SOUTHERN TRUST MORTGAGE, LLC
2,098 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,098
- Median rate
- 6.500%
- Median lender fees
- $7,947
- Median loan amount
- $315,000
- Median spread over APOR
- 0.155
- Paid discount points
- 70.7%
- Received lender credits
- 19.2%
- Purchases / refinances
- 93.1% / 6.2%
- Conventional / FHA / VA
- 56.2% / 16.9% / 26.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.
Where SOUTHERN TRUST MORTGAGE, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 1,342 | $8,553 | 6.500% |
| North Carolina | 467 | $6,640 | 6.500% |
| Maryland | 133 | $9,043 | 6.625% |
| South Carolina | 130 | $6,441 | 6.625% |