Best SBA 7(a) lenders for architectural services
NAICS 541310 — Architectural Services.
776 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $319.0M.
Loans
776
Total $
$319.0M
Avg loan
$411K
Avg rate
9.22%
Avg term
133 mo
Industry chg-off rate
1.89%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 62 | $14.2M | $229K | 8.13% | 2.56% |
| 2 | TD Bank, National Association | 57 | $5.9M | $104K | 10.55% | 14.29% |
| 3 | JPMorgan Chase Bank, National Association | 43 | $13.4M | $312K | 10.57% | 0.00% |
| 4 | Northeast Bank | 41 | $6.9M | $169K | 10.71% | 0.00% |
| 5 | BayFirst National Bank | 32 | $4.4M | $136K | 11.72% | 0.00% |
| 6 | Readycap Lending, LLC | 32 | $6.7M | $211K | 13.23% | 0.00% |
| 7 | Wells Fargo Bank National Association | 29 | $12.6M | $435K | 9.06% | 0.00% |
| 8 | Newtek Bank, National Association | 28 | $14.6M | $521K | 11.56% | 0.00% |
| 9 | Celtic Bank Corporation | 26 | $4.2M | $162K | 10.36% | 0.00% |
| 10 | U.S. Bank, National Association | 26 | $14.9M | $572K | 7.93% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 18 | $1.4M | $76K | 10.70% | 12.50% |
| 12 | Bank of America, National Association | 16 | $7.9M | $492K | 8.35% | 0.00% |
| 13 | Cadence Bank | 16 | $3.7M | $230K | 9.47% | 0.00% |
| 14 | Columbia Bank | 13 | $9.9M | $758K | 9.62% | 0.00% |
| 15 | Five Star Bank | 13 | $3.3M | $254K | 6.58% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.