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loans imageAgricultural Loans

Ag lending has long been our specialty at Bay Port State Bank.  Whether you are interested in purchasing equipment, cattle, real estate; need a line of credit or refinancing your current Ag loan, we can help you.  We offer flexible and convenient terms, and will work with you to structure a loan to fit the needs of your business.

Visit our Agricultural Lending page for more information.

Commercial Loans

Having an experienced banker on your side when you are ready to secure financing for your company can make all the difference. The highly qualified and motivated lenders at Bay Port State Bank are available to help you finance any number of projects including growth, acquisition and real estate.  We offer both fixed and variable rates with amortization schedules that can be suited to your needs.


At Bay Port State Bank, we believe in helping you make your dreams come true. Whether you’re looking for an automobile, boat, RV/camper or recreational vehicle our lending experts will give you the friendly caring service you have come to expect from Bay Port State Bank. We offer a wide variety of loan options to suit your needs.

Residential Mortgages

Whether purchasing your first home, refinancing an existing  mortgage or buying a new home, Bay Port State Bank’s mortgage experts are available to assist you with the mortgage process. Bay Port State Bank is committed to making mortgages easy and affordable by offering:  low fees, personal attention and timely loan closing.

Student Loans

Bay Port State Bank has partnered with College Ave to to help you achieve your higher education goals. Check out the Student Loans page for more info.

Mortgage Loan Originators (MLO)


Name Office MLO ID
Karen K. Phillips Pigeon 793490
Brody A. Beachy Pigeon 1697166
Leanne B. Schuette Bad Axe 793491
Jylan L. Shope Pigeon 793492
Lori A. Kowaleski Bad Axe 789379
Jason A. Hanson Bad Axe 1774469

Bay Port State Bank’s NMLS #756264

Development and Construction Loans

We offer competitive terms and closing costs during the construction phase. The closing after the construction phase is quick and easy without any additional fees. This can save you thousands of dollars in closing costs. Our lenders will customize a package for you that will meet your needs and exceed your expectations.

No Application Fee

Automatic Payment

By choosing our automatic payment deduction from your Bay Port State Bank account, you will have peace of mind knowing that your loan payment will be made on time.


Our lenders and staff are your neighbors and understand the value of your loan request.  As a community bank, all of our lending decisions are made locally and internally. Our approval process is streamlined and we are able to respond to you in a timely manner.

Call Bay Port State Bank for a professional evaluation of your situation at our toll free number 877-656-2231 or e-mail us at

Bay Port State Bank Meeting Your Needs Today … and Tomorrow