--- title: Construction Lenders in Michigan: 171 Hold These Loans url: https://lender.report/construction-lenders/michigan/ license: https://lender.report/license/ --- Construction ยท MI # Construction lenders in Michigan 171 lenders with an office in Michigan hold construction and land loans on their books. Mercantile Bank, based in Michigan, holds the largest book among those based here, at $407.2M. **Evidence** Lender holds construction and land loans on its books at the latest filing and has an office in Michigan **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 171 FDIC call report, Jun 30, 2026 **Based here** 137 FDIC call report, Jun 30, 2026 **Held by those based here** $3.79B FDIC call report, Jun 30, 2026 +8.1% from a year earlier **Median book, based here** $6.27M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Construction lenders in Michigan, https://lender.report/construction-lenders/michigan/, data as of June 30, 2026. ## Describe a deal in Michigan See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show construction loans in Michigan](https://lender.report/comps/?lane=construction&state=MI)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Mercantile Bank](https://lender.report/lender/mercantile-bank-mi/) | Bank | Grand Rapids, MI | 41 | $407M | | | [Lake Michigan Credit Union](https://lender.report/lender/lake-michigan-credit-union-mi/) | Credit union | Grand Rapids, MI | 57 | $282M | +17.0% | | [Independent Bank](https://lender.report/lender/independent-bank-mi/) | Bank | Grand Rapids, MI | 59 | $249M | | | [First National Bank of America](https://lender.report/lender/first-national-bank-of-america-mi/) | Bank | East Lansing, MI | 3 | $242M | +38.3% | | [The Dart Bank](https://lender.report/lender/dart-bank-mi/) | Bank | Mason, MI | 4 | $137M | +0.1% | | [Isabella Bank](https://lender.report/lender/isabella-bank-mi/) | Bank | Mount Pleasant, MI | 32 | $133M | +55.4% | | [Northpointe Bank](https://lender.report/lender/northpointe-bank-mi/) | Bank | Grand Rapids, MI | 1 | $121M | | | [Bank of Ann Arbor](https://lender.report/lender/bank-of-ann-arbor-mi/) | Bank | Ann Arbor, MI | 18 | $120M | | | [County National Bank](https://lender.report/lender/county-national-bank-mi/) | Bank | Hillsdale, MI | 15 | $102M | +9.6% | | [ChoiceOne Bank](https://lender.report/lender/choiceone-bank-mi/) | Bank | Sparta, MI | 50 | $102M | | | [Genisys Credit Union](https://lender.report/lender/genisys-credit-union-mi/) | Credit union | Auburn Hills, MI | 31 | $97.0M | +30.8% | | [Dfcu Financial Credit Union](https://lender.report/lender/dfcu-financial-credit-union-mi/) | Credit union | Dearborn, MI | 30 | $92.3M | +91.4% | | [Michigan State University Credit Union](https://lender.report/lender/michigan-state-university-credit-union-mi/) | Credit union | East Lansing, MI | 27 | $83.6M | | | [Macatawa Bank, National Association](https://lender.report/lender/macatawa-bank-mi/) | Bank | Holland, MI | 28 | $79.5M | +114.0% | | [Dort Financial Credit Union](https://lender.report/lender/dort-financial-credit-union-mi/) | Credit union | Grand Blanc, MI | 15 | $77.1M | +31.6% | | [First State Bank](https://lender.report/lender/first-state-bank-mi/) | Bank | Eastpointe, MI | 11 | $63.6M | +37.3% | | [West Michigan Community Bank](https://lender.report/lender/west-michigan-community-bank-mi/) | Bank | Hudsonville, MI | 8 | $60.8M | +16.6% | | [United Bank of Michigan](https://lender.report/lender/united-bank-of-michigan-mi/) | Bank | Grand Rapids, MI | 13 | $57.1M | +5.6% | | [ORSA Credit Union](https://lender.report/lender/orsa-credit-union-mi/) | Credit union | Plymouth, MI | 14 | $55.3M | +32.7% | | [Sturgis Bank & Trust Company](https://lender.report/lender/sturgis-bank-and-trust-mi/) | Bank | Sturgis, MI | 17 | $49.3M | +19.5% | FDIC call report, Jun 30, 2026 [See all 171 construction lenders in Michigan in Loan Comps](https://lender.report/comps/?lane=construction&state=MI) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 171 | $18.8B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 1 | $12.5B | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 72 | $9.68B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 259 | $7.97B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 435 | $5.32B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 124 | $5.26B | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Bank | Providence, RI | 65 | $4.75B | | [KeyBank National Association](https://lender.report/lender/keybank-oh/) | Bank | Cleveland, OH | 19 | $2.90B | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) | Bank | Evansville, IN | 20 | $2.45B | | [CIBC Bank USA](https://lender.report/lender/cibc-bank-usa-il/) | Bank | Chicago, IL | 1 | $2.12B | FDIC call report, Jun 30, 2026 - 137 of these lenders are based in Michigan, and 34 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 90 banks, 3 savings institutions and 78 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Michigan hold $3.8B of construction and land loans, up 8.1% from a year earlier. FDIC call report, Jun 30, 2026 - The five largest books based here hold 34.8% of that total. FDIC call report, Jun 30, 2026 - Mercantile Bank holds $407.2M, and Lake Michigan Credit Union holds $282M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Michigan is $6.3M. FDIC call report, Jun 30, 2026 - 67 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 10 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 2,909 offices in Michigan. FDIC office list, Oct 28, 2026 - The Huntington National Bank, based in Ohio, lists the most offices here among out-of-state lenders, at 435. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $502K. NCUA 5300, Jun 30, 2026 - Consumers Credit Union grew this book the most in the year, up 165.5% to $45.6M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** construction and land loans held by lenders with an office in Michigan **Period** June 30, 2026 **Formula** The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Michigan. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Michigan. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.