20
Mix64.5%
Spread
+1.534%Above
Fees
$755Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
31
Applications
45
Volume
$6 million
Pricing & Closing
Pullthrough Rate
68.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$225,645
Avg Borrower Income
$158,290
Avg Property Value
$351,452

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
GA

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY-SA 2.5
Valdosta, GAMetro
Volume 21Mix 67.74% of portfolio
68/100
Strong

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 31Mix 100.00% of portfolio
59/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.