Empire Mortgage Loans

State Savings Bank, an Empire mortgage lender, has been financing homes in northwestern lower Michigan since 1901. To us, "up north" is more than a good place to buy real estate-it's home. Our Empire mortgage lenders can assist you in determining the home loan best suited for your needs. Ranging from mortgage lending to home equity loans and mortgage refinancing, our Empire mortgage loan officers can help you understand your options. State Savings Bank is proud to have been part of northwest Michigan’s history and we look forward to serving our growing communities and future generations.

Empire Home Loans

For more information, please contact our mortgage lenders at the following location:


Image of Alan LuedtkeAlan Luedtke can be reached at (231) 499-7627 or e-mail.

NMLS 556304






Image of Jackie DuncanJackie Duncan can be reached at (231) 943-2548 or e-mail.

NMLS 1738924









State Savings Bank offers a wide range of mortgage financing options including:

Our Empire home loans have all the right features:

For more information, please contact our Empire office at (231) 326-4003.

Click Here To Learn More

  • Fixed Rate Mortgages
  • ARMs (Adjustable Rate Mortgages)
  • Zero Down Payment Mortgages
  • Construction Loans
  • Second-Home Mortgages
  • Vacant Land Loans
  • Mortgage Refinancing
  • Competitive Rates
  • Reasonable Closing Costs
  • Flexible Terms
  • Fast Turnaround
  • Free Consultation
  • No Application Fees