---
canonical_url: https://lendb.ai/lo/davis-horbal-2462652
json_url: https://lendb.ai/lo/davis-horbal-2462652.json
nmls_id: 2462652
last_verified: 2026-10-09
---

# Davis Horbal

Mortgage Loan Officer at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 2462652 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2462652)).

**Summary:** Davis Horbal (NMLS 2462652) is Mortgage Loan Officer at Southern Trust Mortgage, based in Virginia Beach, VA. Lists Virginia on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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


## About

Davis Horbal brings extensive knowledge of VA, FHA, USDA, and renovation loans across Virginia. He emphasizes clear communication and personalized support for first-time homebuyers and investors.

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

## Facts from the lender page and intro

- service_area: Virginia market. Source: https://www.southerntrust.com/davis-horbal/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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/davis-horbal/, 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/2462652

## Contact

- linkedin_url: https://www.linkedin.com/in/davis-horbal-935a5a112/ (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/davis-horbal/
- Office phone and Email on file: shown at https://lendb.ai/lo/davis-horbal-2462652#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2462652
- lender_site: https://www.southerntrust.com/davis-horbal/

Cite as: Davis Horbal (NMLS 2462652), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/davis-horbal-2462652, last verified 2026-10-09.

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