Best SBA 7(a) lenders for postal service
NAICS 491110 — Postal Service.
80 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $22.5M.
Loans
80
Total $
$22.5M
Avg loan
$282K
Avg rate
9.05%
Avg term
114 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 12 | $8.3M | $691K | 10.16% | 0.00% |
| 2 | The Huntington National Bank | 10 | $2.2M | $222K | 9.40% | 0.00% |
| 3 | U.S. Bank, National Association | 6 | $168K | $28K | 9.57% | 0.00% |
| 4 | Cadence Bank | 5 | $776K | $155K | 8.60% | 0.00% |
| 5 | Citizens Bank | 4 | $1.2M | $302K | 4.44% | 0.00% |
| 6 | Wells Fargo Bank National Association | 4 | $404K | $101K | 9.93% | 0.00% |
| 7 | TD Bank, National Association | 3 | $265K | $88K | 9.13% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 3 | $186K | $62K | 13.00% | 0.00% |
| 9 | Western Alliance Bank | 3 | $964K | $321K | 9.33% | 0.00% |
| 10 | Commonwealth Business Bank | 2 | $505K | $253K | 7.63% | 0.00% |
| 11 | BayFirst National Bank | 2 | $299K | $149K | 13.00% | — |
| 12 | BancFirst | 1 | $80K | $80K | 5.25% | 0.00% |
| 13 | Camden National Bank | 1 | $10K | $10K | 10.50% | — |
| 14 | Capital One, National Association | 1 | $458K | $458K | 6.63% | — |
| 15 | First Bank of the Lake | 1 | $200K | $200K | 10.75% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 491110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.