CFPB · Single-product concentration
Southern Trust Mortgage LLC
17 CFPB complaints · 82.4% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
Southern Trust Mortgage LLC: 82.4% of 17 CFPB complaints sit in "Mortgage". Timely 88.2% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2012 to 2024
CFPB relief outcome brief
CCDB company southern-trust-mortgage-llc
0% relief · 88.2% timely · 17 filings · Mortgage
Same-product relief peers
Nearest relief peer: Rushmore Loan Management Services LLC (0% relief)
Southern Trust Mortgage LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Trust Mortgage LLC scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
79 / 100 percentile-benchmarked
88.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
How 17 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southern Trust Mortgage LLC complaint mix by product
- Mortgage 14 82.4% – 0% relief
- Credit reporting 1 5.9% – 0% relief
- Debt collection 1 5.9% – 0% relief
- Credit reporting, 1 5.9% – 0% relief
How Southern Trust Mortgage LLC's 17 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 14 |
| Credit reporting or other personal consumer reports | 1 |
| Debt collection | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Southern Trust Mortgage LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- VA
- 58.8% of this company's filings
Southern Trust Mortgage LLC rising annual filings
Annual filing volume from the CFPB public database
- 2024
- 2
- +100% vs 2012
Top States
| State | Complaints |
|---|---|
| VA | 10 |
| MD | 3 |
| SC | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 7 |
| Closing on a mortgage | 4 |
| Improper use of your report | 2 |
| False statements or representation | 1 |
| Other | 1 |
| Loan servicing, payments, escrow account | 1 |
| Application, originator, mortgage broker | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2013 | 1 | 100% |
| 2014 | 1 | 0% |
| 2015 | 1 | 0% |
| 2017 | 1 | 100% |
| 2018 | 3 | 100% |
| 2019 | 2 | 100% |
| 2020 | 2 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2024 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Southern Trust Mortgage LLC filings cluster in one product
Southern Trust Mortgage LLC's 17 logged complaints stay concentrated: only 4 states show a filing. Only 29.4% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2012 through 2024-09-20.
Southern Trust Mortgage LLC answers 88.2% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Applying for a mortgage or refinancing an existing mortgage."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Southern Trust Mortgage LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Trust Mortgage LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 17.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Southern Trust Mortgage LLC (88.2% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration