---
canonical_url: https://lendb.ai/lo/patrick-miller-698968
json_url: https://lendb.ai/lo/patrick-miller-698968.json
nmls_id: 698968
last_verified: 2026-10-09
---

# Pat Miller

Sr. Loan Officer / Area Sales Manager at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 698968 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698968)).

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

## At a glance

- Years licensed: 3
- Licensed in: Florida (FL), North Carolina (NC), Virginia (VA)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/
- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.southerntrust.com/pat-miller/

## 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.

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

## Video intro available

Pat has a short recorded video intro on Southern Trust Mortgage's site.

Watch on Southern Trust Mortgage's site: https://www.southerntrust.com/pat-miller/

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-09.

## Facts from the lender page and intro

- role: Sr. Loan Officer / Area Sales Manager. Source: https://www.southerntrust.com/pat-miller/, verified 2026-10-09.
- service_area: North Carolina, Florida, Virginia. Source: https://www.southerntrust.com/pat-miller/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO114420 | active | 2022-10-20 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

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

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- linkedin_url: https://www.linkedin.com/in/pat-miller-8129556b/ (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/pat-miller/
- Office phone and Email on file: shown at https://lendb.ai/lo/patrick-miller-698968#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698968
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.southerntrust.com/pat-miller/

Cite as: Pat Miller (NMLS 698968), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/patrick-miller-698968, last verified 2026-10-09.

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