---
canonical_url: https://lendb.ai/lo/andrew-kellam-200234
json_url: https://lendb.ai/lo/andrew-kellam-200234.json
nmls_id: 200234
last_verified: 2026-10-09
---

# Andrew Kellam

Branch Manager | Loan Officer at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 200234 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/200234)).

**Summary:** Andrew Kellam (NMLS 200234) is Branch Manager | Loan Officer at Southern Trust Mortgage, based in Virginia Beach, VA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Georgia, North Carolina, New Jersey, South Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: January 12, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 12, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Andrew is a branch manager and recognized regional mortgage professional serving first-time homebuyers and experienced investors. He specializes in creative problem-solving for various loan programs and precision-oriented file management.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Branch Manager and Loan Officer. Source: https://www.southerntrust.com/andrew-kellam/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO100401 | active | confirmed | 2022-01-12 | state_regulator | 2026-10-09 |
| PA | state_license | 63079 | active | confirmed |  | state_regulator | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Southern Trust Mortgage (NMLS 2921), Virginia Beach, VA. Source: https://www.southerntrust.com/andrew-kellam/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/200234

## Contact

- linkedin_url: https://www.linkedin.com/in/andrew-kellam-5425a4a/ (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/andrew-kellam/
- Office phone and Email on file: shown at https://lendb.ai/lo/andrew-kellam-200234#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/200234
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.southerntrust.com/andrew-kellam/

Cite as: Andrew Kellam (NMLS 200234), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/andrew-kellam-200234, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._