Best SBA 7(a) lenders for home health care services
The top SBA 7(a) lenders for home health care services (NAICS 621610) are The Huntington National Bank, Live Oak Banking Company, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 3,156 loans totaling $1.53B to businesses in this industry. Average loan size: $484K. Average rate: 9.00%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.69%.
Loans
3,156
Total $
$1.53B
Avg loan
$484K
Avg rate
9.00%
Avg term
133 mo
Industry chg-off rate
2.69%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 455 | $86.1M | $189K | 8.94% | 1.92% |
| 2 | Live Oak Banking Company | 249 | $222.8M | $895K | 8.48% | 0.00% |
| 3 | Northeast Bank | 143 | $30.7M | $215K | 10.76% | 0.00% |
| 4 | Newtek Bank, National Association | 121 | $70.4M | $582K | 11.38% | 0.00% |
| 5 | U.S. Bank, National Association | 113 | $42.2M | $374K | 8.21% | 4.92% |
| 6 | Readycap Lending, LLC | 107 | $25.2M | $236K | 12.25% | 0.00% |
| 7 | Wells Fargo Bank National Association | 107 | $20.6M | $193K | 10.01% | 5.19% |
| 8 | BayFirst National Bank | 97 | $17.7M | $182K | 11.60% | 2.56% |
| 9 | Manufacturers and Traders Trust Company | 86 | $10.7M | $125K | 10.86% | 9.76% |
| 10 | United Midwest Savings Bank National Association | 72 | $16.6M | $231K | 6.97% | 8.20% |
| 11 | American National Bank | 70 | $37.6M | $537K | 6.98% | 0.00% |
| 12 | CIBC Bank USA | 70 | $31.2M | $446K | 7.35% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 61 | $13.2M | $217K | 10.54% | 3.57% |
| 14 | CDC Small Business Finance Corp. | 55 | $9.4M | $171K | 10.73% | 27.78% |
| 15 | Byline Bank | 53 | $75.0M | $1.4M | 8.33% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621610. Charge-off rates are calculated on the FY2020–FY2023 cohort only.