BlogRankingIndustryBest Home Builders SBA Lenders of 2026

Best Home Builders SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best New Single-Family Housing Construction SBA Lenders of 2026

$202.6M
Total Funded

601
Loans Approved

$337K
Avg Loan Size

10.97%
Avg Interest Rate

85
Active Lenders

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:

Rank Lender Startup Volume Loans Avg Rate
1 Leader Bank, National Association $10.0M 4 9.25%
2 Northeast Bank $2.3M 14 10.80%
3 Newtek Bank, National Association $2.2M 10 11.45%
4 The Juniata Valley Bank $1.5M 1 9.00%
5 Wells Fargo Bank National Association $1.4M 8 12.15%
6 Readycap Lending, LLC $984K 1 10.25%
7 Gulf Coast Bank and Trust Company $777K 2 10.25%
8 Central Bank $579K 2 6.50%
9 Webster Bank National Association $500K 1 9.00%
10 Celtic Bank Corporation $450K 3 10.25%

🔄 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:

Rank Lender Acquisition Volume Loans Avg Rate
1 MISSINGMAINBANKID $5.0M 1 8.00%
2 Climate First Bank $3.5M 1 9.75%
3 T Bank, National Association $3.3M 1 9.75%
4 Gulf Coast Bank and Trust Company $3.2M 1 10.00%
5 The Juniata Valley Bank $3.0M 1 9.00%
6 First Internet Bank of Indiana $995K 2 9.75%
7 First Bank of Central Ohio $604K 1 10.00%
8 BayPort Federal Credit Union $275K 1 8.00%

🏢 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:

Rank Lender Volume Loans Avg Rate
1 1st Financial Bank USA $42.0M 21 9.39%
2 Northeast Bank $32.7M 152 11.13%
3 Newtek Bank, National Association $19.9M 39 11.26%
4 Readycap Lending, LLC $5.7M 37 12.51%
5 Lendistry SBLC, LLC $4.3M 16 11.81%
6 Wells Fargo Bank National Association $4.0M 2 6.83%
7 TD Bank, National Association $3.6M 19 10.34%
8 Washington Trust Bank $3.6M 2 7.50%
9 BayFirst National Bank $3.4M 20 12.16%
10 Cadence Bank $2.9M 7 10.25%

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

Nashville, Nc

$10.0M
Volume

4
Loans

Centennial, Co

$6.4M
Volume

4
Loans

Orlando, Fl

$5.9M
Volume

3
Loans

Hailey, Id

$5.0M
Volume

2
Loans

Amarillo, Tx

$5.0M
Volume

1
Loans

Rome, Ny

$5.0M
Volume

1
Loans

Winter Park, Co

$5.0M
Volume

1
Loans

Dover, Pa

$4.5M
Volume

2
Loans

Allendale, Mi

$4.4M
Volume

1
Loans

Brooklyn, Ny

$4.2M
Volume

3
Loans

New York, Ny

$4.0M
Volume

2
Loans

Carrollton, Tx

$4.0M
Volume

2
Loans

Vero Beach, Fl

$3.8M
Volume

2
Loans

Redmond, Wa

$3.6M
Volume

2
Loans

Powell, Oh

$3.3M
Volume

1
Loans

Helotes, Tx

$3.2M
Volume

1
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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http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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