Lender in North Carolina · HMDA 2025
Southern Bank and Trust Company mortgages in North Carolina
Southern Bank and Trust Company's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Southern Bank and Trust Company originated 440 owner-occupied single-family loans in North Carolina from 508 completed applications.
Its median conventional purchase loan costs were $6,830 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
440
of 508 applications
Denial rate
4.6%
Purchase · NC 7.6%
Rate spread
+0.32 pts
Conv. · NC +0.04 pts
Loan amount
$375,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 439 | 381 | 4.6% | 6.500% | +0.32 pts | $6,830 | $375,000 |
| Refinance | 42 | 37 | 11.9% | 6.375% | −0.12 pts | $4,110 | $305,000 |
| Cash-out refinance | 27 | 22 | 14.8% | — | +0.09 pts | $4,390 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Southern Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Perquimans County | 1 | 20 | 10.2% |
| Beaufort County | 2 | 41 | 9.5% |
| Bertie County | 2 | 10 | 12.5% |
| Hertford County | 2 | 8 | 8.5% |
| Hyde County | 2 | 2 | 10.0% |
| Chowan County | 3 | 15 | 8.6% |
| Gates County | 3 | 5 | 4.8% |
| Northampton County | 3 | 5 | 5.6% |
| Washington County | 3 | 5 | 7.9% |
| Martin County | 4 | 9 | 5.8% |
| Dare County | 5 | 28 | 5.3% |
| Greene County | 5 | 6 | 5.7% |
| Tyrrell County | 5 | 1 | 4.5% |
| Edgecombe County | 8 | 9 | 2.7% |
| Halifax County | 9 | 5 | 2.1% |
| Warren County | 9 | 3 | 2.2% |
| Nash County | 10 | 34 | 2.5% |
| Pitt County | 11 | 58 | 2.6% |
| Camden County | 11 | 7 | 2.5% |
| Pamlico County | 11 | 4 | 2.4% |
| Sampson County | 15 | 7 | 1.4% |
| Wilson County | 16 | 15 | 1.6% |
| Pasquotank County | 17 | 12 | 1.5% |
| Lenoir County | 17 | 7 | 1.4% |
| Bladen County | 18 | 2 | 1.1% |
| Wayne County | 21 | 16 | 1.0% |
| Carteret County | 22 | 11 | 1.0% |
| Craven County | 24 | 15 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology