SBA 7(a) lenders in MI

Approvals from SBA fiscal year 2008 onward. Source data as of 2026-06-30.

364 institutions have SBA 7(a) loans on record in MI, together $12.61B across 39,112 loans.

Shaded by rank among this state's counties, on total approvals.lessmore

Hover a county for its totals, click to open it.

Largest lenders

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Huntington National Bank	19,577	$3.53B	28.0%	1.91%
2	Fifth Third Bank	2,010	$895.2M	7.1%	1.46%
3	Live Oak Banking Company	456	$589.3M	4.7%	0.47%
4	ChoiceOne Bank	795	$417.9M	3.3%	0.14%
5	JPMorgan Chase Bank, National Association	2,073	$338.5M	2.7%	2.29%
6	Old National Bank	438	$330.1M	2.6%	1.34%
7	Byline Bank	212	$226.0M	1.8%	3.60%
8	First Internet Bank of Indiana	160	$215.7M	1.7%	0.00%
9	First Merchants Bank	421	$211.9M	1.7%	2.11%
10	Bank of Ann Arbor	386	$200.7M	1.6%	1.38%
11	Celtic Bank Corporation	369	$183.9M	1.5%	1.28%
12	Independent Bank	349	$181.9M	1.4%	0.32%
13	Newtek Small Business Finance, Inc.	233	$162.7M	1.3%	2.75%
14	Horizon Bank	492	$153.5M	1.2%	0.11%
15	Oxford Bank	257	$148.5M	1.2%	0.00%
16	Shoreham Bank	66	$147.7M	1.2%	1.99%
17	PNC Bank, National Association	739	$144.2M	1.1%	2.14%
18	KeyBank National Association	352	$143.8M	1.1%	1.55%
19	Nicolet National Bank	231	$143.0M	1.1%	1.07%
20	Wells Fargo Bank National Association	267	$132.0M	1.0%	4.96%
21	Newtek Bank, National Association	308	$130.1M	1.0%	0.00%
22	Citizens Bank, National Association	759	$126.1M	1.0%	2.21%
23	Readycap Lending, LLC	245	$94.7M	0.8%	3.63%
24	United Midwest Savings Bank National Association	223	$88.1M	0.7%	1.93%
25	Credit Union One	211	$83.1M	0.7%	0.60%
26	GBank	30	$78.1M	0.6%	0.00%
27	First Western SBLC, LLC	49	$76.3M	0.6%	0.00%
28	Bank Michigan	104	$69.8M	0.6%	0.69%
29	BankUnited, National Association	75	$67.1M	0.5%	1.21%
30	Bank of America, National Association	166	$66.1M	0.5%	0.28%
31	United FCU	103	$61.1M	0.5%	0.09%
32	IncredibleBank	112	$59.0M	0.5%	1.70%
33	Northeast Bank	346	$57.5M	0.5%	4.28%
34	First State Bank	122	$57.1M	0.5%	0.10%
35	West Shore Bank	94	$56.2M	0.4%	0.00%
36	Capitol National Bank	119	$52.5M	0.4%	3.17%
37	BayFirst National Bank	276	$51.6M	0.4%	13.82%
38	Bank Five Nine	43	$51.4M	0.4%	0.00%
39	Chelsea State Bank	85	$50.8M	0.4%	0.76%
40	4Front Credit Union	233	$50.5M	0.4%	0.44%
41	Lake Michigan CU	50	$48.7M	0.4%	0.00%
42	Superior National Bank	60	$47.7M	0.4%	6.10%
43	Mercantile Bank	183	$46.5M	0.4%	2.05%
44	1st State Bank	136	$46.2M	0.4%	0.60%
45	First National Bank of Michigan	114	$44.7M	0.4%	1.44%
46	Pathward National Association	40	$44.2M	0.4%	0.84%
47	County National Bank	116	$43.1M	0.3%	1.63%
48	The Dart Bank	49	$41.8M	0.3%	1.00%
49	Waterford Bank, National Association	42	$41.6M	0.3%	0.00%
50	Stearns Bank National Association	88	$41.6M	0.3%	2.19%
51	Community Choice CU	101	$41.1M	0.3%	0.24%
52	Southern Michigan Bank & Trust	61	$40.5M	0.3%	0.00%
53	Kellogg Community CU	84	$38.2M	0.3%	0.93%
54	Banc of California	43	$37.9M	0.3%	10.49%
55	Columbia Bank	48	$36.2M	0.3%	0.85%
56	Everwise Credit Union	22	$35.7M	0.3%	0.00%
57	1st Source Bank	224	$35.3M	0.3%	0.92%
58	Lake Trust CU	101	$34.7M	0.3%	0.23%
59	Highpoint Community Bank	125	$32.3M	0.3%	0.00%
60	The Bancorp Bank National Association	39	$31.0M	0.2%	0.00%
61	Honor Bank	172	$31.0M	0.2%	0.27%
62	First National Bank of Pennsylvania	35	$30.3M	0.2%	5.60%
63	Genisys CU	46	$29.0M	0.2%	0.17%
64	First Utah Bank	7	$28.9M	0.2%	0.00%
65	United Bank of Michigan	48	$28.3M	0.2%	2.85%
66	First-Citizens Bank & Trust Company	21	$27.8M	0.2%	1.51%
67	Capital Bank, National Association	21	$27.0M	0.2%	0.00%
68	Isabella Bank	51	$26.6M	0.2%	0.37%
69	U.S. Bank, National Association	63	$25.8M	0.2%	1.97%
70	TowneBank	31	$25.4M	0.2%	0.00%
71	Macatawa Bank, National Association	59	$25.1M	0.2%	0.31%
72	Harvest Small Business Finance, LLC	30	$24.4M	0.2%	0.00%
73	Commercial Bank	73	$24.0M	0.2%	2.60%
74	Flagstar Bank National Association	105	$23.0M	0.2%	0.00%
75	Citizens Bank	40	$22.8M	0.2%	2.39%
76	Pima FCU	7	$22.6M	0.2%	0.00%
77	University Bank	48	$22.0M	0.2%	0.00%
78	Michigan State University Federal Credit Union	122	$21.5M	0.2%	0.81%
79	Happen Bank	20	$21.1M	0.2%	0.77%
80	United Community Bank	29	$21.0M	0.2%	0.00%
81	Northwest Bank	18	$20.1M	0.2%	0.00%
82	Millennium Bank	15	$20.1M	0.2%	0.00%
83	CIBC Bank USA	28	$19.5M	0.2%	0.00%
84	Colony Bank	33	$19.5M	0.2%	0.49%
85	Great North Bank	37	$18.6M	0.1%	4.09%
86	Legence Bank	22	$18.5M	0.1%	1.02%
87	First National Bank & Trust Co	44	$18.0M	0.1%	8.21%
88	Team One CU	43	$17.9M	0.1%	0.00%
89	First Bank	13	$17.8M	0.1%	0.00%
90	First Financial Bank	17	$17.6M	0.1%	0.00%
91	DFCU Financial	27	$17.5M	0.1%	0.00%
92	Grand River Bank	49	$17.4M	0.1%	0.54%
93	US Eagle FCU	6	$17.3M	0.1%	0.00%
94	Beacon Bank and Trust	15	$17.2M	0.1%	0.00%
95	Enterprise Bank & Trust	15	$17.1M	0.1%	0.00%
96	LAF CU	26	$17.0M	0.1%	0.00%
97	Merchants Bank of Indiana	12	$15.8M	0.1%	0.00%
98	Citizens National Bank of Cheboygan	43	$15.3M	0.1%	1.00%
99	Eastern Michigan Bank	36	$14.6M	0.1%	1.95%
100	The Stephenson National Bank and Trust	39	$14.5M	0.1%	4.09%
101	Bank of Hope	21	$14.4M	0.1%	0.97%
102	Huron Valley State Bank	69	$14.3M	0.1%	1.62%
103	Consumers Credit Union	34	$13.9M	0.1%	0.83%
104	Central Savings Bank	13	$13.7M	0.1%	4.15%
105	Evolve Bank and Trust	12	$13.4M	0.1%	16.32%
106	UMB Bank, National Association	11	$13.3M	0.1%	0.00%
107	First Bank of the Lake	33	$13.3M	0.1%	1.60%
108	CRF Small Business Loan Company, LLC	22	$13.1M	0.1%	0.00%
109	Sturgis Bank & Trust Company	15	$12.5M	0.1%	0.50%
110	Grasshopper Bank National Association	14	$12.4M	0.1%	0.00%
111	Northern Great Lakes Initiatives	82	$12.4M	0.1%	4.45%
112	Gulf Coast Bank and Trust Company	15	$12.3M	0.1%	10.32%
113	Northstar Bank	39	$12.2M	0.1%	2.39%
114	PromiseOne Bank	7	$12.1M	0.1%	0.00%
115	The MINT National Bank	8	$12.0M	0.1%	0.00%
116	Michigan Schools and Government Credit Union	40	$11.8M	0.1%	0.00%
117	1st Financial Bank USA	5	$11.7M	0.1%	0.00%
118	Eaton Community Bank	24	$11.5M	0.1%	0.00%
119	First Bank of Central Ohio	4	$11.5M	0.1%	0.00%
120	CASE CU	45	$10.9M	0.1%	0.00%
121	Genesis Bank	13	$10.9M	0.1%	0.00%
122	Arbor Financial Credit Union	27	$10.8M	0.1%	3.09%
123	Century Bank and Trust	34	$10.7M	0.1%	0.00%
124	Ameris Bank	14	$10.7M	0.1%	0.00%
125	Alliance Catholic CU	9	$10.5M	0.1%	0.00%
126	Huron Community Bank	36	$10.4M	0.1%	4.00%
127	Customers Bank	9	$10.1M	0.1%	0.00%
128	MI Bank	19	$10.0M	0.1%	0.00%
129	Range Bank	14	$10.0M	0.1%	4.54%
130	Hanmi Bank	9	$9.6M	0.1%	0.00%
131	Farmers State Bank of Alto Pass, Illinois	4	$9.1M	0.1%	0.00%
132	Port 51 Lending LLC	7	$9.1M	0.1%	0.00%
133	Homestead Savings Bank	6	$9.0M	0.1%	0.00%
134	Centerstone SBA Lending, Inc.	9	$9.0M	0.1%	0.00%
135	Zeal Credit Union	29	$9.0M	0.1%	0.00%
136	Dort Financial CU	31	$9.0M	0.1%	3.85%
137	SouthState Bank, National Association	9	$8.7M	0.1%	0.00%
138	Honor CU	24	$8.6M	0.1%	2.41%
139	Upper Peninsula State Bank	15	$8.2M	0.1%	1.29%
140	Midland States Bank	5	$8.1M	0.1%	0.00%
141	Royal Business Bank	2	$8.1M	0.1%	0.00%
142	Omni Community Credit Union	16	$8.1M	0.1%	0.00%
143	Stone Bank	11	$7.9M	0.1%	0.00%
144	Wildfire Credit Union	30	$7.8M	0.1%	1.71%
145	FDIC - Community Bank & Trust-West Georgia	6	$7.8M	0.1%	0.00%
146	Lake-Osceola State Bank	13	$7.8M	0.1%	4.69%
147	Heritage Bank Inc	13	$7.7M	0.1%	0.00%
148	Lendistry SBLC, LLC	36	$7.7M	0.1%	0.00%
149	Metro City Bank	2	$7.6M	0.1%	0.00%
150	CDC Small Business Finance Corp.	64	$7.5M	0.1%	15.79%
151	Five Star Bank	28	$7.4M	0.1%	1.33%
152	TBA CU	8	$7.4M	0.1%	0.00%
153	Union Bank	15	$7.2M	0.1%	0.00%
154	22nd State Bank, A Division of 22nd State Banking Company	3	$7.1M	0.1%	0.00%
155	WesBanco Bank, Inc.	19	$7.0M	0.1%	0.00%
156	Frankenmuth Credit Union	18	$6.8M	0.1%	0.00%
157	Simmons Bank	20	$6.8M	0.1%	13.92%
158	Open Bank	4	$6.7M	0.1%	0.00%
159	First American Bank	2	$6.7M	0.1%	0.00%
160	North Valley Bank	4	$6.6M	0.1%	0.00%
161	Commonwealth Business Bank	7	$6.5M	0.1%	0.00%
162	Popular Bank	25	$6.4M	0.1%	43.51%
163	Truliant FCU	4	$6.4M	0.1%	0.00%
164	CenTrust Bank, A Division of SmartBiz Bank National Association	21	$6.2M	0.0%	0.00%
165	TD Bank, National Association	5	$6.2M	0.0%	0.00%
166	US Metro Bank	2	$6.1M	0.0%	0.00%
167	North State Bank	7	$6.0M	0.0%	0.00%
168	Northwest FCU	3	$6.0M	0.0%	0.00%
169	Baybank	16	$6.0M	0.0%	0.11%
170	Independence Bank	49	$5.9M	0.0%	33.34%
171	Climate First Bank	2	$5.8M	0.0%	0.00%
172	First State Bank of Michigan	2	$5.8M	0.0%	0.00%
173	Bankwell Bank	4	$5.6M	0.0%	0.00%
174	First Financial Bank	22	$5.6M	0.0%	0.00%
175	TLC Community CU	4	$5.5M	0.0%	0.00%
176	Lake City Bank	11	$5.5M	0.0%	0.00%
177	Federal Deposit Insurance Corporation	11	$5.4M	0.0%	0.00%
178	Alden State Bank	21	$5.4M	0.0%	1.17%
179	Milestone Bank	8	$5.4M	0.0%	0.00%
180	FinWise Bank	5	$5.3M	0.0%	6.21%
181	Hinsdale Bank & Trust Company, National Association	4	$5.2M	0.0%	0.00%
182	Pinnacle Bank	4	$5.1M	0.0%	0.00%
183	Fund-Ex Solutions Group, LLC	2	$5.1M	0.0%	0.00%
184	Cache Valley Bank	1	$5.0M	0.0%	0.00%
185	Peoples State Bank of Munising	1	$5.0M	0.0%	0.00%
186	Greater Nevada CU	1	$5.0M	0.0%	0.00%
187	The State Bank and Trust Company	10	$5.0M	0.0%	0.00%
188	Centier Bank	4	$4.8M	0.0%	49.17%
189	Mechanics and Farmers Bank	2	$4.6M	0.0%	0.00%
190	Christian Financial CU	18	$4.6M	0.0%	0.72%
191	First Commonwealth Bank	6	$4.5M	0.0%	0.00%
192	Patriot Bank, National Association	3	$4.5M	0.0%	0.00%
193	First Community Bank	18	$4.4M	0.0%	2.69%
194	American Momentum Bank	5	$4.3M	0.0%	0.00%
195	CCFBank National Association	1	$4.3M	0.0%	0.00%
196	Hometown Bank	2	$4.3M	0.0%	0.00%
197	The Shelby State Bank	6	$3.9M	0.0%	0.00%
198	Western State Bank	6	$3.9M	0.0%	0.00%
199	First Business Bank	7	$3.8M	0.0%	0.00%
200	HomeTrust Bank	3	$3.8M	0.0%	0.00%

The 200 largest shown, of 364 lenders with a record here.

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

By county

Rank	County	Lenders	Loans	Approved
1	Oakland	185	6,678	$2.42B
2	Wayne	164	5,572	$1.80B
3	Macomb	126	4,448	$1.18B
4	Kent	124	4,264	$1.05B
5	Ottawa	78	1,620	$490.3M
6	Washtenaw	93	1,106	$457.8M
7	Genesee	88	1,327	$426.9M
8	Kalamazoo	85	862	$299.8M
9	Ingham	87	905	$299.5M
10	Livingston	72	736	$294.4M
11	Grand Traverse	61	895	$278.0M
12	Berrien	56	548	$195.8M
13	Muskegon	49	633	$194.0M
14	Saginaw	52	543	$192.8M
15	Calhoun	59	344	$176.1M
16	Monroe	57	469	$164.1M
17	Jackson	62	390	$153.0M
18	Saint Clair	49	508	$152.7M
19	Allegan	54	558	$129.6M
20	Eaton	54	289	$115.7M
21	Van Buren	43	248	$105.9M
22	Lenawee	37	293	$95.5M
23	Marquette	31	255	$91.5M
24	Bay	41	250	$74.1M
25	Shiawassee	34	209	$71.7M
26	Clinton	35	240	$70.1M
27	Midland	26	200	$67.1M
28	Lapeer	43	222	$66.1M
29	Leelanau	24	140	$62.7M
30	Otsego	20	144	$53.8M
31	Emmet	22	202	$53.2M
32	Delta	22	105	$52.8M
33	Dickinson	21	88	$51.6M
34	Montcalm	31	191	$51.3M
35	Chippewa	16	209	$48.9M
36	Barry	30	178	$47.5M
37	Antrim	22	125	$46.1M
38	Cheboygan	17	69	$45.8M
39	Cass	26	162	$44.6M
40	Isabella	29	79	$42.5M
41	Ionia	33	172	$41.9M
42	Branch	30	110	$41.4M
43	Saint Joseph	38	110	$40.2M
44	Hillsdale	17	96	$38.5M
45	Mason	19	81	$36.2M
46	Menominee	17	81	$34.8M
47	Tuscola	19	76	$34.6M
48	Newaygo	24	144	$34.4M
49	Houghton	16	66	$33.5M
50	Wexford	21	93	$31.8M
51	Charlevoix	20	181	$31.0M
52	Mecosta	20	89	$27.8M
53	Roscommon	16	78	$26.8M
54	Alpena	13	66	$25.2M
55	Huron	13	52	$23.9M
56	Sanilac	11	62	$23.4M
57	Gratiot	14	84	$21.7M
58	Crawford	12	70	$21.3M
59	Ogemaw	15	56	$21.1M
60	Manistee	14	64	$20.2M
61	Kalkaska	18	86	$20.2M
62	Iosco	16	63	$19.6M
63	Osceola	16	75	$19.5M
64	Mackinac	11	30	$19.0M
65	Oceana	12	119	$18.8M
66	Gladwin	10	47	$17.7M
67	Baraga	9	28	$16.8M
68	Benzie	18	99	$15.9M
69	Gogebic	13	50	$15.3M
70	Clare	13	64	$12.7M
71	Arenac	12	55	$12.6M
72	Missaukee	7	54	$12.4M
73	Luce	8	18	$12.3M
74	Keweenaw	5	17	$10.4M
75	Schoolcraft	7	16	$10.0M
76	Alger	8	21	$9.2M
77	Iron	9	31	$8.8M
78	Presque Isle	8	16	$8.3M
79	Oscoda	5	31	$6.7M
80	Montmorency	6	17	$5.2M
81	Ontonagon	8	12	$3.9M
82	Lake	6	17	$3.6M
83	Alcona	5	11	$2.7M

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.