Southern Michigan Bank & Trust
Southern Michigan Bank & Trust received 470 applications in 2025 and made 344 mortgages, in 41 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 444 decisions, 59 were denials — 13.3%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549006ONI6N95VKB649 |
|---|---|
| Applications received | 470 |
| Mortgages made | 344 |
| Denied | 59 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Southern Michigan Bank & Trust, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 210 | Not published | $215,000 | 8.5% |
| Refinancing | 47 | Not published | $195,000 | 23.9% |
| Cash-out refinancing | 22 | Not published | $120,000 | 28.6% |
| Other purposes | 65 | Not published | $55,000 | 13.4% |
Where Southern Michigan Bank & Trust lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hillsdale County, MI | 75 | Not published | 8.7% |
| Branch County, MI | 71 | Not published | 22.9% |
| Jackson County, MI | 66 | Not published | 6.0% |
| St. Joseph County, MI | 33 | Not published | 11.6% |
| Calhoun County, MI | 32 | Not published | 26.1% |
| Kalamazoo County, MI | 9 | Under 10 loans | 0.0% |
| Lenawee County, MI | 7 | Under 10 loans | 0.0% |
| Cass County, MI | 5 | Under 10 loans | 0.0% |
| Berrien County, MI | 4 | Under 10 loans | 0.0% |
| Barry County, MI | 3 | Under 10 loans | 0.0% |
| Ottawa County, MI | 3 | Under 10 loans | 0.0% |
| Wayne County, MI | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Steuben County, IN | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Eaton County, MI | 2 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 2 | Under 10 loans | 0.0% |
| Lucas County, OH | 2 | Under 10 loans | 0.0% |
| Williams County, OH | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| DeKalb County, IN | 1 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 50.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Fulton County, OH | 1 | Under 10 loans | 0.0% |
| Jefferson County, OH | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 0 | Under 10 loans | 50.0% |
| Isabella County, MI | 0 | Under 10 loans | 100.0% |
| Mecosta County, MI | 0 | Under 10 loans | 100.0% |
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When Southern Michigan Bank & Trust’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.