Southern Trust Mortgage LLC Mortgage Lending & HMDA Data, 2013
In 2013, Southern Trust Mortgage LLC of Virginia Beach, VA reported 3,658 mortgage applications totaling $874.3 million, down 13% from 2012. The average application was for $238,998, and applicants reported an average income of $96,160. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (864), Washington-Arlington-Alexandria, DC-VA-MD-WV (753) and Richmond, VA (671) (applications in parentheses).
| Mortgage Company & Address | Southern Trust Mortgage LLC 4433 Corporation Lane, Suite 300 Virginia Beach, VA 23462 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,658 |
| Total Mortgage Loan Application Amount | $874,256,000 |
| Average Mortgage Loan Application Amount | $238,998 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $96,160 |
| Highest Applicant Income | $6,250,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southern Trust Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cumberland, North Carolina | 242 | $ 40,243,000 | $ 166,293 | $ 73,000 |
| Virginia Beach, Virginia | 237 | $ 54,290,000 | $ 229,071 | $ 74,000 |
| Loudoun, Virginia | 226 | $ 83,253,000 | $ 368,376 | $ 147,000 |
| Chesterfield, Virginia | 203 | $ 41,928,000 | $ 206,541 | $ 80,000 |
| Fairfax, Virginia | 201 | $ 72,220,000 | $ 359,303 | $ 133,000 |
| Henrico, Virginia | 155 | $ 27,692,000 | $ 178,658 | $ 85,000 |
| Hanover, Virginia | 142 | $ 31,161,000 | $ 219,443 | $ 86,000 |
| Chesapeake, Virginia | 139 | $ 30,538,000 | $ 219,697 | $ 75,000 |
| Baltimore, Maryland | 126 | $ 33,431,000 | $ 265,325 | $ 118,000 |
| Anne Arundel, Maryland | 104 | $ 33,773,000 | $ 324,740 | $ 122,000 |
| Norfolk, Virginia | 100 | $ 20,014,000 | $ 200,140 | $ 67,000 |
| Prince George's, Maryland | 93 | $ 35,619,000 | $ 383,000 | $ 123,000 |
| Suffolk, Virginia | 92 | $ 17,995,000 | $ 195,597 | $ 74,000 |
| Prince William, Virginia | 76 | $ 21,688,000 | $ 285,368 | $ 101,000 |
| Isle of Wight, Virginia | 75 | $ 17,098,000 | $ 227,973 | $ 82,000 |
| Harnett, North Carolina | 65 | $ 13,352,000 | $ 205,415 | $ 71,000 |
| Howard, Maryland | 63 | $ 21,824,000 | $ 346,412 | $ 136,000 |
| Fauquier, Virginia | 61 | $ 20,241,000 | $ 331,819 | $ 151,000 |
| Hoke, North Carolina | 59 | $ 11,565,000 | $ 196,016 | $ 71,000 |
| Richmond City, Virginia | 57 | $ 13,361,000 | $ 234,403 | $ 95,000 |
| James City, Virginia | 55 | $ 13,021,000 | $ 236,745 | $ 116,000 |
| Southampton, Virginia | 43 | $ 6,439,000 | $ 149,744 | $ 67,000 |
| Baltimore City, Maryland | 39 | $ 7,189,000 | $ 184,333 | $ 100,000 |
| Portsmouth, Virginia | 38 | $ 5,834,000 | $ 153,526 | $ 62,000 |
| Montgomery, Maryland | 36 | $ 11,735,000 | $ 325,972 | $ 132,000 |
| Lynchburg, Virginia | 31 | $ 3,425,000 | $ 110,483 | $ 45,000 |
| Hampton, Virginia | 30 | $ 4,816,000 | $ 160,533 | $ 59,000 |
| Newport News, Virginia | 30 | $ 4,442,000 | $ 148,066 | $ 61,000 |
| Carroll, Maryland | 26 | $ 7,297,000 | $ 280,653 | $ 100,000 |
| Wake, North Carolina | 26 | $ 6,038,000 | $ 232,230 | $ 125,000 |
| King William, Virginia | 26 | $ 3,659,000 | $ 140,730 | $ 58,000 |
| York, Virginia | 26 | $ 7,267,000 | $ 279,500 | $ 131,000 |
| Campbell, Virginia | 25 | $ 3,161,000 | $ 126,440 | $ 44,000 |
| Northumberland, Virginia | 24 | $ 5,452,000 | $ 227,166 | $ 119,000 |
| District of Columbia, District Of Columbia | 23 | $ 8,508,000 | $ 369,913 | $ 131,000 |
| Bedford, Virginia | 20 | $ 4,423,000 | $ 221,150 | $ 77,000 |
| Charleston, South Carolina | 19 | $ 5,490,000 | $ 288,947 | $ 103,000 |
| Essex, Virginia | 18 | $ 2,373,000 | $ 131,833 | $ 79,000 |
| Gloucester, Virginia | 18 | $ 3,180,000 | $ 176,666 | $ 75,000 |
| Middlesex, Virginia | 18 | $ 3,473,000 | $ 192,944 | $ 102,000 |
| Frederick, Maryland | 17 | $ 5,934,000 | $ 349,058 | $ 450,000 |
| Anderson, South Carolina | 16 | $ 2,486,000 | $ 155,375 | $ 50,000 |
| New Kent, Virginia | 16 | $ 3,401,000 | $ 212,562 | $ 81,000 |
| Mecklenburg, North Carolina | 14 | $ 2,296,000 | $ 164,000 | $ 64,000 |
| Harford, Maryland | 13 | $ 3,319,000 | $ 255,307 | $ 101,000 |
| Berkeley, South Carolina | 13 | $ 2,045,000 | $ 157,307 | $ 72,000 |
| Arlington, Virginia | 13 | $ 3,525,000 | $ 271,153 | $ 120,000 |
| Surry, Virginia | 13 | $ 2,156,000 | $ 165,846 | $ 66,000 |
| Craven, North Carolina | 12 | $ 1,750,000 | $ 145,833 | $ 59,000 |
| Hertford, North Carolina | 12 | $ 1,184,000 | $ 98,666 | $ 74,000 |
| Alexandria, Virginia | 12 | $ 5,126,000 | $ 427,166 | $ 101,000 |
| Clarke, Virginia | 12 | $ 2,826,000 | $ 235,500 | $ 78,000 |
| Amherst, Virginia | 11 | $ 1,474,000 | $ 134,000 | $ 46,000 |
| Stafford, Virginia | 11 | $ 2,996,000 | $ 272,363 | $ 87,000 |
| Sussex, Virginia | 11 | $ 1,507,000 | $ 137,000 | $ 66,000 |
| Sussex, Delaware | 10 | $ 2,125,000 | $ 212,500 | $ 88,000 |
| Moore, North Carolina | 10 | $ 2,457,000 | $ 245,700 | $ 99,000 |
| Franklin City, Virginia | 10 | $ 1,474,000 | $ 147,400 | $ 80,000 |
| Powhatan, Virginia | 10 | $ 2,284,000 | $ 228,400 | $ 82,000 |
| Northampton, North Carolina | 9 | $ 752,000 | $ 83,555 | $ 43,000 |
| Onslow, North Carolina | 9 | $ 1,523,000 | $ 169,222 | $ 70,000 |
| Lancaster, Virginia | 9 | $ 1,672,000 | $ 185,777 | $ 67,000 |
| Dorchester, South Carolina | 8 | $ 1,245,000 | $ 155,625 | $ 66,000 |
| Frederick, Virginia | 8 | $ 1,566,000 | $ 195,750 | $ 74,000 |
| Charles, Maryland | 7 | $ 1,598,000 | $ 228,285 | $ 86,000 |
| Dare, North Carolina | 7 | $ 1,902,000 | $ 271,714 | $ 123,000 |
| York, Pennsylvania | 7 | $ 1,651,000 | $ 235,857 | $ 70,000 |
| Greenwood, South Carolina | 7 | $ 1,384,000 | $ 197,714 | $ 54,000 |
| Colonial Heights, Virginia | 7 | $ 974,000 | $ 139,142 | $ 54,000 |
| Hopewell, Virginia | 7 | $ 596,000 | $ 85,142 | $ 37,000 |
| Prince George, Virginia | 7 | $ 1,639,000 | $ 234,142 | $ 93,000 |
| Carteret, North Carolina | 6 | $ 1,130,000 | $ 188,333 | $ 140,000 |
| Caroline, Virginia | 6 | $ 779,000 | $ 129,833 | $ 73,000 |
| Culpeper, Virginia | 6 | $ 1,400,000 | $ 233,333 | $ 116,000 |
| Pittsylvania, Virginia | 6 | $ 970,000 | $ 161,666 | $ 65,000 |
| Queen Anne's, Maryland | 5 | $ 1,147,000 | $ 229,400 | $ 95,000 |
| Sampson, North Carolina | 5 | $ 628,000 | $ 125,600 | $ 57,000 |
| Dinwiddie, Virginia | 5 | $ 710,000 | $ 142,000 | $ 50,000 |
| Goochland, Virginia | 5 | $ 1,138,000 | $ 227,600 | $ 126,000 |
| Poquoson, Virginia | 5 | $ 1,275,000 | $ 255,000 | $ 89,000 |
| Roanoke, Virginia | 5 | $ 705,000 | $ 141,000 | $ 45,000 |
| Calvert, Maryland | 4 | $ 1,186,000 | $ 296,500 | $ 97,000 |
| Worcester, Maryland | 4 | $ 659,000 | $ 164,750 | $ 350,000 |
| Durham, North Carolina | 4 | $ 545,000 | $ 136,250 | $ 65,000 |
| Johnston, North Carolina | 4 | $ 860,000 | $ 215,000 | $ 102,000 |
| Lee, North Carolina | 4 | $ 670,000 | $ 167,500 | $ 56,000 |
| Oconee, South Carolina | 4 | $ 689,000 | $ 172,250 | $ 46,000 |
| Albemarle, Virginia | 4 | $ 1,753,000 | $ 438,250 | $ 187,000 |
| Appomattox, Virginia | 4 | $ 586,000 | $ 146,500 | $ 44,000 |
| Fairfax City, Virginia | 4 | $ 1,382,000 | $ 345,500 | $ 118,000 |
| Mecklenburg, Virginia | 4 | $ 739,000 | $ 184,750 | $ 203,000 |
| Montgomery, Virginia | 4 | $ 761,000 | $ 190,250 | $ 80,000 |
| Orange, Virginia | 4 | $ 1,773,000 | $ 443,250 | $ 118,000 |
| Petersburg, Virginia | 4 | $ 551,000 | $ 137,750 | $ 115,000 |
| Warren, Virginia | 4 | $ 873,000 | $ 218,250 | $ 94,000 |
| St. Mary's, Maryland | 3 | $ 965,000 | $ 321,666 | $ 122,000 |
| Cabarrus, North Carolina | 3 | $ 404,000 | $ 134,666 | $ 86,000 |
| Gates, North Carolina | 3 | $ 674,000 | $ 224,666 | $ 48,000 |
| Iredell, North Carolina | 3 | $ 459,000 | $ 153,000 | $ 46,000 |
| Nash, North Carolina | 3 | $ 288,000 | $ 96,000 | $ 83,000 |
| Union, North Carolina | 3 | $ 525,000 | $ 175,000 | $ 101,000 |
| Allegheny, Pennsylvania | 3 | $ 216,000 | $ 72,000 | $ 93,000 |
| Amelia, Virginia | 3 | $ 466,000 | $ 155,333 | $ 69,000 |
| Botetourt, Virginia | 3 | $ 514,000 | $ 171,333 | $ 68,000 |
| Charlottesville, Virginia | 3 | $ 836,000 | $ 278,666 | $ 118,000 |
| Louisa, Virginia | 3 | $ 632,000 | $ 210,666 | $ 155,000 |
| Mathews, Virginia | 3 | $ 530,000 | $ 176,666 | $ 112,000 |
| Rappahannock, Virginia | 3 | $ 1,091,000 | $ 363,666 | $ 165,000 |
| Richmond, Virginia | 3 | $ 483,000 | $ 161,000 | $ 130,000 |
| Caroline, Maryland | 2 | $ 341,000 | $ 170,500 | $ 115,000 |
| Washington, Maryland | 2 | $ 270,000 | $ 135,000 | $ 151,000 |
| Wicomico, Maryland | 2 | $ 279,000 | $ 139,500 | $ 79,000 |
| Catawba, North Carolina | 2 | $ 204,000 | $ 102,000 | $ 50,000 |
| Cleveland, North Carolina | 2 | $ 214,000 | $ 107,000 | $ 56,000 |
| Currituck, North Carolina | 2 | $ 533,000 | $ 266,500 | $ 182,000 |
| Franklin, North Carolina | 2 | $ 191,000 | $ 95,500 | $ 96,000 |
| Gaston, North Carolina | 2 | $ 283,000 | $ 141,500 | $ 92,000 |
| Guilford, North Carolina | 2 | $ 215,000 | $ 107,500 | $ 46,000 |
| New Hanover, North Carolina | 2 | $ 596,000 | $ 298,000 | $ 112,000 |
| Chester, Pennsylvania | 2 | $ 660,000 | $ 330,000 | $ 170,000 |
| Luzerne, Pennsylvania | 2 | $ 357,000 | $ 178,500 | $ 65,000 |
| Schuylkill, Pennsylvania | 2 | $ 338,000 | $ 169,000 | $ 140,000 |
| Pickens, South Carolina | 2 | $ 309,000 | $ 154,500 | $ 84,000 |
| Accomack, Virginia | 2 | $ 385,000 | $ 192,500 | $ 187,000 |
| Augusta, Virginia | 2 | $ 613,000 | $ 306,500 | $ 146,000 |
| Cumberland, Virginia | 2 | $ 295,000 | $ 147,500 | $ 35,000 |
| King and Queen, Virginia | 2 | $ 225,000 | $ 112,500 | $ 68,000 |
| Manassas, Virginia | 2 | $ 643,000 | $ 321,500 | $ 128,000 |
| Salem, Virginia | 2 | $ 239,000 | $ 119,500 | $ 63,000 |
| Shenandoah, Virginia | 2 | $ 315,000 | $ 157,500 | $ 100,000 |
| Spotsylvania, Virginia | 2 | $ 707,000 | $ 353,500 | $ 112,000 |
| Westmoreland, Virginia | 2 | $ 508,000 | $ 254,000 | $ 25,000 |
| Winchester, Virginia | 2 | $ 455,000 | $ 227,500 | $ 128,000 |
| Gwinnett, Georgia | 1 | $ 400,000 | $ 400,000 | $ 246,000 |
| Cecil, Maryland | 1 | $ 150,000 | $ 150,000 | $ 24,000 |
| Dorchester, Maryland | 1 | $ 417,000 | $ 417,000 | $ 213,000 |
| Garrett, Maryland | 1 | $ 248,000 | $ 248,000 | $ 229,000 |
| Talbot, Maryland | 1 | $ 284,000 | $ 284,000 | $ 239,000 |
| Alamance, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 53,000 |
| Brunswick, North Carolina | 1 | $ 214,000 | $ 214,000 | $ 158,000 |
| Buncombe, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 39,000 |
| Camden, North Carolina | 1 | $ 214,000 | $ 214,000 | $ 45,000 |
| Chatham, North Carolina | 1 | $ 213,000 | $ 213,000 | $ 49,000 |
| Cherokee, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 18,000 |
| Chowan, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Columbus, North Carolina | 1 | $ 238,000 | $ 238,000 | $ 137,000 |
| Duplin, North Carolina | 1 | $ 61,000 | $ 61,000 | $ 16,000 |
| Forsyth, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Granville, North Carolina | 1 | $ 191,000 | $ 191,000 | $ 80,000 |
| Halifax, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 42,000 |
| Mitchell, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Rockingham, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Rowan, North Carolina | 1 | $ 202,000 | $ 202,000 | $ 63,000 |
| Stanly, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 96,000 |
| Surry, North Carolina | 1 | $ 254,000 | $ 254,000 | $ 111,000 |
| Beaver, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 84,000 |
| Blair, Pennsylvania | 1 | $ 239,000 | $ 239,000 | $ 82,000 |
| Delaware, Pennsylvania | 1 | $ 393,000 | $ 393,000 | $ 273,000 |
| Lehigh, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 140,000 |
| Philadelphia, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Union, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 57,000 |
| Greenville, South Carolina | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
| Horry, South Carolina | 1 | $ 244,000 | $ 244,000 | $ 36,000 |
| Jasper, South Carolina | 1 | $ 71,000 | $ 71,000 | $ 42,000 |
| Lancaster, South Carolina | 1 | $ 178,000 | $ 178,000 | $ 72,000 |
| Saluda, South Carolina | 1 | $ 177,000 | $ 177,000 | $ 165,000 |
| Bedford City, Virginia | 1 | $ 131,000 | $ 131,000 | $ 26,000 |
| Charlotte, Virginia | 1 | $ 158,000 | $ 158,000 | $ 38,000 |
| Danville, Virginia | 1 | $ 182,000 | $ 182,000 | $ 118,000 |
| Falls Church, Virginia | 1 | $ 323,000 | $ 323,000 | $ 157,000 |
| Greensville, Virginia | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
| Manassas Park, Virginia | 1 | $ 275,000 | $ 275,000 | $ 131,000 |
| Roanoke City, Virginia | 1 | $ 163,000 | $ 163,000 | $ 85,000 |
| Staunton, Virginia | 1 | $ 113,000 | $ 113,000 | $ 47,000 |
| Tazewell, Virginia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Williamsburg, Virginia | 1 | $ 900,000 | $ 900,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Southern Trust Mortgage LLC in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,380 | $541,365,000 | $227,000 | $2,500,000 | $91,000 | $6,250,000 |
| Refinancing | 1,254 | $326,996,000 | $260,000 | $1,232,000 | $105,000 | $677,000 |
| Home Improvement | 24 | $5,895,000 | $245,000 | $593,000 | $146,000 | $732,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,498 | $603,989,000 | $241,000 | $1,800,000 | $98,000 | $944,000 |
| Not Provided | 430 | $95,073,000 | $221,000 | $2,500,000 | $101,000 | $6,250,000 |
| Black or African American | 417 | $94,680,000 | $227,000 | $850,000 | $82,000 | $690,000 |
| Asian | 195 | $53,232,000 | $272,000 | $1,499,000 | $99,000 | $344,000 |
| Hispanic | 104 | $23,510,000 | $226,000 | $850,000 | $74,000 | $262,000 |
| American Indian or Alaskan Native | 9 | $2,642,000 | $293,000 | $658,000 | $86,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,130,000 | $226,000 | $328,000 | $85,000 | $128,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,119 | $527,217,000 | $248,000 | $2,500,000 | $115,000 | $6,250,000 |
| FHA-insured (Federal Housing Administration) | 747 | $157,640,000 | $211,000 | $750,000 | $62,000 | $367,000 |
| VA-guaranteed (Veterans Administration) | 708 | $175,540,000 | $247,000 | $1,000,000 | $80,000 | $714,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $13,859,000 | $164,000 | $328,000 | $49,000 | $101,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,795 | $657,436,000 | $235,000 | $1,660,000 | $93,000 | $944,000 |
| Application Withdrawn By Applicant | 352 | $85,430,000 | $242,000 | $1,200,000 | $98,000 | $677,000 |
| File Closed For Incompleteness | 253 | $70,100,000 | $277,000 | $2,500,000 | $139,000 | $6,250,000 |
| Application Denied By Financial Institution | 174 | $39,247,000 | $225,000 | $1,499,000 | $83,000 | $304,000 |
| Application Approved But Not Accepted | 82 | $21,705,000 | $264,000 | $995,000 | $107,000 | $613,000 |
| Loan Purchased By The Institution | 2 | $338,000 | $169,000 | $235,000 | $129,000 | $220,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 47 | $11,832,000 | $251,000 | $1,499,000 | $67,000 | $200,000 |
| Collateral | 39 | $9,418,000 | $241,000 | $900,000 | $91,000 | $304,000 |
| Other | 37 | $8,227,000 | $222,000 | $606,000 | $94,000 | $288,000 |
| Credit History | 16 | $3,393,000 | $212,000 | $487,000 | $85,000 | $185,000 |
| Unverifiable Information | 12 | $2,487,000 | $207,000 | $674,000 | $118,000 | $283,000 |
| Employment History | 7 | $1,398,000 | $199,000 | $625,000 | $79,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,290,000 | $258,000 | $628,000 | $75,000 | $167,000 |
| Credit Application Incomplete | 1 | $78,000 | $78,000 | $78,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Trust Mortgage LLC's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Southern Trust Mortgage LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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