Southern Bank and Trust Company: 2025 mortgage rates, costs & approvals
How Southern Bank and Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Southern Bank and Trust Company · LEI 5493000XJFWT2H46HI07
In 2025, Southern Bank and Trust Company originated 466 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 758th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 17 basis points above the national median. Median conventional loan costs were $6,830, 23% higher than the national median ($5,570).
It denied 4.5% of completed home-purchase applications (all lenders: 8.5%).
How Southern Bank and Trust Company priced home-purchase loans
| Purchase loans, 2025 | Southern Bank and Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.30 pts | +0.13 pts |
| Total loan costs · conventional | $6,830 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $4,380 | $1,860 |
| Borrowers paying discount points | 6.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.12% | 0.87% |
| Borrowers receiving lender credits | 24.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Southern Bank and Trust Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Southern Bank and Trust Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 440 | 508 | 4.6% | 6.500% | $6,830 |
| Virginia | 26 | 28 | 4.2% | — | $6,350 |
| South Carolina | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Southern Bank and Trust Company's page for that state.
Counties where Southern Bank and Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bertie County, NC | 2 | 10 | 12.5% |
| Perquimans County, NC | 1 | 20 | 10.2% |
| Hyde County, NC | 2 | 2 | 10.0% |
| Beaufort County, NC | 2 | 41 | 9.5% |
| Chowan County, NC | 3 | 15 | 8.6% |
| Hertford County, NC | 2 | 8 | 8.5% |
| Washington County, NC | 3 | 5 | 7.9% |
| Martin County, NC | 4 | 9 | 5.8% |
| Greene County, NC | 5 | 6 | 5.7% |
| Northampton County, NC | 3 | 5 | 5.6% |
| Dare County, NC | 5 | 28 | 5.3% |
| Gates County, NC | 3 | 5 | 4.8% |
| Tyrrell County, NC | 5 | 1 | 4.5% |
| Edgecombe County, NC | 8 | 9 | 2.7% |
| Pitt County, NC | 11 | 58 | 2.6% |
Check Southern Bank and Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493000XJFWT2H46HI07.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Southern Bank and Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology