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Lender record

ChoiceOne Bank

The real lending record — every figure from funded deals. HQ: 109 E Division St, Sparta, MI. 51 branches.

462

Recent deals (FY20+)

$350K

Typical deal

22 days

Approval → funding

0%

Failure rate (FY20–23)

Where ChoiceOne Bank lends

Deals ChoiceOne Bank funded — list all 462 as text

Deal profile

Most ChoiceOne Bank deals land between $150K and $750K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Electrical Contractors and Other Wiring Installation Contrac (20)
  2. 2.Limited-Service Restaurants (18)
  3. 3.Full-Service Restaurants (15)
  4. 4.General Automotive Repair (12)
  5. 5.Plumbing, Heating, and Air-Conditioning Contractors (12)
  6. 6.Nursing Care Facilities (Skilled Nursing Facilities) (11)
  7. 7.Power and Communication Line and Related Structures Construc (11)
  8. 8.Offices of Physicians (except Mental Health Specialists) (10)

Most active states

  1. 1.Michigan (454 deals)
  2. 2.Ohio (8 deals)

Franchises they finance most

Little Caesars

5 deals

Ace Hardware

4 deals

Crumbl

3 deals

The Learning Experience

3 deals

Servpro

2 deals

Can ChoiceOne Bank fund you? The bank behind the loans

Total assets

$4.4B

▼ 0.4% vs prior quarter

Deposits on hand

$3.7B

▲ 1.9% vs prior quarter

Loans outstanding

$3.0B

▼ 1.2% vs prior quarter

Net income (latest qtr)

$14.3M

  • •An active SBA program (~0.5% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes ChoiceOne Bank more SBA-focused than 66% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.3% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a ChoiceOne Bank branch (51)

Choiceone BankMain office109 E Division StSparta, MI 49345 · since 1898

Capac Branch206 N Main StCapac, MI 48014 · since 1898

Grant Branch10 W Main StGrant, MI 49327 · since 1906

Kent City Branch450 W Muskegon StKent City, MI 49330 · since 1907

Montrose Branch201 W State StMontrose, MI 48457 · since 1912

Coopersville Branch661 W Randall StCoopersville, MI 49404 · since 1923

Community State Branch207 S Saginaw StSaint Charles, MI 48655 · since 1941

Linden Branch107 North Main StreetLinden, MI 48451 · since 1954

Thomas Twp. Branch7590 Gratiot RdSaginaw, MI 48609 · since 1962

Yale Branch3 N Main StYale, MI 48097 · since 1965

Elba Branch5508 Davison RdLapeer, MI 48446 · since 1965

Southgate Branch637 S Main StLapeer, MI 48446 · since 1970

Chesaning Township Branch12771 Brady RdChesaning, MI 48616 · since 1978

Ravenna Branch3069 S Slocum RdRavenna, MI 49451 · since 1979

Attica Branch4515 Imlay City RdAttica, MI 48412 · since 1979

Egelston Branch5475 E Apple AveMuskegon, MI 49442 · since 1982

Grange Hall Road Branch4043 Grange Hall RoadVillage Of Holly, MI 48442 · since 1987

Newaygo Branch246 W River Valley DrNewaygo, MI 49337 · since 1989

Metamora Branch950 W Dryden RdMetamora, MI 48455 · since 1989

Appletree Branch416 West Division StreetSparta, MI 49345 · since 1990

Stockbridge Branch5101 S M 106Stockbridge, MI 49285 · since 1990

Deerfield Branch30 West Burnside Road (m-24)Fostoria, MI 48435 · since 1993

Memphis Branch81111 Main StMemphis, MI 48041 · since 1995

Grass Lake Branch12005 E Michigan AveGrass Lake, MI 49240 · since 1995

Cedar Springs Branch4170 17 Mile Rd NeCedar Springs, MI 49319 · since 1996

Silver Parkway Branch18005 Silver PkwyFenton, MI 48430 · since 1996

Armada Branch72890 North AveArmada, MI 48005 · since 1996

Alpine Branch5050 Alpine Ave NwComstock Park, MI 49321 · since 1998

Imlay City Branch1875 S Cedar StImlay City, MI 48444 · since 1999

Fenton Mi Loan Facility101 N Leroy StFenton, MI 48430 · since 1999 · limited service

Saginaw St. Grand Blanc7606 S Saginaw StGrand Blanc, MI 48439 · since 2001

Northstar Cinema Atm Branch11699 Northland Dr NeRockford, MI 49341 · since 2001 · limited service

Fremont Branch1423 W Main StFremont, MI 49412 · since 2002

15095 Silver Parkway Branch15095 Silver PkwyFenton, MI 48430 · since 2002

Birch Run Branch8412 Main StBirch Run, MI 48415 · since 2003

Grand Blanc North Branch1401 E Hill RdGrand Blanc, MI 48439 · since 2006

Harvey Street Branch5797 Harvey StMuskegon, MI 49444 · since 2006

New Lothrop Branch9380 Genesee StNew Lothrop, MI 48460 · since 2006

North Muskegon Branch180 N Causeway StNorth Muskegon, MI 49445 · since 2007

Grand Haven Branch1120 S Beacon BlvdGrand Haven, MI 49417 · since 2007

Brighton Branch134 N 1st StBrighton, MI 48116 · since 2008

Almont Branch5515 Van Dyke RdAlmont, MI 48003 · since 2008

Grand Rapids - Market330 Market Ave SwGrand Rapids, MI 49503 · since 2018

Rockford - Division Office590 E Division StRockford, MI 49341 · since 2018

Norton Shores Branch1030 W Norton AveMuskegon, MI 49441 · since 2020

Lapeer Branch83 W Nepessing StLapeer, MI 48446 · since 2020

Farmington Hills Branch31000 Northwestern HwyFarmington Hills, MI 48334 · since 2021

Saginaw Branch218 S Washington AveSaginaw, MI 48607 · since 2021

Fsb Of Munith Mo Branch201 N Main StMunith, MI 49259 · since 2021

615 S. Saginaw Street Branch615 S. Saginaw StreetFlint, MI 48502 · since 2023

The State Bank Branch175 N Leroy StFenton, MI 48430 · since 2025

Scroll for all 51 branches · Branch data: FDIC BankFind.

Recent deals

  • The Potter's Hand Merrill AFC LLC in Merrill, MI — $2.2M (2026) · Nursing Care Facilities (Skilled Nursing Facilities)
  • The Potter's Hand Merrill AFC LLC in Merrill, MI — $2.2M (2026) · Nursing Care Facilities (Skilled Nursing Facilities)
  • METRO MEDICAL EQUIPMENT INC. in Livonia, MI — $1.4M (2026) · Home Health Care Services
  • Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · Hardware Retailers
  • Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · Hardware Retailers
  • Market Grocery Douglas LLC in Douglas, MI — $1.1M (2026) · purchase · Supermarkets and Other Grocery Retailers (except Convenience
  • Champs Wash Middleville LLC in Hastings, MI — $805K (2026) · Car Washes
  • THE SHORELINE CENTER, LLC in Grand Haven, MI — $612K (2026) · purchase · Offices of Physicians (except Mental Health Specialists)
  • WIRED TECHNOLOGIES LLC in Livonia, MI — $473K (2026) · All Other Miscellaneous Electrical Equipment and Component M
  • Paragon Model Shop Inc. in Freeport, MI — $400K (2026) · Plate Work Manufacturing

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses ChoiceOne Bank financed

320 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with ChoiceOne Bank.

Agent summary

This page summarizes ChoiceOne Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 462 SBA 7(a) loans on record
  • $350K typical deal
  • 42 business-acquisition loans
  • HQ: 109 E Division St, Sparta, MI
  • 51 FDIC branch locations
  • FDIC total assets $4.4B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/choiceone-bank
API:
https://www.capbench.com/api/public/lenders/choiceone-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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