---
canonical_url: https://lendb.ai/lo/benjamin-lacey-2005162
json_url: https://lendb.ai/lo/benjamin-lacey-2005162.json
nmls_id: 2005162
last_verified: 2026-10-09
---

# Benjamin Lacey

Mortgage Loan Officer at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 2005162 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2005162)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), North Carolina (NC, lender_reported), Virginia (VA, 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.southerntrust.com/benjamin-lacey/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.southerntrust.com/benjamin-lacey/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.southerntrust.com/benjamin-lacey/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.southerntrust.com/benjamin-lacey/

## About

Benjamin has banking and real estate rooted in family legacy. Knowledgeable in all major loan programs, he serves VA, MD, NC, and FL markets with expertise in VA, NC, and FL mortgage financing.

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

## Facts from the lender page and intro

- role: Specializes in a wide range of loan options to help borrowers navigate homebuying or refinancing. Source: https://www.southerntrust.com/benjamin-lacey/, verified 2026-10-09.
- service_area: Licensed to assist with mortgage financing in VA, MD, NC, and FL. Source: https://www.southerntrust.com/benjamin-lacey/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO100958 | active | confirmed | 2022-01-21 | state_regulator | 2026-10-09 |
| NC | 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 |

## Employment history

- ? to present: Southern Trust Mortgage (NMLS 2921), Virginia Beach, VA. Source: https://www.southerntrust.com/benjamin-lacey/, 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/2005162

## Contact

- linkedin_url: https://www.linkedin.com/in/benjamin-lacey-53612b7b/ (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/benjamin-lacey/
- Office phone and Email on file: shown at https://lendb.ai/lo/benjamin-lacey-2005162#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2005162
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.southerntrust.com/benjamin-lacey/

Cite as: Benjamin Lacey (NMLS 2005162), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/benjamin-lacey-2005162, last verified 2026-10-09.

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