SBA 7(a) lenders in Montcalm, MI

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

31 institutions have SBA 7(a) loans on record in Montcalm, together $51.3M across 191 loans. The Huntington National Bank is the largest, with 31% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Huntington National Bank	121	$16.1M	31.4%	2.44%
2	Fifth Third Bank	6	$6.4M	12.4%	0.00%
3	Live Oak Banking Company	4	$5.0M	9.8%	0.00%
4	Isabella Bank	12	$4.6M	9.0%	2.12%
5	United Bank of Michigan	1	$2.8M	5.4%	0.00%
6	Huron Community Bank	3	$2.4M	4.7%	0.00%
7	Commercial Bank	10	$2.2M	4.2%	0.00%
8	Horizon Bank	2	$1.7M	3.2%	0.00%
9	First Internet Bank of Indiana	1	$1.6M	3.1%	0.00%
10	Everwise Credit Union	1	$1.3M	2.6%	0.00%
11	Byline Bank	5	$992K	1.9%	0.00%
12	Citizens Bank, National Association	2	$874K	1.7%	0.00%
13	PNC Bank, National Association	1	$653K	1.3%	0.00%
14	Centerstone SBA Lending, Inc.	1	$645K	1.3%	0.00%
15	First Chicago Bank & Trust	1	$600K	1.2%	0.00%
16	Evolve Bank and Trust	1	$516K	1.0%	0.00%
17	Pathward National Association	1	$415K	0.8%	0.00%
18	JPMorgan Chase Bank, National Association	2	$400K	0.8%	0.00%
19	Lake Trust CU	2	$395K	0.8%	0.00%
20	First National Bank of Michigan	2	$374K	0.7%	0.00%
21	ChoiceOne Bank	1	$355K	0.7%	0.00%
22	Florida Capital Bank, National Association	1	$300K	0.6%	0.00%
23	4Front Credit Union	1	$250K	0.5%	0.00%
24	LAF CU	1	$209K	0.4%	0.00%
25	Navy FCU	1	$80K	0.2%	0.00%
26	Northeast Bank	1	$50K	0.1%	0.00%
27	Mercantile Bank	1	$50K	0.1%	0.00%
28	Wells Fargo Bank National Association	1	$44K	0.1%	0.00%
29	Bank of America, National Association	1	$42K	0.1%	0.00%
30	Celtic Bank Corporation	1	$25K	0.0%	0.00%
31	VelocitySBA, LLC	2	$15K	0.0%	0.00%

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.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Retail trade	22	$13.8M	26.9%
2	Other services	27	$5.9M	11.6%
3	Manufacturing	23	$5.8M	11.3%
4	Professional & technical services	10	$5.8M	11.3%
5	Accommodation & food services	16	$4.7M	9.2%
6	Finance & insurance	4	$4.3M	8.3%
7	Manufacturing	6	$2.1M	4.1%
8	Construction	20	$1.8M	3.6%
9	Arts, entertainment & recreation	8	$1.7M	3.4%
10	Health care & social assistance	8	$1.4M	2.7%
11	Administrative & waste services	9	$1.4M	2.6%
12	Transportation & warehousing	18	$1.1M	2.1%
13	Retail trade	11	$945K	1.8%
14	Agriculture, forestry & fishing	2	$234K	0.5%
15	Wholesale trade	3	$200K	0.4%
16	Educational services	2	$85K	0.2%
17	Manufacturing	2	$60K	0.1%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

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.