Best SBA 7(a) lenders for offices of real estate agents and brokers
The top SBA 7(a) lenders for offices of real estate agents and brokers (NAICS 531210) are U.S. Bank, National Association, TD Bank, National Association, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,884 loans totaling $474.4M to businesses in this industry. Average loan size: $252K. Average rate: 9.26%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.27%.
Loans
1,884
Total $
$474.4M
Avg loan
$252K
Avg rate
9.26%
Avg term
137 mo
Industry chg-off rate
3.27%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 244 | $19.5M | $80K | 8.55% | 4.64% |
| 2 | TD Bank, National Association | 174 | $15.4M | $88K | 10.52% | 4.00% |
| 3 | The Huntington National Bank | 142 | $13.6M | $96K | 8.14% | 1.12% |
| 4 | Northeast Bank | 105 | $13.8M | $131K | 11.09% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 90 | $11.6M | $128K | 12.20% | 6.82% |
| 6 | BayFirst National Bank | 89 | $13.1M | $147K | 10.97% | 13.21% |
| 7 | Readycap Lending, LLC | 82 | $15.1M | $184K | 12.37% | 0.00% |
| 8 | Newtek Bank, National Association | 77 | $15.0M | $194K | 11.94% | 0.00% |
| 9 | Celtic Bank Corporation | 45 | $6.7M | $149K | 9.36% | 14.29% |
| 10 | Cadence Bank | 43 | $14.3M | $333K | 9.06% | 10.34% |
| 11 | Manufacturers and Traders Trust Company | 41 | $2.4M | $58K | 11.16% | 3.85% |
| 12 | Lendistry SBLC, LLC | 35 | $5.9M | $168K | 12.61% | 0.00% |
| 13 | Columbia Bank | 33 | $5.0M | $151K | 10.89% | 9.09% |
| 14 | Enterprise Bank & Trust | 28 | $23.0M | $823K | 5.67% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 26 | $4.4M | $169K | 7.43% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 531210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.