State Savings Bank
State Savings Bank received 211 applications in 2025 and made 174 mortgages, in 30 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $225,000. Of 193 decisions, 15 were denials — 7.8%.
| Legal Entity Identifier | 984500AEH02DE1S8E864 |
|---|---|
| Applications received | 211 |
| Mortgages made | 174 |
| Denied | 15 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: State Savings Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 115 | Not published | $265,000 | 6.3% |
| Refinancing | 23 | Not published | $205,000 | 0.0% |
| Cash-out refinancing | 16 | Not published | $240,000 | 23.8% |
| Other purposes | 20 | Not published | $65,000 | 9.1% |
Where State Savings Bank lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Otsego County, MI | 34 | Not published | 5.6% |
| Benzie County, MI | 33 | Not published | 8.3% |
| Grand Traverse County, MI | 24 | Not published | 10.7% |
| Mecosta County, MI | 12 | Not published | 0.0% |
| Leelanau County, MI | 11 | Not published | 8.3% |
| Roscommon County, MI | 7 | Under 10 loans | 12.5% |
| Crawford County, MI | 6 | Under 10 loans | 25.0% |
| Kalkaska County, MI | 6 | Under 10 loans | 0.0% |
| Manistee County, MI | 5 | Under 10 loans | 16.7% |
| Montmorency County, MI | 5 | Under 10 loans | 0.0% |
| Tuscola County, MI | 4 | Under 10 loans | 0.0% |
| Kent County, MI | 3 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 2 | Under 10 loans | 25.0% |
| Cheboygan County, MI | 2 | Under 10 loans | 0.0% |
| Emmet County, MI | 2 | Under 10 loans | 0.0% |
| Huron County, MI | 2 | Under 10 loans | 0.0% |
| Missaukee County, MI | 2 | Under 10 loans | 0.0% |
| Newaygo County, MI | 2 | Under 10 loans | 0.0% |
| Wexford County, MI | 2 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Antrim County, MI | 1 | Under 10 loans | 50.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Saginaw County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 0 | Under 10 loans | 0.0% |
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When State Savings 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.