Best SBA 7(a) lenders for home health care services
NAICS 621610 — Home Health Care Services.
3,156 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.53B.
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.