Last Updated: February 15, 2026
Southern Trust Mortgage, LLC (“Southern Trust,” “we,” “our,” or “us”) respects the privacy and security of personal information entrusted to us in connection with our mortgage lending operations. This Privacy Policy explains what personal information we collect, how we use it, why we share it, the safeguards we apply to protect it, and the rights available to you under applicable law.
This Policy applies to personal information collected through our website located at https://www.southerntrust.com/, our online loan application portals, mobile experiences, communication channels, and any other digital services operated by Southern Trust (collectively, the “Online Services”), as well as information collected offline in connection with mortgage origination, underwriting, processing, funding, and related financial activities.
Southern Trust Mortgage, LLC is a financial institution subject to the Gramm–Leach–Bliley Act (“GLBA”), including the Privacy Rule and Safeguards Rule, the Fair Credit Reporting Act (“FCRA”), the Equal Credit Opportunity Act (“ECOA”), the Truth in Lending Act (“TILA”), the Real Estate Settlement Procedures Act (“RESPA”), the USA PATRIOT Act, and other applicable federal and state mortgage lending laws. This Privacy Policy supplements, and does not replace, any separate GLBA privacy notice delivered to consumers as required by law.
By using our Online Services or submitting information to us, you acknowledge that you have reviewed and understood this Privacy Policy.
Federal law permits financial institutions to share consumers’ personal information for certain operational, regulatory, and business purposes. Federal law also provides consumers the right to limit specific categories of sharing, but not all sharing.
As a mortgage lender, Southern Trust must share certain personal information in order to process transactions, maintain accounts, comply with legal requirements, report to credit bureaus, and conduct ordinary lending operations. This Privacy Policy describes those practices in detail.
The personal information we collect depends on the mortgage product or service you obtain from us.
We collect personal identifiers such as your full legal name, prior names, date of birth, Social Security number or Taxpayer Identification Number, government-issued identification information, current and prior addresses, email address, and telephone number.
We collect financial and credit-related information necessary to evaluate mortgage eligibility. This may include income documentation, employment history, employer contact details, tax returns, wage statements, bank account numbers, account balances, transaction histories, investment and asset documentation, debt obligations, credit scores, and consumer credit reports.
We collect property and loan-related information, including property address, purchase contracts, appraisal reports, title information, homeowner insurance documentation, loan program selections, and underwriting materials.
When you interact with our Online Services, we may collect technical information such as IP address, device identifiers, browser type, operating system, session activity, referral URLs, and page interaction data.
We also maintain records of communications conducted through telephone, email, chat, secure portals, and SMS where permitted by law. Calls may be recorded for quality assurance, compliance, and risk management purposes.
We collect personal information directly from you and from third parties, including credit bureaus, verification providers, affiliates, employers, financial institutions, government agencies, and other entities involved in the mortgage process.
Due to the nature of mortgage lending, we collect and process sensitive financial and identifying information, including Social Security numbers, financial account numbers, tax documentation, credit histories, and asset documentation. Such information constitutes nonpublic personal information under GLBA and is handled in accordance with federal financial privacy and security standards.
Southern Trust Mortgage does not allow third-party cookies to access confidential mortgage data, banking details, or personally identifiable financial information. Any third-party services used on the Website are selected with attention to security, privacy, and regulatory considerations.
We process personal information to originate, underwrite, approve, fund, and administer mortgage loans. This includes verifying identity, evaluating creditworthiness, assessing collateral value, preventing fraud, complying with anti-money laundering obligations, and satisfying investor or secondary market requirements.
We also process personal information to maintain accounts, respond to court orders and regulatory examinations, report to credit bureaus, conduct audits, manage risk, and comply with federal and state mortgage regulations.
We may use contact information to communicate about mortgage products and services offered by Southern Trust. Where required by law, you may exercise applicable opt-out rights.
Southern Trust shares personal information as permitted or required by federal and state law. Certain disclosures are necessary to process transactions, maintain accounts, comply with regulatory and legal requirements, respond to court orders or investigations, detect and prevent fraud, and report to consumer reporting agencies. These disclosures are part of our everyday business operations and may not be limited under federal law.
We may use personal information to market our own mortgage products and related financial services. Federal law does not provide a right to limit our direct marketing activities. We do not participate in joint marketing programs with non-affiliated financial institutions, and we do not share personal information with non-affiliated companies for them to market to you.
We may share information with affiliated companies for their everyday business purposes, including information about transactions and experiences. We may also share information with affiliates regarding creditworthiness and for affiliate marketing purposes. You have the right to limit sharing related to affiliate marketing and creditworthiness information by contacting us at 800-748-2147. If you maintain a joint account, your privacy choice will apply to all persons associated with that account.
If you are a new customer, we may begin sharing information 30 days after this notice is provided. When you are no longer our customer, we will continue to share information as described in this Policy, subject to applicable law. You may exercise your limitation rights at any time.
In connection with mortgage applications and ongoing loan administration, Southern Trust obtains consumer reports from consumer reporting agencies in accordance with the Fair Credit Reporting Act. These reports are used to evaluate creditworthiness, verify financial information, assess risk, and determine eligibility for mortgage products.
We may also furnish information concerning your loan, payment history, and account status to consumer reporting agencies as permitted by law. Such reporting supports the integrity of the credit reporting system and is part of standard mortgage lending operations.
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you apply for a mortgage loan, we may request identifying information such as your name, residential address, date of birth, and government-issued identification number.
We may also request documentation to verify your identity. This information is collected and retained in compliance with federal anti-money laundering and customer identification program requirements.
Southern Trust maintains a written information security program designed to protect nonpublic personal information in accordance with the Gramm–Leach–Bliley Act Safeguards Rule and applicable state data protection laws. We implement administrative, technical, and physical safeguards appropriate to the sensitivity of the information we maintain.
These safeguards include encryption of sensitive data in transit and at rest, multi-factor authentication, strict access controls, secure document transmission systems, secured facilities, vendor oversight, monitoring technologies, and incident response protocols. Employees receive ongoing training regarding financial data protection obligations.
While we apply rigorous controls, no system can eliminate all risk. In the event of a security incident involving personal information, we will comply with applicable federal and state notification requirements.
Our Online Services use cookies and similar technologies to support authentication, fraud detection, website functionality, performance monitoring, analytics, and internal marketing efforts. These technologies help maintain system security and improve user experience.
Where required by applicable law, non-essential cookies are deployed only after obtaining appropriate user consent. Users may adjust browser settings to manage cookie preferences; however, disabling certain technologies may affect website functionality.
We use Microsoft Clarity and Microsoft Advertising to analyze how visitors interact with our Website. These tools collect behavioral metrics such as page views, session activity, click patterns, scrolling behavior, and heatmaps through first- and third-party cookies and similar tracking technologies. This information helps us evaluate website performance, improve user experience, enhance security, detect fraud, and measure advertising effectiveness.
These services do not access confidential mortgage application data, financial account numbers, Social Security numbers, or other nonpublic personal financial information submitted through secure loan portals. For more information about how Microsoft collects and processes data, please review the Microsoft Privacy Statement.
We retain personal information in accordance with federal and state mortgage lending regulations, tax laws, accounting standards, investor requirements, and litigation preservation obligations. Retention periods may extend several years following loan payoff, denial, or withdrawal, as required by law.
When personal information is no longer required for legal or business purposes, it is securely destroyed or anonymized in accordance with established data handling procedures.
Our Online Services may contain links or redirections to third-party websites. Such redirection occurs only as a result of user action. Third-party websites operate independently of Southern Trust Mortgage, LLC.
We do not control or endorse the content of third-party websites and do not guarantee the accuracy, completeness, or timeliness of information provided on those sites. The privacy and security practices of third-party websites may differ from ours and may provide a different level of protection.
Depending on your state of residence, you may have rights under applicable privacy laws to request access to personal information, request correction of inaccurate information, request deletion of certain data subject to regulatory exemptions, obtain a portable copy of specific categories of information, or opt out of targeted advertising where applicable.
Certain financial records may be exempt from deletion due to federal and state recordkeeping requirements. Requests to exercise privacy rights may be submitted by calling 800-748-2147 or contacting us at our principal office address. Identity verification is required before fulfilling such requests.
Our Online Services are not directed to children under thirteen years of age. We do not knowingly collect personal information from children under thirteen.
If we become aware that personal information has been submitted by a child under thirteen without verifiable parental consent, we will take reasonable steps to delete such information in accordance with applicable law.
Southern Trust Mortgage, LLC is committed to maintaining accessible digital experiences consistent with applicable law and recognized web accessibility standards. Individuals encountering accessibility barriers are encouraged to contact us so that appropriate assistance may be provided.
This Privacy Policy may be updated periodically to reflect changes in legal requirements, regulatory guidance, operational practices, or technology. The “Last Updated” date at the top of this page indicates the effective date of the most recent revision.
For questions regarding this Privacy Policy, our information handling practices, or to exercise applicable privacy rights, please contact Southern Trust Mortgage, LLC using the information below.
You may reach us by telephone at 800-748-2147 during normal business hours. Written correspondence may be directed to our principal office at: 295 Bendix Road, Suite 400, Virginia Beach, Virginia 23452.
Privacy-related inquiries may also be submitted through the contact form available on our website at https://www.southerntrust.com/
We may require verification of your identity before responding to certain requests, particularly where access to nonpublic personal financial information is involved.
Privacy Controls
Review your privacy settings to understand how personal information is collected, used, and shared, and access available options related to transparency, data requests, and communications.
