SBA 7(a) lenders in Oakland, MI

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

Lenders

185 institutions have SBA 7(a) loans on record in Oakland, together $2.42B across 6,678 loans. The Huntington National Bank is the largest, with 25% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Huntington National Bank	2,827	$612.8M	25.3%	2.15%
2	Fifth Third Bank	426	$187.9M	7.8%	0.87%
3	Live Oak Banking Company	93	$133.7M	5.5%	0.64%
4	ChoiceOne Bank	131	$95.3M	3.9%	0.00%
5	JPMorgan Chase Bank, National Association	643	$94.8M	3.9%	2.52%
6	Bank of Ann Arbor	123	$80.9M	3.3%	1.28%
7	First Merchants Bank	151	$74.5M	3.1%	4.28%
8	Oxford Bank	111	$64.7M	2.7%	0.00%
9	First Internet Bank of Indiana	38	$56.8M	2.4%	0.00%
10	Celtic Bank Corporation	109	$50.1M	2.1%	2.01%
11	Citizens Bank, National Association	264	$41.1M	1.7%	3.08%
12	Byline Bank	38	$37.1M	1.5%	3.42%
13	PNC Bank, National Association	151	$35.7M	1.5%	2.69%
14	Wells Fargo Bank National Association	63	$33.6M	1.4%	3.13%
15	Independent Bank	47	$32.5M	1.3%	0.00%
16	Newtek Small Business Finance, Inc.	49	$32.2M	1.3%	2.21%
17	Credit Union One	71	$31.7M	1.3%	0.22%
18	Waterford Bank, National Association	32	$31.0M	1.3%	0.00%
19	Newtek Bank, National Association	75	$29.8M	1.2%	0.00%
20	KeyBank National Association	65	$29.5M	1.2%	1.61%
21	Bank of America, National Association	56	$29.2M	1.2%	0.37%
22	Old National Bank	30	$24.5M	1.0%	0.00%
23	Readycap Lending, LLC	62	$22.7M	0.9%	2.24%
24	Shoreham Bank	9	$21.4M	0.9%	0.00%
25	United Midwest Savings Bank National Association	51	$19.0M	0.8%	2.54%
26	First State Bank	31	$17.5M	0.7%	0.00%
27	Community Choice CU	31	$16.3M	0.7%	0.00%
28	Bank Michigan	18	$13.7M	0.6%	0.00%
29	CIBC Bank USA	13	$13.2M	0.5%	0.00%
30	Horizon Bank	20	$12.9M	0.5%	0.00%
31	First Utah Bank	3	$12.3M	0.5%	0.00%
32	BayFirst National Bank	67	$12.1M	0.5%	9.69%
33	First Bank of Central Ohio	4	$11.5M	0.5%	0.00%
34	Northeast Bank	76	$11.1M	0.5%	6.94%
35	TowneBank	10	$10.9M	0.5%	0.00%
36	Beacon Bank and Trust	8	$10.6M	0.4%	0.00%
37	The Bancorp Bank National Association	12	$10.6M	0.4%	0.00%
38	First-Citizens Bank & Trust Company	6	$10.6M	0.4%	0.00%
39	Pima FCU	4	$10.5M	0.4%	0.00%
40	Huron Valley State Bank	55	$9.8M	0.4%	1.57%
41	US Eagle FCU	3	$9.7M	0.4%	0.00%
42	Genisys CU	14	$9.6M	0.4%	0.00%
43	Harvest Small Business Finance, LLC	9	$9.1M	0.4%	0.00%
44	Superior National Bank	13	$9.1M	0.4%	6.16%
45	Bank Five Nine	9	$8.9M	0.4%	0.00%
46	Pathward National Association	13	$7.9M	0.3%	0.59%
47	Flagstar Bank National Association	33	$7.6M	0.3%	0.00%
48	BankUnited, National Association	12	$7.1M	0.3%	8.79%
49	Citizens Bank	11	$7.0M	0.3%	3.43%
50	MI Bank	12	$7.0M	0.3%	0.00%
51	Stearns Bank National Association	27	$6.9M	0.3%	2.00%
52	Banc of California	11	$6.9M	0.3%	6.43%
53	IncredibleBank	8	$6.7M	0.3%	0.00%
54	U.S. Bank, National Association	18	$6.5M	0.3%	0.00%
55	United FCU	8	$6.5M	0.3%	0.00%
56	United Community Bank	5	$6.1M	0.3%	0.00%
57	Legence Bank	6	$6.0M	0.2%	0.00%
58	Gulf Coast Bank and Trust Company	6	$6.0M	0.2%	21.26%
59	Climate First Bank	2	$5.8M	0.2%	0.00%
60	GBank	2	$5.7M	0.2%	0.00%
61	Lake Trust CU	12	$5.4M	0.2%	0.00%
62	First Western SBLC, LLC	2	$5.4M	0.2%	0.00%
63	TD Bank, National Association	2	$5.3M	0.2%	0.00%
64	FinWise Bank	3	$5.1M	0.2%	6.51%
65	Happen Bank	5	$5.1M	0.2%	0.00%
66	Mechanics and Farmers Bank	2	$4.6M	0.2%	0.00%
67	Colony Bank	8	$4.3M	0.2%	2.18%
68	Capital Bank, National Association	3	$4.3M	0.2%	0.00%
69	Patriot Bank, National Association	2	$4.3M	0.2%	0.00%
70	First Bank of the Lake	11	$4.2M	0.2%	0.00%
71	Everwise Credit Union	2	$4.2M	0.2%	0.00%
72	22nd State Bank, A Division of 22nd State Banking Company	1	$4.2M	0.2%	0.00%
73	Farmers State Bank of Alto Pass, Illinois	3	$4.1M	0.2%	0.00%
74	Port 51 Lending LLC	2	$4.0M	0.2%	0.00%
75	Pinnacle Bank	1	$4.0M	0.2%	0.00%
76	DFCU Financial	6	$4.0M	0.2%	0.00%
77	HomeTrust Bank	3	$3.8M	0.2%	0.00%
78	Michigan Schools and Government Credit Union	17	$3.7M	0.2%	0.00%
79	Five Star Bank	14	$3.5M	0.1%	0.00%
80	First National Bank of Pennsylvania	6	$3.3M	0.1%	0.00%
81	Hometown Bank	1	$3.2M	0.1%	0.00%
82	Grasshopper Bank National Association	3	$3.0M	0.1%	0.00%
83	Centerstone SBA Lending, Inc.	1	$3.0M	0.1%	0.00%
84	LAF CU	4	$2.9M	0.1%	0.00%
85	Nicolet National Bank	7	$2.6M	0.1%	0.00%
86	Team One CU	4	$2.5M	0.1%	0.00%
87	Lendistry SBLC, LLC	8	$2.5M	0.1%	0.00%
88	Merchants Bank of Indiana	2	$2.5M	0.1%	0.00%
89	MVB Bank, Inc.	3	$2.3M	0.1%	0.00%
90	First Financial Bank	1	$2.3M	0.1%	0.00%
91	Paragon Bank	3	$2.2M	0.1%	0.00%
92	Michigan State University Federal Credit Union	13	$2.2M	0.1%	0.00%
93	Truist Bank	1	$2.0M	0.1%	0.00%
94	University Bank	8	$1.9M	0.1%	0.00%
95	CRF Small Business Loan Company, LLC	6	$1.9M	0.1%	0.00%
96	Renasant Bank	1	$1.8M	0.1%	0.00%
97	Business Loan Center, LLC	3	$1.8M	0.1%	0.00%
98	Columbia Bank	4	$1.8M	0.1%	0.00%
99	CDC Small Business Finance Corp.	16	$1.7M	0.1%	21.87%
100	Milestone Bank	3	$1.6M	0.1%	0.00%
101	Mission Valley Bank	1	$1.5M	0.1%	0.00%
102	American Momentum Bank	2	$1.4M	0.1%	0.00%
103	Simmons Bank	4	$1.4M	0.1%	8.66%
104	Federal Deposit Insurance Corporation	2	$1.4M	0.1%	0.00%
105	First Horizon Bank	1	$1.3M	0.1%	0.00%
106	Fund-Ex Solutions Group, LLC	1	$1.3M	0.1%	0.00%
107	UniBank	1	$1.3M	0.1%	0.00%
108	VelocitySBA, LLC	38	$1.2M	0.1%	10.63%
109	American Bank, National Association	1	$1.2M	0.1%	0.00%
110	Banesco USA	2	$1.2M	0.0%	0.00%
111	Hanmi Bank	3	$1.1M	0.0%	0.00%
112	Fountainhead SBF LLC	1	$1.1M	0.0%	0.00%
113	Northwest Bank	1	$1.1M	0.0%	0.00%
114	Omni Community Credit Union	2	$1.1M	0.0%	0.00%
115	The Farmers and Merchants State Bank	1	$1.1M	0.0%	0.00%
116	FDIC - Community Bank & Trust-West Georgia	1	$1.0M	0.0%	0.00%
117	America First Federal Credit Union	2	$1.0M	0.0%	0.00%
118	PCB Bank	1	$1.0M	0.0%	0.00%
119	Unity Bank	1	$1.0M	0.0%	0.00%
120	Coastal States Bank	1	$995K	0.0%	0.00%
121	Falcon National Bank	1	$988K	0.0%	87.89%
122	Millennium Bank	1	$975K	0.0%	0.00%
123	Wilmington Savings Fund Society FSB	3	$892K	0.0%	0.00%
124	Capital Community Bank	1	$887K	0.0%	0.00%
125	Primis Bank	1	$855K	0.0%	0.00%
126	Alliance Catholic CU	2	$813K	0.0%	0.00%
127	Capital One National Association	15	$775K	0.0%	34.23%
128	Ameris Bank	2	$756K	0.0%	0.00%
129	National Cooperative Bank, National Association	1	$750K	0.0%	0.00%
130	First Bank	2	$692K	0.0%	40.37%
131	Hanover Community Bank	1	$680K	0.0%	0.00%
132	4Front Credit Union	2	$678K	0.0%	0.00%
133	Independence Bank	7	$675K	0.0%	25.99%
134	Community Unity Bank	1	$671K	0.0%	0.00%
135	WesBanco Bank, Inc.	1	$665K	0.0%	0.00%
136	Christian Financial CU	2	$650K	0.0%	0.00%
137	Evolve Bank and Trust	1	$628K	0.0%	0.00%
138	Peoples Bank	1	$606K	0.0%	0.00%
139	CenTrust Bank, A Division of SmartBiz Bank National Association	4	$600K	0.0%	0.00%
140	ConnectOne Bank	1	$597K	0.0%	0.00%
141	Truliant FCU	1	$584K	0.0%	0.00%
142	LaSalle Bank Midwest N.A.	1	$568K	0.0%	0.00%
143	1st Source Bank	4	$557K	0.0%	0.00%
144	Mercantile Bank	2	$533K	0.0%	56.57%
145	ACC Capital	1	$527K	0.0%	0.00%
146	Magnifi Financial CU	2	$516K	0.0%	0.00%
147	First Independence Bank	3	$501K	0.0%	0.00%
148	Michigan Certified Development Corporation	3	$492K	0.0%	0.00%
149	Chelsea State Bank	2	$489K	0.0%	0.00%
150	West Central Development Corporation	4	$485K	0.0%	7.94%
151	Lake Michigan CU	1	$480K	0.0%	0.00%
152	Opportunity Resource Fund	2	$465K	0.0%	46.87%
153	First Commonwealth Bank	1	$460K	0.0%	0.00%
154	The State Bank and Trust Company	1	$452K	0.0%	0.00%
155	Michigan Heritage Bank	1	$450K	0.0%	0.00%
156	Heritage Bank Inc	3	$450K	0.0%	0.00%
157	Dort Financial CU	2	$422K	0.0%	0.00%
158	County National Bank	1	$400K	0.0%	0.00%
159	Tri-County Bank	1	$395K	0.0%	0.00%
160	Security CU	1	$350K	0.0%	0.00%
161	Metro Community Development, Inc.	2	$340K	0.0%	54.56%
162	Titan Bank, National Association	1	$325K	0.0%	0.00%
163	True Community CU	1	$321K	0.0%	0.00%
164	Northstar Bank	2	$300K	0.0%	0.00%
165	Consumers Credit Union	1	$300K	0.0%	0.00%
166	First Bank	1	$292K	0.0%	0.00%
167	Enterprise Bank & Trust	1	$260K	0.0%	0.00%
168	Seacoast National Bank	3	$255K	0.0%	15.76%
169	PromiseOne Bank	1	$240K	0.0%	0.00%
170	SouthState Bank, National Association	1	$202K	0.0%	0.00%
171	Detroit Development Fund	1	$187K	0.0%	0.00%
172	Michigan First Credit Union	2	$185K	0.0%	27.45%
173	OUR CU	1	$180K	0.0%	0.00%
174	Bankwell Bank	1	$150K	0.0%	0.00%
175	Commonwealth Business Bank	1	$150K	0.0%	0.00%
176	Telhio Credit Union Inc	1	$150K	0.0%	0.00%
177	Capitol National Bank	1	$150K	0.0%	0.00%
178	Carver State Bank	1	$129K	0.0%	0.00%
179	Wildfire Credit Union	1	$108K	0.0%	0.00%
180	Small Business Bank	1	$101K	0.0%	0.00%
181	Eastern Michigan Bank	1	$88K	0.0%	0.00%
182	Stone Bank	1	$75K	0.0%	0.00%
183	Orsa Credit Union	1	$73K	0.0%	0.00%
184	Bank of Hope	3	$50K	0.0%	93.50%
185	SoFi Bank, National Association	1	$25K	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	Accommodation & food services	826	$372.8M	15.4%
2	Health care & social assistance	726	$305.5M	12.6%
3	Professional & technical services	861	$238.2M	9.9%
4	Retail trade	482	$221.9M	9.2%
5	Other services	591	$188.2M	7.8%
6	Manufacturing	290	$177.8M	7.4%
7	Construction	549	$140.0M	5.8%
8	Administrative & waste services	340	$123.8M	5.1%
9	Wholesale trade	297	$117.2M	4.8%
10	Arts, entertainment & recreation	273	$98.2M	4.1%
11	Real estate & leasing	140	$77.2M	3.2%
12	Finance & insurance	146	$68.1M	2.8%
13	Transportation & warehousing	476	$65.9M	2.7%
14	Manufacturing	105	$65.0M	2.7%
15	Retail trade	254	$61.7M	2.6%
16	Educational services	118	$33.6M	1.4%
17	Information	80	$22.9M	0.9%
18	Manufacturing	81	$19.7M	0.8%
19	Transportation & warehousing	19	$12.2M	0.5%
20	Mining & extraction	5	$3.1M	0.1%
21	Management of companies	5	$2.3M	0.1%
22	Agriculture, forestry & fishing	13	$2.3M	0.1%
23	Utilities	1	$15K	0.0%

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.