Applications / Mortgage Analytics / Lenders / Michigan / ChoiceOne Bank / Competition
ChoiceOne Bank
Sparta, MI · State member bank · FRS · $4.4 billion assets · 939 loans in 2025
ChoiceOne Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
939
loans originated, 2025
1,460
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who ChoiceOne Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — GRAND RAPIDS-WYOMING-KENTWOOD, MI, 2025
ChoiceOne Bank ranks 21st of 436 lenders in Grand Rapids-Wyoming-Kentwood, MI, with $65.9M lent: 0.9% of a $7.34B market.
Grand Rapids-Wyoming-Kentwood, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 55% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — DETROIT-WARREN-DEARBORN, MI, 2025
ChoiceOne Bank ranks 59th of 599 lenders in Detroit-Warren-Dearborn, MI, with $61.7M lent: 0.2% of a $25.80B market.
Detroit-Warren-Dearborn, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO MICHIGAN, 2025
ChoiceOne Bank ranks 55th of 606 lenders in non-metro Michigan, with $28.3M lent: 0.4% of a $7.04B market.
non-metro Michigan is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — FLINT, MI, 2025
ChoiceOne Bank ranks 17th of 285 lenders in Flint, MI, with $23.2M lent: 1.4% of a $1.61B market.
Flint, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — MUSKEGON-NORTON SHORES, MI, 2025
ChoiceOne Bank ranks 12th of 233 lenders in Muskegon-Norton Shores, MI, with $16.1M lent: 1.7% of a $964.1M market.
Muskegon-Norton Shores, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SEBRING, FL, 2025
ChoiceOne Bank ranks 149th of 245 lenders in Sebring, FL, with $385K lent: 0.1% of a $529.8M market.
Sebring, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — PUNTA GORDA, FL, 2025
ChoiceOne Bank ranks 391st of 548 lenders in Punta Gorda, FL, with $355K lent: 0.0% of a $2.09B market.
Punta Gorda, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CHARLOTTE-CONCORD-GASTONIA, NC-SC, 2025
ChoiceOne Bank ranks 416th of 775 lenders in Charlotte-Concord-Gastonia, NC-SC, with $2.5M lent: 0.0% of a $28.47B market.
Charlotte-Concord-Gastonia, NC-SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ChoiceOne Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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ChoiceOne Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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