Best SBA 7(a) lenders for new housing operative builders
The top SBA 7(a) lenders for new housing operative builders (NAICS 236117) are Manufacturers and Traders Trust Company, Comerica Bank, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 66 loans totaling $42.2M to businesses in this industry. Average loan size: $640K. Average rate: 7.39%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.08%.
Loans
66
Total $
$42.2M
Avg loan
$640K
Avg rate
7.39%
Avg term
123 mo
Industry chg-off rate
5.08%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 5 | $397K | $79K | 11.20% | 0.00% |
| 2 | Comerica Bank | 3 | $580K | $193K | 7.25% | 0.00% |
| 3 | The Huntington National Bank | 3 | $900K | $300K | 1.00% | 0.00% |
| 4 | Hiawatha National Bank | 3 | $1.4M | $467K | 9.42% | 66.67% |
| 5 | 1st Financial Bank USA | 3 | $13.5M | $4.5M | 7.99% | 0.00% |
| 6 | Wells Fargo Bank National Association | 3 | $25K | $8K | 9.00% | 0.00% |
| 7 | Northeast Bank | 2 | $273K | $137K | 11.00% | 0.00% |
| 8 | Old National Bank | 2 | $755K | $378K | 8.13% | 0.00% |
| 9 | Rockland Trust Company | 2 | $259K | $130K | 4.19% | 0.00% |
| 10 | First National Bank | 2 | $317K | $159K | 6.38% | 0.00% |
| 11 | Bank OZK | 2 | $250K | $125K | 7.63% | 0.00% |
| 12 | The Lyons National Bank | 2 | $1.1M | $563K | 4.25% | 0.00% |
| 13 | Wolf River Community Bank | 2 | $3.1M | $1.6M | 4.25% | 0.00% |
| 14 | Columbia Bank | 1 | $50K | $50K | 13.50% | — |
| 15 | Citizens Community Federal National Association | 1 | $750K | $750K | 11.50% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 236117. Charge-off rates are calculated on the FY2020–FY2023 cohort only.