Lender in North Carolina · HMDA 2025
Southern Trust Mortgage, LLC mortgages in North Carolina
Southern Trust Mortgage, LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Southern Trust Mortgage, LLC originated 347 owner-occupied single-family loans in North Carolina from 357 completed applications.
Its median conventional purchase loan costs were $5,480 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
347
of 357 applications
Denial rate
0.9%
Purchase · NC 7.6%
Rate spread
+0.26 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 331 | 323 | 0.9% | 6.625% | +0.26 pts | $5,480 | $305,000 |
| Refinance | 16 | 15 | — | — | — | — | — |
| Cash-out refinance | 10 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Southern Trust Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bladen County | 1 | 16 | 8.6% |
| Currituck County | 6 | 27 | 3.6% |
| Dare County | 6 | 25 | 4.7% |
| Camden County | 6 | 16 | 5.8% |
| Gates County | 6 | 4 | 3.9% |
| Pasquotank County | 12 | 19 | 2.3% |
| Cumberland County | 13 | 91 | 1.5% |
| Chowan County | 14 | 3 | 1.7% |
| Robeson County | 15 | 9 | 1.4% |
| Hoke County | 17 | 21 | 1.2% |
| Bertie County | 23 | 1 | 1.3% |
| Perquimans County | 24 | 3 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology