Compare the top 85 SBA lenders for Home Builders businesses. $202.6M funded in 2025. Average rate 10.97%. Get matched free.
Best New Single-Family Housing Construction SBA Lenders of 2026
SBA Loans for New Single-Family Housing Construction Businesses
The Home Builders industry received $202.6M in SBA 7(a) loans across 601 businesses in 2025. With 85 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.
Working with an experienced SBA loan broker who understands the New Single-Family Housing Construction industry can help you access lenders that specialize in your business type.
💡 Key Insight: The average SBA loan for New Single-Family Housing Construction businesses is $337K with an average rate of 10.97%. Lenders who specialize in this industry often offer better terms and faster approvals.
SBA Loans by Business Type
Here’s how SBA 7(a) loans break down for New Single-Family Housing Construction businesses by business stage:
🚀 Startups
14%
$22.2M • 83 loans
🏢 Existing Businesses
85%
$160.4M • 509 loans
🔄 Business Acquisitions
1%
$20.0M • 9 loans
Top 50 SBA Lenders for New Single-Family Housing Construction (2025)
These are the banks that funded the most SBA 7(a) loan volume to New Single-Family Housing Construction businesses, ranked by total volume:
| Rank | Lender | Volume | Loans | Avg Rate |
|---|
| 1 |
1st Financial Bank USA | $42.0M | 21 | 9.39% |
| 2 |
Northeast Bank | $35.0M | 166 | 11.10% |
| 3 |
Newtek Bank, National Association | $22.1M | 49 | 11.30% |
| 4 |
Leader Bank, National Association | $10.0M | 4 | 9.25% |
| 5 |
Readycap Lending, LLC | $6.7M | 38 | 12.45% |
| 6 |
Wells Fargo Bank National Association | $5.3M | 10 | 11.09% |
| 7 |
MISSINGMAINBANKID | $5.0M | 1 | 8.00% |
| 8 |
The Juniata Valley Bank | $4.5M | 2 | 9.00% |
| 9 |
Lendistry SBLC, LLC | $4.3M | 16 | 11.81% |
| 10 |
Gulf Coast Bank and Trust Company | $4.0M | 3 | 10.17% |
| 11 |
TD Bank, National Association | $3.8M | 26 | 10.38% |
| 12 |
Climate First Bank | $3.8M | 2 | 10.00% |
| 13 |
Washington Trust Bank | $3.6M | 2 | 7.50% |
| 14 |
BayFirst National Bank | $3.4M | 20 | 12.16% |
| 15 |
T Bank, National Association | $3.3M | 1 | 9.75% |
| 16 |
Cadence Bank | $2.9M | 7 | 10.25% |
| 17 |
Pinnacle Bank | $2.9M | 1 | 9.50% |
| 18 |
Manufacturers and Traders Trust Company | $2.5M | 36 | 11.77% |
| 19 |
JPMorgan Chase Bank, National Association | $2.5M | 15 | 11.23% |
| 20 |
Worthington Bank | $2.3M | 1 | 8.50% |
| 21 |
Harvest Small Business Finance, LLC | $2.1M | 2 | 9.63% |
| 22 |
Celtic Bank Corporation | $2.0M | 11 | 10.27% |
| 23 |
U.S. Bank, National Association | $1.7M | 37 | 11.36% |
| 24 |
Grasshopper Bank National Association | $1.7M | 4 | 10.75% |
| 25 |
Citizens National Bank of Cheboygan | $1.6M | 1 | 7.50% |
| 26 |
CenTrust Bank, A Division of SmartBiz Bank National Associat | $1.3M | 5 | 11.00% |
| 27 |
Meridian Bank | $1.2M | 2 | 9.88% |
| 28 |
Zions Bank, A Division of | $1.2M | 10 | 11.50% |
| 29 |
Webster Bank National Association | $1.1M | 3 | 9.25% |
| 30 |
First Internet Bank of Indiana | $995K | 2 | 9.75% |
| 31 |
Bankwell Bank | $900K | 1 | 9.75% |
| 32 |
The Huntington National Bank | $891K | 5 | 9.44% |
| 33 |
Eaton Community Bank | $820K | 1 | 7.00% |
| 34 |
Mission Bank | $810K | 2 | 9.88% |
| 35 |
Eastern Bank | $719K | 10 | 10.69% |
| 36 |
Banner Bank | $715K | 4 | 9.19% |
| 37 |
Stone Bank | $700K | 4 | 10.38% |
| 38 |
Valley National Bank | $688K | 1 | 9.50% |
| 39 |
VelocitySBA, LLC | $658K | 1 | 9.50% |
| 40 |
Bar Harbor Bank & Trust | $638K | 2 | 7.00% |
| 41 |
AMPAC Tri-State CDC, Inc. | $616K | 2 | 10.25% |
| 42 |
First Bank of Central Ohio | $604K | 1 | 10.00% |
| 43 |
Central Bank | $579K | 2 | 6.50% |
| 44 |
American Bank of Commerce | $500K | 1 | 9.00% |
| 45 |
Meredith Village Savings Bank | $500K | 1 | 9.00% |
| 46 |
PNC Bank, National Association | $500K | 1 | 9.85% |
| 47 |
American Momentum Bank | $460K | 1 | 9.50% |
| 48 |
First Bank of the Lake | $441K | 3 | 12.17% |
| 49 |
Woori America Bank | $382K | 1 | 9.50% |
| 50 |
Rockland Trust Company | $350K | 1 | 9.50% |
🚀 Best Lenders for New Single-Family Housing Construction Startups
Starting a new new single-family housing construction business? These lenders funded the most startup loans in this industry:
🔄 Best Lenders for New Single-Family Housing Construction Acquisitions
Looking to buy an existing new single-family housing construction business? These lenders specialize in acquisition financing:
🏢 Best Lenders for Existing New Single-Family Housing Construction Businesses
Already running an established new single-family housing construction business? These lenders have funded the most loans to existing businesses in your industry:
Top States for New Single-Family Housing Construction SBA Loans
Here are the states with the highest SBA lending volume for New Single-Family Housing Construction businesses:
| Rank | State | Volume | Loans |
|---|
| 1 |
Texas | $26.6M | 35 |
| 2 |
Florida | $21.7M | 44 |
| 3 |
New York | $19.7M | 44 |
| 4 |
North Carolina | $16.6M | 35 |
| 5 |
Colorado | $15.7M | 21 |
| 6 |
California | $15.0M | 76 |
| 7 |
Michigan | $8.4M | 16 |
| 8 |
Pennsylvania | $7.8M | 20 |
| 9 |
Washington | $7.1M | 26 |
| 10 |
Ohio | $6.2M | 15 |
| 11 |
Idaho | $5.6M | 8 |
| 12 |
South Carolina | $5.3M | 10 |
| 13 |
New Jersey | $4.2M | 18 |
| 14 |
Massachusetts | $4.2M | 31 |
| 15 |
Arizona | $3.5M | 10 |
| 16 |
Georgia | $3.3M | 11 |
| 17 |
Oregon | $3.3M | 13 |
| 18 |
Utah | $3.2M | 17 |
| 19 |
Illinois | $2.7M | 16 |
| 20 |
New Hampshire | $2.4M | 11 |
| 21 |
Connecticut | $2.1M | 8 |
| 22 |
Virginia | $2.0M | 9 |
| 23 |
Minnesota | $1.8M | 9 |
| 24 |
Alabama | $1.7M | 7 |
| 25 |
Indiana | $1.6M | 4 |
| 26 |
Missouri | $1.4M | 9 |
| 27 |
Maryland | $1.3M | 12 |
| 28 |
Oklahoma | $1.2M | 5 |
| 29 |
Tennessee | $837K | 6 |
| 30 |
South Dakota | $745K | 5 |
| 31 |
Maine | $629K | 7 |
| 32 |
Louisiana | $560K | 4 |
| 33 |
Nebraska | $528K | 3 |
| 34 |
Kansas | $500K | 2 |
| 35 |
Rhode Island | $463K | 5 |
| 36 |
Montana | $418K | 4 |
| 37 |
Nevada | $400K | 3 |
| 38 |
Iowa | $350K | 1 |
| 39 |
Hawaii | $350K | 1 |
| 40 |
Alaska | $340K | 2 |
| 41 |
Vermont | $295K | 5 |
| 42 |
Kentucky | $295K | 5 |
| 43 |
Mississippi | $150K | 2 |
| 44 |
Arkansas | $150K | 1 |
| 45 |
Delaware | $125K | 2 |
| 46 |
West Virginia | $100K | 1 |
| 47 |
Wisconsin | $45K | 1 |
| 48 |
Puerto Rico | $20K | 1 |
Top Cities for New Single-Family Housing Construction SBA Loans
🤝 Why Use an SBA Broker for New Single-Family Housing Construction Loans?
GoSBA Loans has extensive experience financing New Single-Family Housing Construction businesses:
- Industry expertise — we know which lenders specialize in New Single-Family Housing Construction
- Access to 85+ lenders — including banks that don’t accept direct applications
- Better rates — our relationships help secure competitive terms
- Faster approvals — proper preparation leads to quicker decisions
- Free service — lenders pay us, you pay nothing extra
📞 Get Expert Help with Your New Single-Family Housing Construction SBA Loan
Our team specializes in SBA financing for New Single-Family Housing Construction businesses. Let us match you with the right lender for your specific needs.
Need SBA financing for your New Single-Family Housing Construction business? GoSBA Loans specializes in SBA loans for New Single-Family Housing Construction businesses. Contact our industry specialists today for a free consultation.
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