Best SBA 7(a) lenders for direct mail advertising
The top SBA 7(a) lenders for direct mail advertising (NAICS 541860) are The Huntington National Bank, Live Oak Banking Company, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 51 loans totaling $36.1M to businesses in this industry. Average loan size: $707K. Average rate: 8.73%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
51
Total $
$36.1M
Avg loan
$707K
Avg rate
8.73%
Avg term
127 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 5 | $480K | $96K | 8.73% | 0.00% |
| 2 | Live Oak Banking Company | 4 | $2.5M | $629K | 9.88% | — |
| 3 | TD Bank, National Association | 4 | $2.1M | $529K | 6.81% | 0.00% |
| 4 | U.S. Bank, National Association | 3 | $530K | $177K | 10.08% | — |
| 5 | Bank of America, National Association | 3 | $2.2M | $735K | 7.22% | 0.00% |
| 6 | Five Star Bank | 2 | $700K | $350K | 7.13% | 0.00% |
| 7 | Newtek Bank, National Association | 2 | $1.4M | $675K | 10.75% | — |
| 8 | MidWestOne Bank | 2 | $3.4M | $1.7M | 5.00% | 0.00% |
| 9 | Wells Fargo Bank National Association | 2 | $289K | $145K | 9.46% | 0.00% |
| 10 | BayFirst National Bank | 2 | $259K | $130K | 12.00% | 0.00% |
| 11 | Dogwood State Bank | 2 | $2.3M | $1.1M | 8.38% | 0.00% |
| 12 | Comerica Bank | 2 | $4.6M | $2.3M | 8.75% | — |
| 13 | Clearwater FCU | 2 | $350K | $175K | 9.50% | 0.00% |
| 14 | HomeTrust Bank | 1 | $500K | $500K | 11.00% | — |
| 15 | Glacier Bank | 1 | $95K | $95K | 4.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541860. Charge-off rates are calculated on the FY2020–FY2023 cohort only.