Southern Trust Mortgage
We analyzed every closed loan from Southern Trust Mortgage — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 9 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,050)
Explore another lender or local market
Report Card
Southern Trust Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+33.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,018 | 51.2% | +0.317%Above | $3,977Fees | ||||
FHA Loans | 396 | 19.9% | +0.800%Above | $4,268Fees | ||||
VA Loans | 547 | 27.5% | -0.078%Below | $4,082Fees | ||||
Jumbo Loans | — | 22 | 1.1% | -0.118%Below | $3,173Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,018
Mix51.2%
Spread
+0.317%Above
Fees
$3,977Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume396
Mix19.9%
Spread
+0.800%Above
Fees
$4,268Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume547
Mix27.5%
Spread
-0.078%Below
Fees
$4,082Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix1.1%
Spread
-0.118%Below
Fees
$3,173Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,934 | 97.3% | +0.343%Above | $4,050Fees | ||||
Refinance | 54 | 2.7% | +0.092%Above | $4,062Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,934
Mix97.3%
Spread
+0.343%Above
Fees
$4,050Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume54
Mix2.7%
Spread
+0.092%Above
Fees
$4,062Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,988
Applications
2,649
Volume
$705 million
Pricing & Closing
Avg Rate Spread
+0.332%
vs. market APOR
Avg Net Fees
$4,050
Origination − Credits
Pullthrough Rate
75.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,834
Avg Borrower Income
$136,366
Avg Property Value
$429,296
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Northeast1
PA
South9
DCFLGAMDNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Volume 974Mix 48.99% of portfolio
97/100
Exceptional
Volume 340Mix 17.10% of portfolio
88/100
Exceptional
Volume 144Mix 7.24% of portfolio
83/100
Exceptional
Volume 52Mix 2.62% of portfolio
63/100
Strong
Volume 70Mix 3.52% of portfolio
61/100
Strong
Volume 46Mix 2.31% of portfolio
60/100
Strong
Volume 33Mix 1.66% of portfolio
54/100
Sound
Volume 24Mix 1.21% of portfolio
53/100
Sound
Volume 10Mix 0.50% of portfolio
38/100
AcceptableTop States by Place Specialization Score
1
VirginiaState
Volume 1,292Mix 64.99% of portfolio
93/100
Exceptional2
North CarolinaState
Volume 446Mix 22.43% of portfolio
74/100
Strong3
MarylandState
Volume 151Mix 7.60% of portfolio
67/100
Strong4
South CarolinaState
Volume 71Mix 3.57% of portfolio
59/100
Sound5
FloridaState
Volume 17Mix 0.86% of portfolio
36/100
AcceptableHow 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.