Purchase Originations
1,601
Ranked #271 nationally
Median Total Costs
$9,131
+36.7% vs national ($6,680)
↓ $59 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,594
Median Lender Credits
$551
Cost Rank (500+ vol.)
#508
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 721 | 6.625% | $6,478 | $3,615 |
| va | 540 | 6.250% | $10,436 | $2,001 |
| fha | 337 | 6.625% | $12,912 | $4,655 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,045 | 6.500% | $9,811 | #20 |
| North Carolina | 334 | 6.500% | $7,804 | #74 |
| Maryland | 121 | 6.625% | $9,332 | #89 |
| South Carolina | 82 | 6.625% | $6,982 | #131 |
| Florida | 12 | 6.625% | $10,703 | — |
| District of Columbia | 3 | 6.375% | $6,426 | — |
| Georgia | 2 | 5.812% | $11,582 | — |
| Delaware | 1 | 6.500% | $13,542 | — |
| Tennessee | 1 | 6.125% | $16,656 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,108 | 6.562% | — | 22 | −$4,023 | |
| 2 | $6,797 | 6.625% | — | 25 | −$2,334 | |
| 3 | $6,954 | 6.625% | — | 61 | −$2,177 | |
| 4 | $7,150 | 6.625% | — | 18 | −$1,981 | |
| 5 | $8,279 | 6.625% | — | 28 | −$852 | |
| 6 | $8,330 | 6.250% | — | 86 | −$801 | |
| 7 | $8,451 | 6.500% | — | 95 | −$680 | |
| 8 | $8,566 | 6.625% | — | 85 | −$565 | |
| 9 | $8,580 | 6.625% | — | 30 | −$551 | |
| 10 | $9,250 | 6.250% | — | 121 | +$119 | |
| 11 | $9,312 | 6.375% | — | 66 | +$181 | |
| 12 | $9,752 | 6.625% | — | 26 | +$621 | |
| 13 | $9,831 | 6.375% | — | 49 | +$700 | |
| 14 | $9,848 | 6.500% | — | 258 | +$717 | |
| 15 | $10,527 | 6.625% | — | 20 | +$1,396 | |
| 16 | $10,639 | 6.500% | — | 37 | +$1,508 | |
| 17 | $10,644 | 6.250% | — | 21 | +$1,513 | |
| 18 | $11,168 | 6.250% | — | 32 | +$2,037 | |
| 19 | $11,169 | 6.500% | — | 144 | +$2,038 | |
| 20 | $11,180 | 6.312% | — | 16 | +$2,049 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Southern Trust Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $9,131 | $7,127 | +$2,004 (+28.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.