State Bank
State Bank received 100 applications in 2025 and made 73 mortgages, in 14 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $215,000. Of 92 decisions, 15 were denials — 16.3%. 28 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900CHU7PX7ZS6RI74 |
|---|---|
| Applications received | 100 |
| Mortgages made | 73 |
| Denied | 15 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: State Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | Not published | $190,000 | 15.4% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 21.4% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where State Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, IL | 47 | Not published | 18.3% |
| St. Clair County, IL | 6 | Under 10 loans | 0.0% |
| Randolph County, IL | 5 | Under 10 loans | 0.0% |
| St. Louis County, MO | 5 | Under 10 loans | 0.0% |
| Franklin County, MO | 2 | Under 10 loans | 0.0% |
| St. Louis city, MO | 2 | Under 10 loans | 33.3% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Bond County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, IL | 1 | Under 10 loans | 0.0% |
| Boone County, MO | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Ste. Genevieve County, MO | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 0 | Under 10 loans | 100.0% |
| Carroll County, TN | 0 | Under 10 loans | 100.0% |
Get told when this changes
When State Bank’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.