Pat Miller
Sr. Loan Officer / Area Sales Manager at Southern Trust Mortgage · Virginia Beach, VA
NMLS ID 698968 (opens in a new tab) · verify at NMLS Consumer Access
Pat Miller (NMLS 698968) is Sr. Loan Officer / Area Sales Manager at Southern Trust Mortgage, based in Virginia Beach, VA. Licensed in 3 states: Florida, North Carolina and Virginia. Focus areas shown on the lender page: Down payment assistance, FHA loan, First-time buyer, Renovation loan (203k / HomeStyle) and USDA loan. 3 years licensed.
Last verified . Sources: Southern Trust Mortgage (southerntrust.com), Florida state regulator, the loan officer's recorded intro and NMLS Consumer Access (license status, check live).
- 3 years licensed
- 3 states
- Voice intro
- Unclaimed profile
- No actions on file
Specialties
- Down payment assistancelender page
- FHA loanlender page
- First-time buyerlender page
- Renovation loan (203k / HomeStyle)lender page
- USDA loanlender page
- VA loanlender page
- Real estate investorlender page
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) (LO114420, since 2022), verified 2026-10-09.
Others as listed on the lender page (NC, VA), not yet checked against state regulators.
Contact
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Employment history
Southern Trust Mortgage NMLS 2921
Current · Virginia Beach, VA · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
Video intro available
Pat has a short recorded video intro on Southern Trust Mortgage's site.
Watch on Southern Trust Mortgage's site (opens in a new tab)
The recording is hosted and published by Southern Trust Mortgage. We don't copy or transcribe it. Verified 2026-10-09.
About
Pat Miller is a problem-solving specialist across the VA, NC, and FL markets with deep expertise in VA, FHA, USDA, and down payment assistance programs. Known for finding creative solutions in challenging scenarios and delivering on-time closings, he approaches every transaction with precision and care.
Our summary of the lender page. Verified 2026-10-09.
Reviews
Reviews on other sites
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LenDb reviews
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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 |
| Video intro | 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 |
Also available as Markdown, JSON, or via the API.
Cite as: Pat Miller (NMLS 698968), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/patrick-miller-698968, last verified 2026-10-09.
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