Southern Trust Mortgage
We analyzed every closed loan from Southern Trust Mortgage — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,050)
Explore another lender or local market
Report Card
Southern Trust Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+33.2 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,018 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
FHA
396 loans · 0.80% above market
Strong
Top 40% of lenders
4/5
VA
547 loans · 0.08% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
22 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,934 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
54 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,018 | 51.2% | +0.317%Above | $3,977Fees | ||||
FHA Loans | 396 | 19.9% | +0.800%Above | $4,268Fees | ||||
VA Loans | 547 | 27.5% | -0.078%Below | $4,082Fees | ||||
Jumbo Loans | — | 22 | 1.1% | -0.118%Below | $3,173Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,018
Mix51.2%
Spread
+0.317%Above
Fees
$3,977Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume396
Mix19.9%
Spread
+0.800%Above
Fees
$4,268Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume547
Mix27.5%
Spread
-0.078%Below
Fees
$4,082Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix1.1%
Spread
-0.118%Below
Fees
$3,173Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,934 | 97.3% | +0.343%Above | $4,050Fees | ||||
Refinance | 54 | 2.7% | +0.092%Above | $4,062Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,934
Mix97.3%
Spread
+0.343%Above
Fees
$4,050Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume54
Mix2.7%
Spread
+0.092%Above
Fees
$4,062Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,988
Applications
2,649
Volume
$705 million
Pricing & Closing
Avg Rate Spread
+0.332%
vs. market APOR
Avg Net Fees
$4,050
Origination − Credits
Pullthrough Rate
75.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,834
Avg Borrower Income
$136,366
Avg Property Value
$429,296
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 2020–100100–200200–500500+None
Northeast1
PA
South9
DCFLGAMDNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.