Best SBA 7(a) lenders for mortgage and nonmortgage loan brokers
NAICS 522310 — Mortgage and Nonmortgage Loan Brokers.
177 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $70.3M.
Loans
177
Total $
$70.3M
Avg loan
$397K
Avg rate
8.76%
Avg term
158 mo
Industry chg-off rate
8.85%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 23 | $3.5M | $153K | 11.58% | 22.22% |
| 2 | Readycap Lending, LLC | 15 | $2.9M | $194K | 10.53% | 28.57% |
| 3 | Newtek Bank, National Association | 12 | $6.0M | $497K | 11.96% | 0.00% |
| 4 | Comerica Bank | 11 | $1.8M | $164K | 6.61% | 0.00% |
| 5 | Cadence Bank | 9 | $2.8M | $311K | 7.92% | 14.29% |
| 6 | Colony Bank | 5 | $3.1M | $616K | 8.85% | 0.00% |
| 7 | Celtic Bank Corporation | 5 | $631K | $126K | 9.75% | 0.00% |
| 8 | Wells Fargo Bank National Association | 5 | $4.0M | $803K | 4.73% | 0.00% |
| 9 | Enterprise Bank & Trust | 4 | $5.1M | $1.3M | 5.69% | 0.00% |
| 10 | BMO Bank National Association | 4 | $1.3M | $326K | 6.22% | 0.00% |
| 11 | Zions Bank, A Division of | 4 | $4.5M | $1.1M | 6.44% | 0.00% |
| 12 | The Huntington National Bank | 4 | $371K | $93K | 9.63% | 0.00% |
| 13 | Columbia Bank | 4 | $2.1M | $519K | 5.19% | 0.00% |
| 14 | Byline Bank | 3 | $5.4M | $1.8M | 10.42% | 0.00% |
| 15 | Central Pacific Bank | 3 | $120K | $40K | 7.83% | 66.67% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 522310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.