What loan types does The State Bank offer?

The State Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does The State Bank offer mortgages?

The State Bank offers mortgages in 9 states: AZ, FL, IN, KY, MI, NC, NE, OH, SC.

How competitive are The State Bank's mortgage rates?

The State Bank has an overall pricing score of 81.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The State Bank?

The State Bank is a Bank headquartered in Fenton, MI.

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The State Bank

Bank•Fenton, MIHQ•Direct•Reviews near you on Google

The State Bank has 209 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 1.10 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

The State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 1.1 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

204 loans · 0.01% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

167 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.20% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	204	97.6%	-0.010%Below	$741Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume204

Mix97.6%

Spread

-0.010%Below

Fees

$741Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	167	79.9%	+0.049%Above	$769Fees
Refinance	Strong	Sound	Exceptional	Strong	42	20.1%	-0.205%Below	$654Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume167

Mix79.9%

Spread

+0.049%Above

Fees

$769Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume42

Mix20.1%

Spread

-0.205%Below

Fees

$654Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

209

Applications

236

Volume

$68 million

Pricing & Closing

Avg Rate Spread

-0.011%

vs. market APOR

Avg Net Fees

$742

Origination − Credits

Pullthrough Rate

88.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$328,349

Avg Borrower Income

$201,713

Avg Property Value

$500,455

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest4

INMINEOH

South4

FLKYNCSC

West1

Top Metro Areas by Place Specialization Score

Flint, MIMetro

Volume 72Mix 34.45% of portfolio

77/100

Strong

Warren, MIMetro

Volume 74Mix 35.41% of portfolio

67/100

Strong

Saginaw, MIMetro

Volume 17Mix 8.13% of portfolio

55/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 199Mix 95.22% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.