# SOUTHERN TRUST MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/southern-trust-mortgage


> **📋 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


SOUTHERN TRUST MORTGAGE, LLC is a independent mortgage company, headquartered in MIDLOTHIAN, VA, serving borrowers across 10 states, with 1,988 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300FOXIQQV5UZD367
- **Headquarters:** MIDLOTHIAN, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** DC, FL, GA, MD, NC, PA, SC, TN, VA, WV
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.332%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,050
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,988
- **Dollar Volume:** $705 million
- **Applications Received:** 2,649
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $354,834
- **Average Borrower Income:** $136,366
- **Average Property Value:** $429,296

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 1,018 | +0.317% | $3,977 | Strong 😀 |
| FHA | 78/100 | 396 | +0.800% | $4,268 | Strong 😀 |
| VA | 81/100 | 547 | -0.078% | $4,082 | Exceptional 🤩 |
| Jumbo | 66/100 | 22 | -0.118% | $3,173 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 978 loans, Score: 75/100 (Strong)
- Refinance: 40 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 387 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 543 loans, Score: 82/100 (Exceptional)

**Jumbo:**
- Purchase: 21 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 1,934 | $687M | +0.343% | Strong 😀 |
| Refinance | 48/100 | 54 | $18M | +0.092% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 1,292 | 1.20% | 93/100 |
| NC | 446 | 0.30% | 74/100 |
| MD | 151 | 0.21% | 67/100 |
| SC | 71 | 0.09% | 59/100 |
| FL | 17 | 0.01% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Virginia Beach | VA-NC | 974 | 97/100 |
| Richmond, VA | VA | 340 | 88/100 |
| Non |  | 204 | 59/100 |
| Fayetteville, NC | NC | 144 | 83/100 |
| Baltimore | MD | 70 | 61/100 |
| Myrtle Beach | SC | 52 | 63/100 |
| Washington, DC | DC-MD | 46 | 60/100 |
| Raleigh | NC | 33 | 54/100 |
| Lexington Park, MD | MD | 24 | 53/100 |
| Arlington | VA-WV | 10 | 38/100 |

## Where This Lender Ranks

SOUTHERN TRUST MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Virginia Beach for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Virginia Beach for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Fayetteville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Virginia Beach for Jumbo Loans
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Richmond, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#20** in Fayetteville, NC for Conventional Loans
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SOUTHERN TRUST MORTGAGE, LLC offer?

SOUTHERN TRUST MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SOUTHERN TRUST MORTGAGE, LLC offer mortgages?

SOUTHERN TRUST MORTGAGE, LLC offers mortgages in 10 states: DC, FL, GA, MD, NC, PA, SC, TN, VA, WV.

### How competitive are SOUTHERN TRUST MORTGAGE, LLC's mortgage rates?

SOUTHERN TRUST MORTGAGE, LLC has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.332% above market average.

### What type of lender is SOUTHERN TRUST MORTGAGE, LLC?

SOUTHERN TRUST MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in MIDLOTHIAN, VA.

### What is SOUTHERN TRUST MORTGAGE, LLC's loan approval success rate?

SOUTHERN TRUST MORTGAGE, LLC has a pull-through score of 79/100 (Strong). 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/southern-trust-mortgage

### How to Cite

> "SOUTHERN TRUST MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southern-trust-mortgage

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