Southerntrust Mortgage NMLS #2921
At a glance
- HeadquartersVirginia Beach, VA
- Size2,098 home loans closed in 2025
- Loan typesConventional, VA and FHA
- Licensed in10 states
- Formed in1997
2025 figures are for SOUTHERN TRUST MORTGAGE, LLC's filing.
What it closes
Share of its 2025 home loans: 56% Conventional, 27% VA, 17% FHA and 0% Other types.
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Who is Southerntrust Mortgage?
Southerntrust Mortgage (NMLS #2921) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Southerntrust Mortgage legit?
Here's what public licensing records show. Southerntrust Mortgage holds mortgage lender licenses in 10 states, including District of Columbia, Florida, Georgia, Maryland, New Jersey (NMLS ID #2921, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerSoutherntrust Mortgage
- NMLS #2921
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Southerntrust Mortgage
Overview
Southerntrust Mortgage is a mortgage company. Its primary regulator is the Federal Deposit Insurance Corporation.
Locations
Southerntrust Mortgage has 36 branches in six states: Florida, Maryland, North Carolina, South Carolina, Tennessee, and Virginia.
Company details and licensing
The legal entity is Southern Trust Mortgage, LLC, a limited liability company formed in Virginia on November 12, 1997. The company is headquartered at 295 Bendix Road, Suite 400, Virginia Beach, Virginia 23452. Supported trade names include Southern Trust Mortgage, Virginia First Mortgage, and Veterans First Mortgage. Its NMLS company ID is 2921. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #2921 on NMLS Consumer Access
Sources
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asSOUTHERN TRUST MORTGAGE, LLC
- 2025 home loan decisionsOf 2,204 applications decided by SOUTHERN TRUST MORTGAGE, LLC in 2025, 2,098 were originated, 19 were approved but not accepted by the borrower, and 87 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 96.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 638 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.155 percentage points above the average prime offer rate (reported on 2,023 originations, 75 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$7,947.01 — originated closed-end household loans, 2025, 2,098 loans. FFIEC HMDA data browser.
- Median origination charges$3,205.22 — originated closed-end household loans, 2025, 2,098 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,179 Conventional, 355 FHA, 561 VA, 3 USDA — of 2,098 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for SOUTHERN TRUST MORTGAGE, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Southerntrust Mortgage legit?
Here's what public licensing records show. Southerntrust Mortgage holds mortgage lender licenses in 10 states, including District of Columbia, Florida, Georgia, Maryland, New Jersey (NMLS ID #2921, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Southerntrust Mortgage's NMLS number?
Southerntrust Mortgage's NMLS number is 2921. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Southerntrust Mortgage's NMLS ID?
Yes. We checked Southerntrust Mortgage's company name and NMLS ID against the NMLS record on October 10, 2026. They've been in our lender network since September 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Southerntrust Mortgage?
This page has Southerntrust Mortgage's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.