Southern Trust Mortgage, LLC mortgage approval rate & lending review
Southern Trust Mortgage, LLC decided 4,539 mortgage applications and funded 4,320 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southern Trust Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to southerntrustmortgage.com.
Southern Trust Mortgage, LLC at a glance
Approval is 9.1 points above the 86.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 3,925 / 4,068 | 99% | $335K | 3,888 |
| Cash-out refinance | 92% | 83 / 90 | 99% | $315K | 82 |
| Refinance | 86% | 87 / 101 | 100% | $305K | 87 |
| Investment property purchase | 94% | 245 / 260 | 100% | $235K | 244 |
Southern Trust Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 96% | $335K | 3,204 | 3,040 |
| North Carolina | 99% | $255K | 639 | 624 |
| Maryland | 98% | $395K | 329 | 316 |
| South Carolina | 94% | $245K | 249 | 232 |
| Florida | 90% | $325K | 88 | 79 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Southern Trust Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Virginia Beach city, VA | Mortgage lenders | 95% | 810 | 763 |
| Chesapeake city, VA | Mortgage lenders | 96% | 533 | 509 |
| Chesterfield County, VA | Mortgage lenders | 97% | 432 | 421 |
| Norfolk city, VA | Mortgage lenders | 96% | 402 | 386 |
| Cumberland County, NC | Mortgage lenders | 100% | 296 | 292 |
| Henrico County, VA | Mortgage lenders | 98% | 211 | 203 |
| Newport News city, VA | Mortgage lenders | 92% | 185 | 168 |
| Hampton city, VA | Mortgage lenders | 94% | 175 | 163 |
| Richmond city, VA | Mortgage lenders | 99% | 123 | 121 |
| Horry County, SC | Mortgage lenders | 96% | 120 | 113 |
| Horry County, SC | Investment property purchase | 92% | 84 | 77 |
| Harnett County, NC | Mortgage lenders | 99% | 78 | 73 |
The county markets where Southern Trust Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Southern Trust Mortgage, LLC
What is Southern Trust Mortgage, LLC's mortgage approval rate?
Southern Trust Mortgage, LLC approved 96.0% of the 4,539 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.1 points above the 86.9% national rate for the same mix of loan types.
How often do borrowers take the loan Southern Trust Mortgage, LLC offers?
Borrowers accepted 99% of the loans Southern Trust Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southern Trust Mortgage, LLC make?
The typical home purchase mortgage loan Southern Trust Mortgage, LLC made was $335K; across all loan types its typical loan ran from $235K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southern Trust Mortgage, LLC lend?
Southern Trust Mortgage, LLC decided applications in 12 of the states Fat Boy Data covers, most of them in Virginia, North Carolina and Maryland.
Can I apply to Southern Trust Mortgage, LLC directly?
Yes. Southern Trust Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is southerntrustmortgage.com.
Does this page show Southern Trust Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Southern Trust Mortgage, LLC treats applications, then get a rate quote from the lender.