Benjamin Lacey
Mortgage Loan Officer at Southern Trust Mortgage · Virginia Beach, VA
NMLS ID 2005162 (opens in a new tab) · verify at NMLS Consumer Access
Benjamin Lacey (NMLS 2005162) is Mortgage Loan Officer at Southern Trust Mortgage, based in Virginia Beach, VA. Licensed in Florida, confirmed with the state regulator (license LO100958). Also lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, USDA loan and VA loan. Licensed since 2022 (per Florida records).
Last verified . Sources: Southern Trust Mortgage (southerntrust.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: southerntrust.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, North Carolina, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO100958, since 2022), verified 2026-10-09.
Lender-reported: NC, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Southern Trust Mortgage NMLS 2921
Current · Virginia Beach, VA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Benjamin Lacey brings expertise across VA, NC, and FL markets with deep family legacy in banking and real estate. They specialize in first-time buyer programs, conventional, FHA, VA, and USDA loans, prioritizing personalized service and lasting client relationships.
Our summary of the lender page. Verified 2026-10-09.
- Education
- Licensed to assist in VA, MD, NC & FL (note: page lists FL, NC, VA but also mentions MD)
- Source (opens in a new tab), verified 2026-10-09
- Also
- Knowledgeable in all major home loan program types
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · southerntrust.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · southerntrust.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · southerntrust.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · southerntrust.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · southerntrust.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Benjamin Lacey (NMLS 2005162), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/benjamin-lacey-2005162, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.