Best SBA 7(a) lenders for other activities related to real estate
The top SBA 7(a) lenders for other activities related to real estate (NAICS 531390) are TD Bank, National Association, BayFirst National Bank, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 929 loans totaling $444.8M to businesses in this industry. Average loan size: $479K. Average rate: 9.04%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.51%.
Loans
929
Total $
$444.8M
Avg loan
$479K
Avg rate
9.04%
Avg term
154 mo
Industry chg-off rate
3.51%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 66 | $13.7M | $208K | 10.44% | 6.45% |
| 2 | BayFirst National Bank | 52 | $8.0M | $154K | 11.32% | 10.81% |
| 3 | The Huntington National Bank | 49 | $13.8M | $282K | 8.62% | 3.45% |
| 4 | U.S. Bank, National Association | 48 | $14.1M | $293K | 8.21% | 12.50% |
| 5 | Readycap Lending, LLC | 47 | $11.5M | $244K | 12.80% | 20.00% |
| 6 | Manufacturers and Traders Trust Company | 43 | $4.4M | $103K | 10.11% | 12.12% |
| 7 | Cadence Bank | 30 | $15.0M | $501K | 8.38% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 25 | $2.7M | $108K | 13.02% | 0.00% |
| 9 | Newtek Bank, National Association | 22 | $6.0M | $272K | 12.33% | 0.00% |
| 10 | Byline Bank | 19 | $24.3M | $1.3M | 9.82% | 0.00% |
| 11 | Live Oak Banking Company | 17 | $19.3M | $1.1M | 8.31% | 0.00% |
| 12 | BMO Bank National Association | 17 | $7.2M | $422K | 4.32% | 0.00% |
| 13 | Northeast Bank | 15 | $2.6M | $173K | 11.58% | — |
| 14 | Newtek Small Business Finance, Inc. | 14 | $6.1M | $435K | 8.29% | 0.00% |
| 15 | Regions Bank | 13 | $18.7M | $1.4M | 6.65% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 531390. Charge-off rates are calculated on the FY2020–FY2023 cohort only.