States › Michigan › Roscommon County
County38th of 83 in Michigan by approvalsFIPS 26143
SBA loans in Roscommon County, Michigan
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 41 loans to businesses in Roscommon County, Michigan, in FY2021 to FY2025, worth $13.4M: 40 under 7(a) and 1 under 504.
That is 74.4 approvals per 1,000 business establishments (551 establishments in 2023), above the Michigan figure of 55.8 and above the national 41.0.
It ranks 38th of 83 Michigan counties with approvals. In FY2025 there were 6.
12 lenders had approvals here; the most active were The Huntington National Bank (28), Horizon Bank (2) and Celtic Bank Corporation (2). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Roscommon County
By number of approvals to businesses in the county, FY2021–FY2025; 12 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 28 | $4.3M | 68.3% | |
| 2 | Horizon BankMichigan City, IN | 2 | — | 4.9% | |
| 3 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 4.9% | |
| 4 | Shoreham BankWarwick, RI | 1 | — | 2.4% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.4% | |
| 6 | Byline BankChicago, IL | 1 | — | 2.4% | |
| 7 | Truliant FCUWinston-Salem, NC | 1 | — | 2.4% | |
| 8 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.4% | |
| 9 | Great Lakes Commercial FinanceGrandville, MI · CDC | 1 | — | 2.4% | |
| 10 | National Exchange Bank and TrustFond du Lac, WI | 1 | — | 2.4% | |
| 11 | First Financial BankEl Dorado, AR | 1 | — | 2.4% | |
| 12 | Northern Great Lakes InitiativesMarquette, MI | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 12.2% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 12.2% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 9.8% | |
| 4 | Offices of PhysiciansNAICS 6211 | 3 | 7.3% | |
| 5 | Support Activities for Road TransportationNAICS 4884 | 2 | 4.9% | |
| 6 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 4.9% | |
| 7 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 4.9% | |
| 8 | Beer, Wine, and Liquor StoresNAICS 4453 | 2 | 4.9% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 2 | 4.9% | |
| 10 | General Freight TruckingNAICS 4841 | 2 | 4.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 10 | 24.4% | |
| 2 | Accommodation and Food Services | 8 | 19.5% | |
| 3 | Other Services (except Public Administration) | 7 | 17.1% | |
| 4 | Transportation and Warehousing | 5 | 12.2% | |
| 5 | Retail Trade | 4 | 9.8% | |
| 6 | Health Care and Social Assistance | 3 | 7.3% | |
| 7 | Finance and Insurance | 2 | 4.9% | |
| 8 | Real Estate and Rental and Leasing | 1 | 2.4% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 2 | — | — | 0 | — | 2 | 10 |
| FY2025 | 5 | $2.3M | $150K | 1 | — | 6 | 80 |
| FY2024 | 9 | $2.4M | $115K | 0 | — | 9 | 32 |
| FY2023 | 14 | $1.8M | $36K | 0 | — | 14 | 43 |
| FY2022 | 8 | $3.9M | $275K | 0 | — | 8 | 46 |
| FY2021 | 4 | $2.5M | $520K | 0 | — | 4 | 41 |
| FY2020 | 1 | — | — | 0 | — | 1 | 6 |
| FY2019 | 2 | — | — | 0 | — | 2 | 12 |
| FY2018 | 5 | $1.7M | $120K | 0 | — | 5 | 20 |
| FY2017 | 4 | $3.4M | $402K | 1 | — | 5 | 20 |
| FY2016 | 8 | $2.0M | $250K | 0 | — | 8 | 38 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 21 approvals.
Against Michigan and the country
| FY2021–FY2025 | Roscommon County | Michigan | United States |
|---|---|---|---|
| Approvals | 41 | 12,809 | 342,825 |
| Approvals per 1,000 establishments | 74.4 | 55.8 | 41.0 |
| Median 7(a) approval | $90K | $125K | $190K |
| Median 504 approval | — | $540K | $657K |
| Average approval | $327K | $415K | $573K |
| 504 share of approvals | 2.4% | 6.7% | 11.0% |
| Jobs supported per approval, as reported | 5.9 | 9.4 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less41.5%17
- $50,001 to $150,00019.5%8
- $150,001 to $350,0009.8%4
- $350,001 to $1 million17.1%7
- $1 million to $2 million12.2%5
Age of the businesses
- Existing, more than 2 years old46.3%19
- New business, 2 years or less14.6%6
- Startup, loan funds will open the business19.5%8
- Change of ownership19.5%8
Questions and answers
Which lenders make the most SBA loans in Roscommon County?
By approvals in FY2021 to FY2025: The Huntington National Bank (28), Horizon Bank (2), Celtic Bank Corporation (2), Shoreham Bank (1), Live Oak Banking Company (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Roscommon County?
The median 7(a) approval was $90K; the Michigan 7(a) median was $125K.
Which industries get the most SBA loans in Roscommon County?
Restaurants and Other Eating Places (5); Other Specialty Trade Contractors (5); Automotive Repair and Maintenance (4); Offices of Physicians (3); Support Activities for Road Transportation (2).
Is SBA lending in Roscommon County rising?
Approvals in the three latest complete fiscal years total 29, against 13 in the three before: rising (+123%).
How does Roscommon County compare with the rest of Michigan?
74.4 approvals per 1,000 establishments against 55.8 statewide, and 41 of the state's 12,809 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error