Best SBA 7(a) lenders for residential mental health and substance abuse facilities
NAICS 623220 — Residential Mental Health and Substance Abuse Facilities.
205 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $197.2M.
Loans
205
Total $
$197.2M
Avg loan
$962K
Avg rate
8.82%
Avg term
177 mo
Industry chg-off rate
1.01%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 19 | $28.0M | $1.5M | 10.39% | 0.00% |
| 2 | The Huntington National Bank | 18 | $3.1M | $173K | 7.57% | 7.69% |
| 3 | Wells Fargo Bank National Association | 14 | $2.3M | $161K | 12.26% | 0.00% |
| 4 | Newtek Bank, National Association | 12 | $10.1M | $840K | 11.29% | — |
| 5 | Manufacturers and Traders Trust Company | 8 | $295K | $37K | 11.25% | 0.00% |
| 6 | Celtic Bank Corporation | 8 | $11.8M | $1.5M | 7.66% | 0.00% |
| 7 | Newtek Small Business Finance, Inc. | 7 | $9.0M | $1.3M | 6.46% | 0.00% |
| 8 | Gulf Coast Bank and Trust Company | 6 | $6.5M | $1.1M | 8.50% | 0.00% |
| 9 | America First FCU | 6 | $8.8M | $1.5M | 7.58% | 0.00% |
| 10 | Hiawatha National Bank | 5 | $1.4M | $274K | 9.00% | — |
| 11 | Northeast Bank | 5 | $820K | $164K | 10.45% | — |
| 12 | LendingClub Bank, National Association | 4 | $9.6M | $2.4M | 8.25% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 4 | $1.6M | $393K | 9.02% | 0.00% |
| 14 | East West Bank | 3 | $150K | $50K | 11.50% | — |
| 15 | Byline Bank | 3 | $2.4M | $809K | 9.17% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 623220. Charge-off rates are calculated on the FY2020–FY2023 cohort only.