Best SBA 7(a) lenders for private mail centers
NAICS 561431 — Private Mail Centers.
895 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $318.7M.
Loans
895
Total $
$318.7M
Avg loan
$356K
Avg rate
8.48%
Avg term
121 mo
Industry chg-off rate
1.05%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 148 | $29.3M | $198K | 9.32% | 0.00% |
| 2 | Bank of America, National Association | 76 | $42.2M | $555K | 6.74% | 0.00% |
| 3 | United Community Bank | 56 | $23.6M | $422K | 8.38% | 0.00% |
| 4 | U.S. Bank, National Association | 42 | $12.2M | $291K | 8.12% | 0.00% |
| 5 | Citizens Bank | 30 | $14.4M | $478K | 9.12% | 0.00% |
| 6 | Merchants Bank of Indiana | 28 | $12.8M | $458K | 9.13% | 0.00% |
| 7 | Cadence Bank | 27 | $16.2M | $600K | 8.76% | 0.00% |
| 8 | Newtek Bank, National Association | 23 | $6.0M | $260K | 11.33% | 0.00% |
| 9 | Wells Fargo Bank National Association | 21 | $5.6M | $267K | 7.00% | 15.38% |
| 10 | TD Bank, National Association | 20 | $4.7M | $233K | 8.98% | 9.09% |
| 11 | Manufacturers and Traders Trust Company | 20 | $4.1M | $207K | 8.57% | 9.09% |
| 12 | The Bancorp Bank National Association | 19 | $7.7M | $404K | 6.68% | 0.00% |
| 13 | Columbia Bank | 14 | $4.0M | $285K | 9.02% | 0.00% |
| 14 | BayFirst National Bank | 12 | $2.7M | $228K | 8.98% | 0.00% |
| 15 | Live Oak Banking Company | 12 | $9.1M | $759K | 8.71% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561431. Charge-off rates are calculated on the FY2020–FY2023 cohort only.