Southern Trust Mortgage, LLC Mortgage Lending & HMDA Data, 2025

In 2025, Southern Trust Mortgage, LLC of Virginia Beach, VA reported 2,842 mortgage applications totaling $994.1 million, down 5% from 2024. The average application was for $349,778, and applicants reported an average income of $145,469. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (1,481), Richmond, VA (374) and Fayetteville, NC (149) (applications in parentheses).

Mortgage Company & Address Southern Trust Mortgage, LLC
295 Bendix Road Suite 400
Virginia Beach, VA 23452
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  
Total Number of Mortgage Applications 2,842
Total Mortgage Loan Application Amount $994,070,000
Average Mortgage Loan Application Amount $349,778
Highest Mortgage Loan Application Amount $3,145,000
Average Applicant Income $145,469
Highest Applicant Income $2,169,000

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records Southern Trust Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Southern Trust Mortgage, LLC by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Virginia Beach, Virginia 454 $ 174,620,000 $ 384,625 $ 157,000
Chesapeake, Virginia 230 $ 87,990,000 $ 382,565 $ 137,000
Norfolk, Virginia 212 $ 59,630,000 $ 281,273 $ 106,000
Chesterfield, Virginia 144 $ 51,650,000 $ 358,680 $ 138,000
Suffolk, Virginia 144 $ 46,540,000 $ 323,194 $ 119,000
Horry, South Carolina 141 $ 41,205,000 $ 292,234 $ 172,000
Portsmouth, Virginia 124 $ 26,990,000 $ 217,661 $ 91,000
Cumberland, North Carolina 119 $ 30,175,000 $ 253,571 $ 106,000
Dare, North Carolina 109 $ 58,275,000 $ 534,633 $ 277,000
Hampton, Virginia 82 $ 18,800,000 $ 229,268 $ 95,000
Newport News, Virginia 73 $ 16,265,000 $ 222,808 $ 91,000
Currituck, North Carolina 70 $ 34,870,000 $ 498,142 $ 232,000
Henrico, Virginia 64 $ 19,300,000 $ 301,562 $ 126,000
Prince George's, Maryland 45 $ 26,455,000 $ 587,888 $ 232,000
Anne Arundel, Maryland 42 $ 20,010,000 $ 476,428 $ 191,000
Harnett, North Carolina 39 $ 14,115,000 $ 361,923 $ 143,000
Richmond City, Virginia 36 $ 14,660,000 $ 407,222 $ 237,000
Pasquotank, North Carolina 32 $ 6,890,000 $ 215,312 $ 82,000
Hoke, North Carolina 30 $ 8,630,000 $ 287,666 $ 93,000
Hanover, Virginia 27 $ 11,175,000 $ 413,888 $ 206,000
Wake, North Carolina 25 $ 9,545,000 $ 381,800 $ 176,000
Camden, North Carolina 24 $ 8,980,000 $ 374,166 $ 137,000
Bladen, North Carolina 18 $ 4,080,000 $ 226,666 $ 81,000
Isle of Wight, Virginia 17 $ 6,905,000 $ 406,176 $ 130,000
Calvert, Maryland 16 $ 7,220,000 $ 451,250 $ 181,000
Dinwiddie, Virginia 16 $ 3,890,000 $ 243,125 $ 81,000
Howard, Maryland 15 $ 7,855,000 $ 523,666 $ 222,000
Hopewell, Virginia 14 $ 2,360,000 $ 168,571 $ 65,000
Powhatan, Virginia 14 $ 7,530,000 $ 537,857 $ 206,000
Prince George, Virginia 14 $ 3,800,000 $ 271,428 $ 138,000
Baltimore, Maryland 13 $ 6,125,000 $ 471,153 $ 184,000
Southampton, Virginia 13 $ 3,165,000 $ 243,461 $ 88,000
York, Virginia 12 $ 4,340,000 $ 361,666 $ 181,000
St. Mary's, Maryland 11 $ 3,965,000 $ 360,454 $ 104,000
Robeson, North Carolina 11 $ 2,975,000 $ 270,454 $ 71,000
Charleston, South Carolina 11 $ 7,725,000 $ 702,272 $ 229,000
James City, Virginia 11 $ 3,505,000 $ 318,636 $ 158,000
Cumberland, Virginia 10 $ 1,860,000 $ 186,000 $ 82,000
King William, Virginia 10 $ 2,170,000 $ 217,000 $ 100,000
Baltimore City, Maryland 9 $ 2,755,000 $ 306,111 $ 153,000
Franklin City, Virginia 9 $ 2,145,000 $ 238,333 $ 120,000
Petersburg, Virginia 9 $ 1,615,000 $ 179,444 $ 111,000
Moore, North Carolina 8 $ 3,130,000 $ 391,250 $ 128,000
Northampton, Virginia 8 $ 4,090,000 $ 511,250 $ 144,000
Brunswick, North Carolina 7 $ 2,455,000 $ 350,714 $ 116,000
Chowan, North Carolina 7 $ 1,665,000 $ 237,857 $ 76,000
Gates, North Carolina 7 $ 2,045,000 $ 292,142 $ 112,000
New Hanover, North Carolina 7 $ 3,205,000 $ 457,857 $ 215,000
Perquimans, North Carolina 7 $ 1,875,000 $ 267,857 $ 105,000
Amelia, Virginia 7 $ 2,575,000 $ 367,857 $ 113,000
Colonial Heights, Virginia 7 $ 1,665,000 $ 237,857 $ 90,000
Durham, North Carolina 6 $ 2,910,000 $ 485,000 $ 195,000
Georgetown, South Carolina 6 $ 2,650,000 $ 441,666 $ 240,000
Gloucester, Virginia 6 $ 2,080,000 $ 346,666 $ 108,000
Poquoson, Virginia 6 $ 2,490,000 $ 415,000 $ 171,000
Surry, Virginia 6 $ 1,140,000 $ 190,000 $ 98,000
Carroll, Maryland 5 $ 1,915,000 $ 383,000 $ 203,000
Charles, Maryland 5 $ 1,985,000 $ 397,000 $ 91,000
Chatham, North Carolina 5 $ 2,235,000 $ 447,000 $ 203,000
Johnston, North Carolina 5 $ 1,715,000 $ 343,000 $ 109,000
Lee, North Carolina 5 $ 1,145,000 $ 229,000 $ 133,000
Lexington, South Carolina 5 $ 1,455,000 $ 291,000 $ 141,000
Goochland, Virginia 5 $ 2,505,000 $ 501,000 $ 208,000
Clay, Florida 4 $ 1,590,000 $ 397,500 $ 149,000
Pinellas, Florida 4 $ 2,420,000 $ 605,000 $ 299,000
Harford, Maryland 4 $ 1,450,000 $ 362,500 $ 207,000
Franklin, North Carolina 4 $ 1,660,000 $ 415,000 $ 209,000
Mecklenburg, North Carolina 4 $ 2,520,000 $ 630,000 $ 360,000
Louisa, Virginia 4 $ 1,370,000 $ 342,500 $ 111,000
Stafford, Virginia 4 $ 1,570,000 $ 392,500 $ 154,000
District of Columbia, District Of Columbia 3 $ 1,555,000 $ 518,333 $ 218,000
Allegany, Maryland 3 $ 245,000 $ 81,666 $ 48,000
Montgomery, Maryland 3 $ 2,125,000 $ 708,333 $ 251,000
Columbus, North Carolina 3 $ 675,000 $ 225,000 $ 103,000
Scotland, North Carolina 3 $ 685,000 $ 228,333 $ 69,000
Wayne, North Carolina 3 $ 785,000 $ 261,666 $ 84,000
Greensville, Virginia 3 $ 545,000 $ 181,666 $ 111,000
Loudoun, Virginia 3 $ 1,855,000 $ 618,333 $ 213,000
Middlesex, Virginia 3 $ 1,125,000 $ 375,000 $ 224,000
Nelson, Virginia 3 $ 1,145,000 $ 381,666 $ 184,000
New Kent, Virginia 3 $ 1,315,000 $ 438,333 $ 158,000
Nottoway, Virginia 3 $ 355,000 $ 118,333 $ 65,000
Prince Edward, Virginia 3 $ 475,000 $ 158,333 $ 127,000
Spotsylvania, Virginia 3 $ 805,000 $ 268,333 $ 99,000
Williamsburg, Virginia 3 $ 975,000 $ 325,000 $ 286,000
Duval, Florida 2 $ 650,000 $ 325,000 $ 82,000
Lee, Florida 2 $ 630,000 $ 315,000 $ 184,000
Manatee, Florida 2 $ 940,000 $ 470,000 $ 224,000
Martin, Florida 2 $ 790,000 $ 395,000 $ 0
Monroe, Florida 2 $ 1,570,000 $ 785,000 $ 259,000
Palm Beach, Florida 2 $ 1,150,000 $ 575,000 $ 142,000
St. Lucie, Florida 2 $ 720,000 $ 360,000 $ 126,000
Frederick, Maryland 2 $ 2,260,000 $ 1,130,000 $ 289,000
Garrett, Maryland 2 $ 920,000 $ 460,000 $ 164,000
Queen Anne's, Maryland 2 $ 910,000 $ 455,000 $ 233,000
Forsyth, North Carolina 2 $ 600,000 $ 300,000 $ 92,000
Henderson, North Carolina 2 $ 830,000 $ 415,000 $ 127,000
Nash, North Carolina 2 $ 550,000 $ 275,000 $ 89,000
Orange, North Carolina 2 $ 790,000 $ 395,000 $ 176,000
Pitt, North Carolina 2 $ 550,000 $ 275,000 $ 77,000
Sampson, North Carolina 2 $ 540,000 $ 270,000 $ 74,000
York, Pennsylvania 2 $ 300,000 $ 150,000 $ 49,000
Beaufort, South Carolina 2 $ 1,180,000 $ 590,000 $ 231,000
Marion, South Carolina 2 $ 600,000 $ 300,000 $ 131,000
Oconee, South Carolina 2 $ 480,000 $ 240,000 $ 97,000
Richland, South Carolina 2 $ 670,000 $ 335,000 $ 156,000
Shelby, Tennessee 2 $ 530,000 $ 265,000 $ 209,000
Alexandria, Virginia 2 $ 530,000 $ 265,000 $ 118,000
Franklin, Virginia 2 $ 1,260,000 $ 630,000 $ 200,000
Halifax, Virginia 2 $ 700,000 $ 350,000 $ 107,000
King George, Virginia 2 $ 1,190,000 $ 595,000 $ 147,000
Lunenburg, Virginia 2 $ 220,000 $ 110,000 $ 54,000
Northumberland, Virginia 2 $ 980,000 $ 490,000 $ 270,000
Prince William, Virginia 2 $ 1,160,000 $ 580,000 $ 166,000
Sussex, Virginia 2 $ 750,000 $ 375,000 $ 127,000
Waynesboro, Virginia 2 $ 630,000 $ 315,000 $ 60,000
New Castle, Delaware 1 $ 765,000 $ 765,000 $ 190,000
Sussex, Delaware 1 $ 455,000 $ 455,000 $ 135,000
Escambia, Florida 1 $ 445,000 $ 445,000 $ 169,000
Hillsborough, Florida 1 $ 665,000 $ 665,000 $ 580,000
Santa Rosa, Florida 1 $ 295,000 $ 295,000 $ 120,000
Gwinnett, Georgia 1 $ 455,000 $ 455,000 $ 134,000
Rockdale, Georgia 1 $ 185,000 $ 185,000 $ 109,000
Washington, Maryland 1 $ 295,000 $ 295,000 $ 59,000
Wicomico, Maryland 1 $ 205,000 $ 205,000 $ 69,000
Worcester, Maryland 1 $ 305,000 $ 305,000 $ 221,000
Bergen, New Jersey 1 $ 405,000 $ 405,000 $ 175,000
Monmouth, New Jersey 1 $ 305,000 $ 305,000 $ 72,000
Passaic, New Jersey 1 $ 295,000 $ 295,000 $ 76,000
Alamance, North Carolina 1 $ 305,000 $ 305,000 $ 70,000
Avery, North Carolina 1 $ 245,000 $ 245,000 $ 89,000
Beaufort, North Carolina 1 $ 385,000 $ 385,000 $ 207,000
Bertie, North Carolina 1 $ 465,000 $ 465,000 $ 205,000
Buncombe, North Carolina 1 $ 525,000 $ 525,000 $ 286,000
Burke, North Carolina 1 $ 215,000 $ 215,000 $ 64,000
Cabarrus, North Carolina 1 $ 475,000 $ 475,000 $ 302,000
Caldwell, North Carolina 1 $ 1,475,000 $ 1,475,000 $ 316,000
Carteret, North Carolina 1 $ 155,000 $ 155,000 $ 272,000
Guilford, North Carolina 1 $ 505,000 $ 505,000 $ 148,000
Halifax, North Carolina 1 $ 285,000 $ 285,000 $ 284,000
Hertford, North Carolina 1 $ 185,000 $ 185,000 $ 61,000
Lenoir, North Carolina 1 $ 135,000 $ 135,000 $ 54,000
Montgomery, North Carolina 1 $ 605,000 $ 605,000 $ 147,000
Onslow, North Carolina 1 $ 355,000 $ 355,000 $ 0
Pamlico, North Carolina 1 $ 345,000 $ 345,000 $ 109,000
Richmond, North Carolina 1 $ 155,000 $ 155,000 $ 45,000
Warren, North Carolina 1 $ 155,000 $ 155,000 $ 110,000
Washington, North Carolina 1 $ 135,000 $ 135,000 $ 65,000
Watauga, North Carolina 1 $ 215,000 $ 215,000 $ 175,000
Wilson, North Carolina 1 $ 185,000 $ 185,000 $ 102,000
Mercer, Pennsylvania 1 $ 285,000 $ 285,000 $ 214,000
Philadelphia, Pennsylvania 1 $ 175,000 $ 175,000 $ 155,000
Berkeley, South Carolina 1 $ 365,000 $ 365,000 $ 155,000
Florence, South Carolina 1 $ 155,000 $ 155,000 $ 198,000
Greenville, South Carolina 1 $ 455,000 $ 455,000 $ 150,000
Laurens, South Carolina 1 $ 145,000 $ 145,000 $ 104,000
York, South Carolina 1 $ 1,075,000 $ 1,075,000 $ 322,000
Sevier, Tennessee 1 $ 1,305,000 $ 1,305,000 $ 895,000
Accomack, Virginia 1 $ 365,000 $ 365,000 $ 270,000
Albemarle, Virginia 1 $ 305,000 $ 305,000 $ 81,000
Appomattox, Virginia 1 $ 185,000 $ 185,000 $ 64,000
Augusta, Virginia 1 $ 395,000 $ 395,000 $ 92,000
Campbell, Virginia 1 $ 215,000 $ 215,000 $ 193,000
Charles City, Virginia 1 $ 285,000 $ 285,000 $ 102,000
Charlotte, Virginia 1 $ 265,000 $ 265,000 $ 52,000
Fairfax, Virginia 1 $ 525,000 $ 525,000 $ 204,000
Fluvanna, Virginia 1 $ 365,000 $ 365,000 $ 118,000
Greene, Virginia 1 $ 335,000 $ 335,000 $ 138,000
King and Queen, Virginia 1 $ 195,000 $ 195,000 $ 75,000
Martinsville, Virginia 1 $ 275,000 $ 275,000 $ 88,000
Roanoke City, Virginia 1 $ 295,000 $ 295,000 $ 127,000
Russell, Virginia 1 $ 195,000 $ 195,000 $ 168,000
Warren, Virginia 1 $ 445,000 $ 445,000 $ 216,000
Westmoreland, Virginia 1 $ 375,000 $ 375,000 $ 355,000

Mortgage Loan Application Detail Totals for Southern Trust Mortgage, LLC in 2025

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 2,499 $871,835,000 $348,000 $3,145,000 $146,000 $2,169,000
Refinancing 184 $68,320,000 $371,000 $1,365,000 $141,000 $1,006,000
Cash-out Refinancing 128 $45,830,000 $358,000 $1,475,000 $131,000 $445,000
Other Purpose 31 $8,085,000 $260,000 $805,000 $189,000 $1,000,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

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 1,580 $588,400,000 $372,000 $3,145,000 $157,000 $2,169,000
Black or African American 475 $140,355,000 $295,000 $2,005,000 $109,000 $734,000
Not Provided 425 $142,145,000 $334,000 $1,635,000 $149,000 $1,481,000
Hispanic 214 $69,230,000 $323,000 $1,015,000 $123,000 $621,000
Asian 116 $43,550,000 $375,000 $1,425,000 $163,000 $895,000
American Indian or Alaskan Native 26 $8,820,000 $339,000 $975,000 $145,000 $485,000
Native Hawaiian or Other Pacific Islander 6 $1,570,000 $261,000 $345,000 $280,000 $1,188,000
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) 1,604 $540,450,000 $336,000 $2,375,000 $169,000 $2,169,000
VA-guaranteed (Veterans Administration) 720 $294,710,000 $409,000 $3,145,000 $126,000 $1,520,000
FHA-insured (Federal Housing Administration) 514 $157,740,000 $306,000 $1,135,000 $102,000 $463,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $1,170,000 $292,000 $345,000 $95,000 $120,000

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 2,098 $727,220,000 $346,000 $3,145,000 $146,000 $1,520,000
Application Withdrawn By Applicant 638 $239,480,000 $375,000 $2,375,000 $154,000 $2,169,000
Application Denied By Financial Institution 87 $21,105,000 $242,000 $2,005,000 $90,000 $490,000
Application Approved But Not Accepted 19 $6,265,000 $329,000 $825,000 $136,000 $450,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Not applicable 2,755 $972,965,000 $353,000 $3,145,000 $148,000 $2,169,000
Debt-To-Income Ratio 38 $10,970,000 $288,000 $2,005,000 $79,000 $337,000
Other 19 $4,225,000 $222,000 $625,000 $93,000 $287,000
Credit History 10 $2,660,000 $266,000 $465,000 $116,000 $243,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,555,000 $222,000 $485,000 $81,000 $105,000
Collateral 7 $925,000 $132,000 $255,000 $77,000 $218,000
Employment History 3 $325,000 $108,000 $185,000 $45,000 $63,000
Unverifiable Information 3 $445,000 $148,000 $225,000 $229,000 $490,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Trust Mortgage, LLC's 2025 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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