--- title: Owner-Occupied CRE Lenders in Michigan: 208 Hold These Loans url: https://lender.report/owner-occupied-cre-lenders/michigan/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท MI # Owner-Occupied CRE lenders in Michigan 208 lenders with an office in Michigan hold owner-occupied commercial real estate loans on their books. Mercantile Bank, based in Michigan, holds the largest book among those based here, at $696.1M. **Evidence** Lender holds owner-occupied commercial real estate 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** 208 FDIC call report, Jun 30, 2026 **Based here** 169 FDIC call report, Jun 30, 2026 **Held by those based here** $11.6B FDIC call report, Jun 30, 2026 +9.1% from a year earlier **Median book, based here** $19.3M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in Michigan, https://lender.report/owner-occupied-cre-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 owner-occupied CRE loans in Michigan](https://lender.report/comps/?lane=cre_owner&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 | $696M | +1.3% | | [Independent Bank](https://lender.report/lender/independent-bank-mi/) | Bank | Grand Rapids, MI | 59 | $671M | +15.4% | | [ChoiceOne Bank](https://lender.report/lender/choiceone-bank-mi/) | Bank | Sparta, MI | 50 | $590M | +9.5% | | [Dfcu Financial Credit Union](https://lender.report/lender/dfcu-financial-credit-union-mi/) | Credit union | Dearborn, MI | 30 | $495M | +32.7% | | [Bank of Ann Arbor](https://lender.report/lender/bank-of-ann-arbor-mi/) | Bank | Ann Arbor, MI | 18 | $385M | | | [Lake Michigan Credit Union](https://lender.report/lender/lake-michigan-credit-union-mi/) | Credit union | Grand Rapids, MI | 57 | $371M | +0.9% | | [West Michigan Community Bank](https://lender.report/lender/west-michigan-community-bank-mi/) | Bank | Hudsonville, MI | 8 | $298M | +15.4% | | [Northstar Bank](https://lender.report/lender/northstar-bank-mi/) | Bank | Bad Axe, MI | 11 | $262M | +32.0% | | [Dort Financial Credit Union](https://lender.report/lender/dort-financial-credit-union-mi/) | Credit union | Grand Blanc, MI | 15 | $246M | | | [Oxford Bank](https://lender.report/lender/oxford-bank-mi/) | Bank | Oxford, MI | 9 | $245M | +1.3% | | [County National Bank](https://lender.report/lender/county-national-bank-mi/) | Bank | Hillsdale, MI | 15 | $228M | +0.9% | | [Tri-County Bank](https://lender.report/lender/tri-county-bank-mi/) | Bank | Brown City, MI | 12 | $215M | +37.4% | | [Macatawa Bank, National Association](https://lender.report/lender/macatawa-bank-mi/) | Bank | Holland, MI | 28 | $212M | | | [Michigan State University Credit Union](https://lender.report/lender/michigan-state-university-credit-union-mi/) | Credit union | East Lansing, MI | 27 | $208M | | | [Genisys Credit Union](https://lender.report/lender/genisys-credit-union-mi/) | Credit union | Auburn Hills, MI | 31 | $205M | | | [First State Bank](https://lender.report/lender/first-state-bank-mi/) | Bank | Eastpointe, MI | 11 | $198M | +14.7% | | [United Credit Union](https://lender.report/lender/united-credit-union-mi/) | Credit union | St Joseph, MI | 17 | $191M | +23.3% | | [Southern Michigan Bank & Trust](https://lender.report/lender/southern-michigan-bank-and-trust-mi/) | Bank | Coldwater, MI | 21 | $189M | +33.1% | | [Isabella Bank](https://lender.report/lender/isabella-bank-mi/) | Bank | Mount Pleasant, MI | 32 | $187M | +3.2% | | [West Shore Bank](https://lender.report/lender/west-shore-bank-mi/) | Bank | Ludington, MI | 9 | $182M | +5.0% | FDIC call report, Jun 30, 2026 [See all 208 owner-occupied CRE lenders in Michigan in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=MI) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 72 | $24.7B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 1 | $17.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 171 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 435 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 259 | $12.0B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 124 | $10.4B | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) | Bank | Evansville, IN | 20 | $5.97B | | [CIBC Bank USA](https://lender.report/lender/cibc-bank-usa-il/) | Bank | Chicago, IL | 1 | $4.44B | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Bank | Providence, RI | 65 | $4.00B | | [WesBanco Bank, Inc.](https://lender.report/lender/wesbanco-bank-wv/) | Bank | Wheeling, WV | 5 | $3.05B | FDIC call report, Jun 30, 2026 - 169 of these lenders are based in Michigan, and 39 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 92 banks, 3 savings institutions and 113 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Michigan hold $11.6B of owner-occupied commercial real estate loans, up 9.1% from a year earlier. FDIC call report, Jun 30, 2026 - The five largest books based here hold 24.5% of that total. FDIC call report, Jun 30, 2026 - Mercantile Bank holds $696.1M, and Independent Bank holds $671.1M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Michigan is $19.3M. FDIC call report, Jun 30, 2026 - 66 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 36 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 3,072 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 $280K. NCUA 5300, Jun 30, 2026 - ELGA Credit Union grew this book the most in the year, up 151.4% to $168.2M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in Michigan **Period** June 30, 2026 **Formula** The balance of owner-occupied commercial real estate 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. Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan. 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 owner-occupied commercial real estate 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.