Applications / Mortgage Analytics / Lenders / North Carolina / Southern Bank and Trust Company
Mount Olive, NC · State non-member bank · FDIC · $5.2 billion assets · 1,557 loans in 2025
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1,557
loans originated, 2025
1,930
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Bank and Trust Company is a North Carolina bank that grew 18% in 2025, faster than more than two-thirds of similar lenders, and ranks fourth in Greenville and Rocky Mount, where its share rose.
It ranked 4 of 264 lenders in Greenville, NC, where its share rose 2.4 points to 6.0%, and 4 of 248 in Rocky Mount, where it rose 0.2 points to 4.7%; State Employees' Credit Union led both. It ranked 14 of 762 in non-metro North Carolina and has lent in all three since the mid-1990s.
Originations rose 18% to 1,557, against 11% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market.
It made no FHA loans (insured by the Federal Housing Administration), against 2.7% at peers. Other-purpose loans were 27.6% and manufactured homes 3.5%, against 1.1%. Its typical rate, 7.25%, was higher than at more than four in five peers (6.62%); that mix is one possible reason. Its higher-priced share (a rate well above the average for similar loans) was lower, 0.6% against 1.5%.
Majority-minority areas took 24.7% of its loans, higher than more than four in five peers (8.6%), and LMI (low- and moderate-income) areas 15.0%, close to peers' 15.5%. LMI borrowers took 13.5%, among the lowest tenth (27.7%); its absence from FHA lending is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Bank and Trust Company took 1,930 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.5% · Other 27.6% · Refinance 18.8% · Home improvement 10.0%
Conventional 99.4% · VA 0.5% · USDA (RHS or FSA) 0.1% · of 1,557 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 1,358 | 87.2% |
| Virginia | 193 | 12.4% |
| South Carolina | 4 | 0.3% |
| Hawaii | 1 | 0.1% |
| Maryland | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville | 204 |
| Virginia Beach-Chesapeake-Norfolk | 196 |
| Rocky Mount | 153 |
| Wilmington | 103 |
| Raleigh-Cary | 73 |
| Goldsboro | 49 |
| Jacksonville | 25 |
| Richmond | 19 |
| Durham-Chapel Hill | 10 |
| Greensboro-High Point | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000XJFWT2H46HI07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 717924 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315359 | 1994–2017 |
| Respondent ID (the HMDA filer code before 2018) | 9717924 | 2011–2016 |
Established 1 January 1901. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Southern Bank and Trust Company's data.
Southern Bank and Trust Company's data
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Southern Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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