SOUTHERN TRUST MORTGAGE, LLC closing costs and rates (2024)
In 2024, SOUTHERN TRUST MORTGAGE, LLC originated 1,788 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $9,190. That ranks #246 nationally by origination volume. For total closing costs among lenders with 500+ originations, SOUTHERN TRUST MORTGAGE, LLC ranks #513. That is $2,449 above the national median of $6,741. SOUTHERN TRUST MORTGAGE, LLC is most active in Virginia with 1,219 originations there.
Purchase Originations
1,788
Ranked #246 nationally
Median Total Costs
$9,190
+36.3% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$4,322
Median Lender Credits
$601
Cost Rank (500+ vol.)
#513
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 832 | 6.625% | $6,958 | $4,417 |
| va | 551 | 6.625% | $11,464 | $3,932 |
| fha | 400 | 6.625% | $12,215 | $4,718 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,219 | 6.625% | $9,110 | #19 |
| North Carolina | 364 | 6.625% | $9,159 | #60 |
| Maryland | 139 | 6.625% | $9,881 | #86 |
| South Carolina | 43 | 6.625% | $8,748 | — |
| Florida | 15 | 6.625% | $11,047 | — |
| Tennessee | 3 | 5.625% | $10,707 | — |
| District of Columbia | 2 | 6.812% | $15,969 | — |
| Pennsylvania | 2 | 6.688% | $8,349 | — |
| Georgia | 1 | 6.125% | $10,715 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,702 | 6.625% | — | 21 | −$3,488 | |
| 2 | $6,776 | 6.750% | — | 36 | −$2,414 | |
| 3 | $7,156 | 6.875% | — | 50 | −$2,034 | |
| 4 | $8,262 | 6.625% | — | 29 | −$928 | |
| 5 | $8,564 | 6.625% | — | 142 | −$626 | |
| 6 | $9,159 | 6.625% | — | 21 | −$31 | |
| 7 | $9,264 | 6.625% | — | 231 | +$74 | |
| 8 | $9,267 | 6.625% | — | 70 | +$77 | |
| 9 | $9,313 | 6.625% | — | 43 | +$123 | |
| 10 | $9,641 | 6.625% | — | 60 | +$451 | |
| 11 | $9,905 | 6.625% | — | 111 | +$715 | |
| 12 | $10,044 | 6.750% | — | 26 | +$854 | |
| 13 | $10,107 | 6.625% | — | 87 | +$917 | |
| 14 | $10,173 | 6.625% | — | 116 | +$983 | |
| 15 | $10,263 | 6.625% | — | 28 | +$1,073 | |
| 16 | $10,476 | 6.625% | — | 26 | +$1,286 | |
| 17 | $10,480 | 6.500% | — | 190 | +$1,290 | |
| 18 | $11,464 | 6.625% | — | 29 | +$2,274 | |
| 19 | $11,671 | 6.625% | — | 34 | +$2,481 | |
| 20 | $12,628 | 6.625% | — | 21 | +$3,438 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.