SBA lending by metro area
SBA lenders in Owosso, MI
Which lenders fund Owosso-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 Owosso area
Ranked by SBA volume funded to businesses located in the Owosso micropolitan 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 | 91 | $15.5M | $171K | 0.00% |
| 2 | Live Oak Banking Company | 11 | $12.5M | $1.1M | not reported |
| 3 | Michigan Certified Development Corporation | 19 | $9.8M | $515K | not reported |
| 4 | ChoiceOne Bank | 17 | $9.4M | $552K | not reported |
| 5 | Fifth Third Bank | 10 | $4.2M | $420K | not reported |
| 6 | Capitol National Bank | 5 | $3.9M | $770K | not reported |
| 7 | Northeast Bank | 6 | $989K | $165K | not reported |
| 8 | Michigan State University Federal Credit Union | 6 | $920K | $153K | not reported |
| 9 | Horizon Bank | 7 | $702K | $100K | not reported |
| 10 | JPMorgan Chase Bank, National Association | 8 | $661K | $83K | 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 Owosso compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Owosso area | $139K ▲ 11.4% | 10.0% ▲ 1.8 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Owosso
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 37 | $18.0M |
| Transportation and Warehousing | 26 | $9.9M |
| Manufacturing | 17 | $9.9M |
| Accommodation and Food Services | 23 | $9.3M |
| Other Services | 23 | $9.2M |
| Construction | 32 | $7.4M |
| Health Care and Social Assistance | 25 | $7.2M |
| Real Estate | 8 | $3.5M |
SBA lending in Owosso by year
Geography, precisely
"Owosso area" here means the Owosso, MI micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Shiawassee 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.