SeaTrust Mortgage Company is built on the foundation of our #1 core value, customer obsession.

As a subsidiary of one of the fastest-growing banks in the southeast, Community First Bank, SeaTrust has a unique advantage by operating like an independent mortgage company powered with a bank charter and low cost of funds.

Our "New Wave" technology will provide speed, quality, and efficiency so you can close your loan quickly with no hassle.

Our rates and terms will give you the peace of mind knowing you received the best possible program.

Trust in us!

Defined by Leadership



Margaret is a strategic leader with proven ability to evaluate data and analytics to maximize performance resulting in stronger earnings, achieving aggressive production goals and engineering inefficiency out of processes.

She has a Bachelor of Business Administration from Northwood University and .a strong mortgage background spanning 30 plus years. Margaret has been in senior leadership roles at several companies such as Ameritrust Mortgage, LenderLive and Avelo Mortgage (a Goldman Sachs company).

John Owens


John is the President and Co-Founder of SeaTrust Mortgage Company. John has more than two decades of experience leading some of the industry's most successful and innovative organizations. He founded and served as CEO of Ameritrust, which successfully sold in 2014.

A graduate in Economics from UNC-Charlotte, he is also a former D1 baseball player. He has been honored as a INC500 recipient for two consecutive years, Charlotte Chamber Entrepreneur of the Year, and as an Ernst & Young Entrepreneur of the Year finalist. In 2021 John received the “Change Maker” award from the MBA of the Carolinas.

He is skilled in strategic management, operations planning & analytics, and organizational development. Beyond banking; John also founded one of the largest Baseball Academies in the southeast (Showcase Baseball Academy) where his 25,000 square feet facility hosted 50 teams, professional coaching, an academic tutoring department as well as a travel and logistic division.

After 12 successful years, John sold the baseball academy to focus on his book; Corporate Cure where he authored one of the most dynamic books about the endurance of a powerful culture. John has used his “Corporate Cure” as a template while he had consulted some of the largest mortgage companies in the country.

Lauren Boger


Lauren began her originating career in 2007 and quickly rose to become a top producer and top branch manager by improving processes, streamlining her business and team, and focusing on prospecting. She now brings her wealth of originating knowledge to SeaTrust’s sales force!

Her customer obsession, desire to under promise and over deliver, and belief in non-stop prospecting make her an asset to Loan Originators who wish to grow in their careers.