Applications / Mortgage Analytics / Lenders / Michigan / Sidney State Bank
Sidney, MI · State non-member bank · FDIC · $141 million assets · 66 loans in 2025
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66
loans originated, 2025
79
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sidney State Bank, a small Michigan bank, lends to low- and moderate-income borrowers and neighborhoods far more than similar banks do.
Half of Sidney's 66 loans in 2025 were in low- and moderate-income (LMI) neighborhoods, against 18.6% at the typical similar lender, a state non-member bank making between half and twice as many loans. That put it above about nineteen in twenty of its peers. LMI borrowers took 45.0% of its loans, against 27.3% for peers. The tract share has come down from 80.5% in 2020, but it remains well above the norm.
Manufactured homes made up 16.7% of its loans, against 2.6% at the typical peer. Every loan was conventional, with no government backing, and refinances made up more than half of its lending.
Its typical loan rose to $155,000 from $110,000 a year earlier and $95,000 in 2020. Its loan count rose only 10%, in step with peers and the whole market. It is still a little below the typical peer's $170,000.
Sidney lends in five Michigan counties and one metro. In Grand Rapids, where it has lent since 2014, it ranked 82 of 436 lenders and held 0.1% of the market, unchanged from 2024. Lake Michigan Credit Union led there. Its loans reached 116 in 2022 and have been between 51 and 66 since.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sidney State Bank took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.5% · Purchase 36.4% · Home improvement 4.5% · Other 4.5%
Conventional 100.0% · of 66 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 60 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JH6IWUYV8WYT95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 648345 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317232 | 2014–2017 |
Established 10 October 1921. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Sidney State Bank's data.
Sidney State Bank's data
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Sidney State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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