SBA lending by metro area
SBA lenders in Midland, MI
Which lenders fund Midland-area businesses, how much, and how the market compares with Michigan: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Midland area
Ranked by SBA volume funded to businesses located in the Midland metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 90 | $19.1M | $212K | 3.33% |
| 2 | 1st State Bank | 18 | $13.8M | $765K | not reported |
| 3 | Michigan Certified Development Corporation | 18 | $8.1M | $450K | not reported |
| 4 | Horizon Bank | 11 | $5.2M | $468K | not reported |
| 5 | Isabella Bank | 10 | $4.8M | $477K | not reported |
| 6 | Byline Bank | 5 | $2.9M | $573K | not reported |
| 7 | ChoiceOne Bank | 7 | $2.6M | $369K | not reported |
| 8 | Fifth Third Bank | 7 | $2.0M | $279K | not reported |
| 9 | Wildfire CU | 6 | $1.1M | $177K | not reported |
| 10 | PNC Bank, National Association | 6 | $710K | $118K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Midland compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Midland area | $168K ▲ 34.0% | 9.7% ▲ 1.5 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Midland
| Industry | Loans | Total funded |
|---|---|---|
| Construction | 32 | $14.9M |
| Health Care and Social Assistance | 21 | $13.3M |
| Accommodation and Food Services | 34 | $10.1M |
| Professional and Technical Services | 11 | $5.2M |
| Other Services | 19 | $4.1M |
| Retail Trade | 24 | $4.0M |
| Administrative and Support | 14 | $3.7M |
| Arts, Entertainment, Recreation | 11 | $3.2M |
SBA lending in Midland by year
Geography, precisely
"Midland area" here means the Midland, MI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Midland County, MI. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.