SOUTHEASTERN CREDIT UNION
SOUTHEASTERN CREDIT UNION received 123 applications in 2025 and made 117 mortgages, in 16 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $115,000. Of 121 decisions, 4 were denials — 3.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493003T62KDXQ6J4W58 |
|---|---|
| Applications received | 123 |
| Mortgages made | 117 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.824 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 20 | 6.900% | $185,000 | 9.1% |
| Refinancing | 63 | 7.500% | $125,000 | 3.1% |
| Cash-out refinancing | 31 | 7.500% | $95,000 | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where SOUTHEASTERN CREDIT UNION lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lowndes County, GA | 81 | 7.500% | 3.6% |
| Berrien County, GA | 5 | Under 10 loans | 0.0% |
| Cook County, GA | 5 | Under 10 loans | 0.0% |
| Colquitt County, GA | 4 | Under 10 loans | 0.0% |
| Lanier County, GA | 4 | Under 10 loans | 0.0% |
| Tift County, GA | 4 | Under 10 loans | 0.0% |
| Brooks County, GA | 2 | Under 10 loans | 0.0% |
| Clinch County, GA | 2 | Under 10 loans | 0.0% |
| Pierce County, GA | 2 | Under 10 loans | 0.0% |
| Ware County, GA | 2 | Under 10 loans | 0.0% |
| Franklin County, FL | 1 | Under 10 loans | 0.0% |
| Gulf County, FL | 1 | Under 10 loans | 0.0% |
| Levy County, FL | 1 | Under 10 loans | 0.0% |
| Ben Hill County, GA | 1 | Under 10 loans | 0.0% |
| Brantley County, GA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
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When SOUTHEASTERN CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.