Lender in Virginia · HMDA 2025
Southern Trust Mortgage, LLC mortgages in Virginia
Southern Trust Mortgage, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Southern Trust Mortgage, LLC originated 1,112 owner-occupied single-family loans in Virginia from 1,170 completed applications.
Its median conventional purchase loan costs were $7,280 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
1,112
of 1,170 applications
Denial rate
3.9%
Purchase · VA 6.9%
Rate spread
+0.19 pts
Conv. · VA +0.10 pts
Loan amount
$335,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,082 | 1,034 | 3.9% | 6.625% | +0.19 pts | $7,280 | $335,000 |
| Refinance | 41 | 36 | 12.2% | 6.125% | +0.01 pts | $5,170 | $325,000 |
| Cash-out refinance | 47 | 42 | 8.5% | 6.500% | +0.14 pts | $8,070 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Southern Trust Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin city | 6 | 7 | 3.7% |
| Suffolk city | 7 | 97 | 3.9% |
| Virginia Beach city | 8 | 282 | 4.0% |
| Norfolk city | 8 | 129 | 3.6% |
| Amelia County | 8 | 7 | 3.6% |
| Chesapeake city | 9 | 150 | 3.0% |
| Portsmouth city | 10 | 67 | 3.3% |
| Hampton city | 11 | 50 | 2.0% |
| Powhatan County | 12 | 11 | 2.0% |
| Newport News city | 13 | 39 | 1.6% |
| Hopewell city | 13 | 7 | 1.7% |
| Southampton County | 13 | 6 | 2.5% |
| Dinwiddie County | 14 | 9 | 1.9% |
| Poquoson city | 15 | 5 | 1.7% |
| Surry County | 16 | 2 | 1.9% |
| Cumberland County | 17 | 3 | 1.9% |
| Isle of Wight County | 18 | 11 | 1.2% |
| Colonial Heights city | 19 | 4 | 1.4% |
| Greensville County | 19 | 1 | 1.5% |
| Prince George County | 20 | 6 | 1.2% |
| Chesterfield County | 21 | 95 | 1.4% |
| Charlotte County | 23 | 1 | 1.4% |
| Richmond city | 25 | 23 | 0.9% |
| King William County | 25 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology