Applications / Mortgage Analytics / Lenders / Michigan / 1st State Bank / Competition
1st State Bank
Saginaw, MI · State non-member bank · FDIC · $480 million assets · 123 loans in 2025
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123
loans originated, 2025
147
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who 1st State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BAY CITY, MI, 2025
1st State Bank ranks 2nd of 172 lenders in Bay City, MI, with $25.5M lent: 7.6% of a $337.2M market.
Bay City, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SAGINAW, MI, 2025
1st State Bank ranks 13th of 212 lenders in Saginaw, MI, with $10.5M lent: 1.8% of a $589.1M market.
Saginaw, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DETROIT-WARREN-DEARBORN, MI, 2025
1st State Bank ranks 243rd of 599 lenders in Detroit-Warren-Dearborn, MI, with $5.6M lent: 0.0% of a $23.68B market.
Detroit-Warren-Dearborn, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — MIDLAND, MI, 2025
1st State Bank ranks 17th of 175 lenders in Midland, MI, with $4.2M lent: 1.2% of a $360.1M market.
Midland, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO MICHIGAN, 2025
1st State Bank ranks 259th of 606 lenders in non-metro Michigan, with $2.2M lent: 0.0% of a $7.04B market.
non-metro Michigan is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CLEVELAND, OH, 2025
1st State Bank ranks 475th of 577 lenders in Cleveland, OH, with $265K lent: 0.0% of a $11.41B market.
Cleveland, OH is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — BATTLE CREEK, MI, 2025
1st State Bank ranks 179th of 209 lenders in Battle Creek, MI, with $135K lent: 0.0% of a $562.0M market.
Battle Creek, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — FLINT, MI, 2025
1st State Bank ranks 209th of 285 lenders in Flint, MI, with $340K lent: 0.0% of a $1.61B market.
Flint, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and 1st State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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