NMLS ID: 688921 - Residential Lending Vice President
Fenton & Brighton, MI
Phone: (810) 714-3948
Cell: (248) 563-1686
Fax: (810) 714-3948
To start the process of applying for a mortgage online click below
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!
"I have bought and sold many houses, thus I have applied for loans on many occasions. Carl and his team are the best and most knowledgeable I have ever worked with. I would rank their service with an A++++, it was outstanding! A real pleasure."
- Randall & Sheila Hightower
"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 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 The 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 The 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 recommend 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
"The 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
"I would highly recommend Carl Moraw to anyone who is in need of a mortgage. His professionalism and customer care are top notch, which made my personal house closing go smoothly." - Patti Davis
"I have been working with State Bank for a number of years and I keep coming back because of their no nonsense underwriting and loan programs that fit my needs. I would recommend them to anyone. Carl has been extremely helpful in keeping the process smooth and recommending the right program each time." - Ronald Kasperski
"As an Associate Broker with 3DX Real Estate, and 34 years in the real estate industry, I highly recommend Carl Moraw and The State Bank for a multitude of programs to fit every buyer s needs and for excellent service throughout the borrowing/purchase process!" - Randall Meek
"Carl Moraw and the team at the State Bank handled our difficult real estate transaction with ease and professionalism every step of the way. We were selling a home in another state and our new purchase was contingent upon that sale. We encountered many problems and changing closing dates along the way. Carl and team did not miss a beat and were flexible and accommodating with each new development even arranging for us to have back-to-back closings from the state in which we were selling our home in. I would not hesitate to recommend Carl Moraw and The State Bank to anyone. - Craig & Johnna Williams
"Carl Moraw was efficient, thorough, and kind. We received our first mortgage through The State Bank without a single hitch! The process was simple because of the unparalleled guidance we
received, and that truly alleviated the nerves that are bound to arise as you go through the process of purchasing your first home." - David Gammouh