Lender profile · HMDA 2023–2025
Southern Trust Mortgage, LLC mortgage approval rates & lending data
Southern Trust Mortgage, LLC decided 4,539 mortgage applications and funded 4,320 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| District of Columbia | 88% | $645K | 8 | 7 |
| Tennessee | 100% | $325K | 8 | 8 |
| Pennsylvania | 100% | $245K | 6 | 6 |
| Georgia | 100% | $455K | 3 | 3 |
| Delaware | 100% | $435K | 2 | 2 |
| New Jersey | 100% | $225K | 2 | 2 |
| West Virginia | 100% | $255K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.