ClickSWITCH Live Chat

Carl Moraw

NMLS ID: 688921 - Residential Lending Vice President

Fenton & Brighton, MI

Phone: (810) 714-3948

Cell: (248) 563-1686

Fax: (810) 714-3948

Email: carlm@thestatebank.com

Credit Granting Criteria

Documents Needed for Pre-Approval & Mortgage Application

To start the process of applying for a mortgage online click below

Start My Application

I have been married for 29 years to my wife Gretchen and we currently live in Waterford. We have two daughters, Halle and Sammi, and a cat named Louie.

I attended Bowling Green State University for my Bachelors and MBA and played 5 years Professional Baseball in the Milwaukee Brewer organization before moving into the banking industry. My experience includes commercial lending for 10+ years in Ohio and Michigan and residential mortgage lending for 18 years in Southeast Michigan. I have had the pleasure of working at The State Bank for the past 6 years.

Outside of work I enjoy baseball, golf, hunting and fishing, and spending time with my family.

See what other people are saying about working with Carl!

 

"Carl Moraw was Excellent in every way imaginable. Very prompt and kept us well informed
through the entire process. Carl clearly understood our unique circumstances and was able to
deliver a mortgage that fit. No other lender was able to provide this type of personal service.
Not all situations are the same and I commend Carl's entire team. Everyone worked for our
benefit, communicated and executed flawlessly." - Stephen & Carla Johnson

"We were referred to the carl Moraw by our daughter. Carl was pleasant, personable and very knowledgeable and my husband and I felt the process was a pleasant experience." - Matthew Stone

"Everyone at the State Bank were terrific. After having a bad experience with another mortgage lender as a first time home buyer, we chose to give the State Bank an opportunity and they really turned everything around and made sure that everything was thoroughly explained and that we were on the same page throughout the whole process. Carl was very informative and professional, and Marissa Youngs was on top of everything throughout the whole process and made sure we were ready to go when we found the house we wanted. I would recommend the team at State Bank to any of my family or friends buying a house." - Looman Stingo

"Carl was absolutely wonderful to work with and made it possible for us to get our second home." - Robert Teregan

"Carl Moraw was Excellent in every way imaginable. Very prompt and keep us well informed through the entire process. Carl clearly understood our unique circumstances and was able to deliver a mortgage that fit. No other lender was able to provide this type of personal service. Not all situations are the same and I commend Carl s entire team. Everyone worked for our benefit, communicated and executed flawlessly." - Stephen Johnson

"Carl Moraw has provided us with very good service both in the past with an equity line and currently with a refinance. I would highly recommend him and State Bank to anyone." - Dennis Wolak

"The entire staff at the state bank were professional, friendly and timely. They took the time to explain the process to me. I was extremely satisfied with their service." - Tracy Groves

"Carl was a true pro - would definitely reccomend working with Carl/State Bank." - Zachary Munce

"State bank provided caring, professional representatives, who responded promptly to all of our questions and requests, while expediting the process of purchasing a home. Everything was accomplished in a timely manner resulting in a closing that went smoothly. Our bank representative even attended the closing, although it was not necessary, just to make sure all went smoothly. We would recommend them to you!" - Edward Ferguson

"Great small town bank feeling. Great support and quick feedback on any question. Flexible in providing financing method." - James Goran

"State Bank and Carl Moraw great to do business with, easy, on time and efficient." - Stanley Kaczocha

"Carl and his team went above and beyond in every step of the mortgage process. Everyone was available and returned calls and emails with lightning speed, were supremely pleasant and polite at every turn, and worked tirelessly and professionally to get things pushed through on my behalf. They were flexible when the seller wanted to move up the closing date, honest and reliable at every turn. And, not only was my personal experience with Carl and the State Bank team exemplary, but at the closing, the Matt Shoemaker, from The Law Offices of Richard Shea said he has NEVER had a better experience with any bank anywhere. He said that sometimes out of state banks can prove to be tricky to work with, and that he would recommend The State Bank to anyone without reservation." - Josiah Babcock

"Carl and his team were great to work with and worked through many challenges that come with remodel construction financing. We tried working with another bank before we found State Bank and it was like pulling teeth to get someone who cared to help us navigate the construction loan process. Carl helped us not only navigate it but made it seem easy." - Robert Paschall

"I highly recommend The State Bank, Carl Moraw and his team to anyone in need of a home mortgage or a loan to purchase vacant land, since they offer several options to meet your needs and will find a way to achieve your goals." - Thomas Rothermel

"Carl Moraw’s team at The State Bank made my closing seamless and without hassle. Highly recommended!" - David Nieland

Smart Decisions

 

Let The State Bank help you make 'Smart Decisions' with your finances.

 

Learn More

Download Our Mobile App

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay your bills
Explore Bank-Owned Properties