Unverified listing What this means
The Lender Report built this page from public records. Southern Michigan Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Southern Michigan Bank & Trust itself. Each figure shows its source and date. Work at Southern Michigan Bank & Trust? You can claim this page for free.
1-4 Unit Investor record
Southern Michigan Bank & Trust: 1-4 unit investor loans made
Southern Michigan Bank & Trust, a bank based in Coldwater, MI, made 34 1-4 unit investor or business-purpose loans in 2025, $7.6M in all, in 3 states. The median loan was about $130K. Most were in Michigan. HMDA gives this kind of loan as counts for each lender, so this page has no list of loans.
- Evidence
- 1-4 unit investor or business-purpose loans made in 2025, HMDA, counts only
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Loans, 2025
- 34
- HMDA,
- 1 to 4 units, investment property or business purpose
- Dollars
- $7.56M
- HMDA,
- Median loan
- $130K
- HMDA,
- Purchases
- 29
- HMDA,
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, Southern Michigan Bank & Trust: 1-4 unit investor loans made, https://lender.report/lender/southern-michigan-bank-and-trust-mi/investor-1-4/, data as of December 31, 2025.
| State | Loans |
|---|---|
| Michigan | 30 |
| Florida | 3 |
| Kentucky | 1 |
HMDA figures for this kind of loan are by state here, with no dollars by state and no counties.
| Purpose | Loans |
|---|---|
| Purchase | 29 |
| Refinance | 1 |
| Other purpose | 4 |
| As reported | Loans |
|---|---|
| Investment property and business purpose | 0 |
| Investment property, not marked business purpose | 34 |
| Business purpose, not marked an investment property | 0 |
HMDA marks each loan by who will occupy the property and by whether it is made for a business purpose. A loan is counted here when it is on a 1 to 4 unit property and carries either mark.
| Building | Loans | Dollars | Median loan |
|---|---|---|---|
| 1 to 4 units, investor or business purpose | 34 | $7.56M | $130K |
| 5 or more units (multifamily) | 8 | $7.78M | $460K |
Multifamily figures leave out manufactured-home parks.
- Southern Michigan Bank & Trust made 34 1-4 unit investor or business-purpose loans totaling $7.6M in 2025, in 3 states. HMDA,
- The median loan was about $130K and the average about $222K. HMDA,
- By purpose: 29 purchases, 1 refinancing and 4 for another purpose. HMDA,
- HMDA marks 34 of the loans as on an investment property and 0 as made for a business purpose; 0 carry both marks. HMDA,
- The loans were most often in Michigan (30), Florida (3) and Kentucky (1). HMDA,
- In 2025 it also made 8 multifamily loans (5 or more units) totaling $7.8M. HMDA,
What we don't know
- Whether Southern Michigan Bank & Trust is taking new 1-4 unit investor loans today, or how it would treat a property like yours.
- The loans one by one. The HMDA figures here are counts for each lender and state, so there are no loan rows, counties, rates or terms for this kind of loan.
- Loans made before 2025. One year is on record here, so nothing on this page is a change over time.
- Its minimum or maximum loan and its fees.
- How the 1-4 family loans it holds divide between owner-occupied and investor. Call reports do not split them.
The loans counted are 2025 HMDA originations on 1 to 4 unit properties that the filing marks as an investment property or as made for a business purpose. A lender that does not report under HMDA has none on record.
Dollars and the median cover all states together. On fewer than 5 loans a dollar figure is rounded to 2 significant figures. Where a lender files under more than one HMDA identifier, the median is that of its largest filer.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.