Small-Balance CRE · MI
Small-Balance CRE lenders in Michigan
118 lenders with an office in Michigan hold small-balance commercial real estate loans on their books. Community Choice Credit Union, based in Michigan, holds the largest book among those based here, at $241.1M.
- Evidence
- Lender has a small-balance commercial real estate book (banks: 40% or more of it in loans of $1M or less; credit unions: an average non-owner-occupied loan of $1M or less) and has an office in Michigan
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 118
- FDIC call report,
- Based here
- 113
- FDIC call report,
- Held by those based here
- $3.41B
- FDIC call report,
- +19.3% from a year earlier, 78 of 113 lenders
- Median book, based here
- $15.7M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Michigan, https://lender.report/small-balance-cre-lenders/michigan/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Community Choice Credit Union | Credit union | Farmington Hills, MI | 23 | $241M | +25.2% |
| Michigan Schools and Government Credit Union | Credit union | Clinton Township, MI | 24 | $197M | +37.9% |
| Financial Plus Credit Union | Credit union | Flint, MI | 13 | $133M | +16.7% |
| ELGA Credit Union | Credit union | Grand Blanc, MI | 17 | $112M | +367.0% |
| United Credit Union | Credit union | St Joseph, MI | 17 | $111M | +36.4% |
| First Bank, Upper Michigan | Bank | Gladstone, MI | 8 | $99.3M | |
| State Savings Bank | Bank | Frankfort, MI | 9 | $91.3M | |
| Team One Credit Union | Credit union | Saginaw, MI | 12 | $90.7M | +1.7% |
| First Community Bank | Bank | Harbor Springs, MI | 10 | $87.5M | |
| VIBE Credit Union | Credit union | Novi, MI | 16 | $87.0M | +33.1% |
| Superior National Bank | Bank | Hancock, MI | 10 | $85.8M | |
| Sturgis Bank & Trust Company | Bank | Sturgis, MI | 17 | $85.0M | |
| Alliance Catholic Credit Union | Credit union | Farmington Hills, MI | 13 | $76.1M | +20.3% |
| 1st State Bank | Bank | Saginaw, MI | 5 | $73.6M | |
| Honor Bank | Bank | Honor, MI | 9 | $67.0M | |
| Central Savings Bank | Bank | Sault Sainte Marie, MI | 9 | $65.6M | |
| Upper Peninsula State Bank | Bank | Escanaba, MI | 5 | $62.9M | |
| Commercial Bank | Bank | Ithaca, MI | 11 | $62.5M | |
| Christian Financial Credit Union | Credit union | Sterling Heights, MI | 13 | $62.1M | +39.4% |
| Omni Community Credit Union | Credit union | Battle Creek, MI | 12 | $55.8M | +16.7% |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Credit Union 1 | Credit union | Lombard, IL | 7 | $738M |
| Covantage Credit Union | Credit union | Antigo, WI | 3 | $472M |
| Directions Credit Union | Credit union | Toledo, OH | 3 | $25.8M |
| Selfreliance Credit Union | Credit union | Chicago, IL | 3 | $18.0M |
| Priority Credit Union | Credit union | Orlando, FL | 1 | $2.19M |
- 113 of these lenders are based in Michigan, and 5 are based elsewhere with offices here. FDIC call report,
- These lenders: 32 banks, 3 savings institutions and 83 credit unions. FDIC call report,
- Lenders based in Michigan hold $3.4B of small-balance commercial real estate loans, up 19.3% from a year earlier among the 78 of 113 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 23.3% of that total. FDIC call report,
- Community Choice Credit Union holds $241.1M, and Michigan Schools and Government Credit Union holds $197.4M. FDIC call report,
- The median book among lenders based in Michigan is $15.7M. FDIC call report,
- 35 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 5 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 906 offices in Michigan. FDIC office list,
- Credit Union 1, based in Illinois, lists the most offices here among out-of-state lenders, at 7. FDIC office list,
- Among credit unions here, the median average loan in this category is $254K. NCUA 5300,
- ELGA Credit Union grew this book the most in the year, up 367.0% to $112.5M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Michigan
- Period
- June 30, 2026
- Formula
- The balance of small-balance 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
- Changelog
- : First published, with the data built on this date.
For banks the book shown is nonfarm nonresidential loans of $1M or less. For credit unions it is the non-owner-occupied commercial real estate book, where the average loan is $1M or less.
Small-balance commercial real estate means loans of about $1M or less. A lender with many of them often works with smaller borrowers.
This is a rule of thumb on public filings. It is not a statement from any lender about what it will lend on.
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 has a small-balance commercial real estate book (banks: 40% or more of it in loans of $1M or less; credit unions: an average non-owner-occupied loan of $1M or less) 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
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.