Applications / Mortgage Analytics / Lenders / Michigan / The Shelby State Bank / Competition
The Shelby State Bank
Shelby, MI · State non-member bank · FDIC · $386 million assets · 70 loans in 2025
The Shelby State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
70
loans originated, 2025
105
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who The Shelby State 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 — NON-METRO MICHIGAN, 2025
The Shelby State Bank ranks 124th of 606 lenders in non-metro Michigan, with $10.1M lent: 0.1% 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 The Shelby State 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. 2 — MUSKEGON-NORTON SHORES, MI, 2025
The Shelby State Bank ranks 40th of 233 lenders in Muskegon-Norton Shores, MI, with $4.0M lent: 0.4% 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 The Shelby State 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 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — GRAND RAPIDS-WYOMING-KENTWOOD, MI, 2025
The Shelby State Bank ranks 175th of 436 lenders in Grand Rapids-Wyoming-Kentwood, MI, with $2.8M lent: 0.0% 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 The Shelby State 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 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — FLINT, MI, 2025
The Shelby State Bank ranks 160th of 285 lenders in Flint, MI, with $795K lent: 0.0% 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 The Shelby State 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 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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The Shelby State Bank's data
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The Shelby State 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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