Southeastern Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
66th2.2% deniedProcesswithdrawn + incomplete share, weight 15%
57th4.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 200 | 186 | 3.5% | 3.5% | — | $34M |
| 2024 | 233 | 213 | 3.9% | 3.9% | — | $46M |
| 2025 | 237 | 217 | 2.1% | 2.2% | — | $58M |
What Southeastern Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 40 manufactured homes, 156 investment properties.
Who gets approved at Southeastern Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 20 | 8.7% |
| $50k – $100k | 43 | 38 | 4.9% |
| $100k – $150k | 26 | 22 | 3.9% |
| Over $250k | 32 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 22 | 19 | 4.8% |
| 45–54 | 22 | 21 | 0.0% |
| 55–64 | 46 | 42 | 4.6% |
| 65–74 | 29 | 25 | 3.6% |
Where Southeastern Bank lends
2 states and 23 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Southeastern Bank denied 2.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of investment-property lenders.
In 2025, 41% of its applications were for home purchases, 52% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.