• Incentive Pricing is .250

  • Purchase Transactions

  • Conventional Fixed Conforming

  • 680+ Fico

  • 100K+ Loan Amount

  • LP AUS - Must be Accept

 Welcome to State Bank’s Wholesale/Correspondent Lending Website. We look forward to putting our mortgage services to work for you!

We offer the best mortgage tools available on the Internet - easy, convenient and online features for the best loan programs and most current rates available, together with the assistance of an experienced wholesale team to guide you through the often difficult and confusing process of getting your loans approved.

Who we are

State Bank Mortgage is a full-service wholesale/correspondent lender. Our team has decades of combined experience serving clients all over the Southeast. As a community bank, we are client-focused and able to tailor our services to your institution's unique needs.

What we do

State Bank offers a variety of loan programs to match your borrowers with the best loan program and rate for their situation. Use your funds or ours; close in your name or ours. We work with you to provide the very best level of service of you and your customers.

The State Bank Mortgage Difference

  • Competitive Pricing
  • Product diversity
  • Accessibility: Your processor, underwriter, manager or account representative is just a phone call away
  • Communication:  Receive timely updates on products, pricing and underwriting
  • Overnight price protection
    Free automatic lock extensions for weekend or holiday expiration dates


Contact Information
Toll Free: (888) 308-6003
Direct: (706) 821-6000
Email: Send Email
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Turn Times

Processed ready files will be submitted within 24-48 hours of receipt. Files received after 4:00 pm are considered as received the next day.

Conventional Purchase Loan Files that have cleared setup and compliance review are being underwritten as of April 26th, 2016.

Conventional Refi Loan Files that have cleared setup and compliance review are being underwritten as of April 26th, 2016.

Government Loan Files that have cleared setup and compliance review are being underwritten as of April 27th, 2016.

*If your loan was sent in prior to the underwriting dates listed above, and your loan has not yet been underwritten please contact Debra Taylor at debra.taylor@stateBT.com.

Need Help?

Questions about Guidelines? Contact Hatton Valentine at hatton.valentine@stateBT.com or secondary@stateBT.com.

Questions about specific underwriting scenerios?  Contact uwhelp@stateBT.com.

State Bank Mortgage, A Division of State Bank & Trust Company
2743 Perimeter Pkwy, Bldg 100 Suite 100, Augusta, GA  30909
Toll Free:  (888) 308-6003
Direct:  (706) 821-6000
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