SBA lending by metro area
SBA lenders in Saginaw, MI
Which lenders fund Saginaw-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 Saginaw area
Ranked by SBA volume funded to businesses located in the Saginaw 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 | 250 | $37.5M | $150K | 1.60% |
| 2 | ChoiceOne Bank | 61 | $30.0M | $491K | 0.00% |
| 3 | Michigan Certified Development Corporation | 45 | $29.9M | $664K | not reported |
| 4 | Live Oak Banking Company | 12 | $19.9M | $1.7M | not reported |
| 5 | 1st State Bank | 50 | $14.5M | $290K | 0.00% |
| 6 | JPMorgan Chase Bank, National Association | 24 | $7.7M | $320K | 4.17% |
| 7 | Frankenmuth Credit Union | 8 | $5.0M | $626K | not reported |
| 8 | Wildfire CU | 11 | $3.5M | $317K | not reported |
| 9 | Fifth Third Bank | 8 | $2.0M | $245K | not reported |
| 10 | Isabella Bank | 6 | $1.9M | $318K | 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 Saginaw compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Saginaw area | $145K ▲ 15.9% | 9.3% ▲ 1.1 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Saginaw
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 91 | $54.0M |
| Manufacturing | 63 | $30.9M |
| Health Care and Social Assistance | 70 | $24.1M |
| Other Services | 54 | $17.4M |
| Retail Trade | 52 | $15.9M |
| Construction | 68 | $12.7M |
| Arts, Entertainment, Recreation | 14 | $11.4M |
| Administrative and Support | 22 | $11.0M |
SBA lending in Saginaw by year
Geography, precisely
"Saginaw area" here means the Saginaw, MI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Saginaw 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.