Construction lenders in Bay, FL
Approvals from SBA fiscal year 2008 onward. Source data as of 2026-06-30.
21 institutions have SBA 7(a) loans on record to this industry in Bay, FL, together $9.6M across 39 loans. TowneBank is the largest, with 15% of approvals.
Lenders
| Rank | Lender | Loans | Approved | Share |
|---|---|---|---|---|
| 1 | TowneBank | 1 | $1.4M | 14.7% |
| 2 | Gulf Coast Bank and Trust Company | 1 | $1.0M | 10.8% |
| 3 | Hancock Whitney Bank | 3 | $1.0M | 10.6% |
| 4 | Wells Fargo Bank National Association | 7 | $1.0M | 10.6% |
| 5 | First Federal Bank | 1 | $792K | 8.3% |
| 6 | Heritage Bank Inc | 1 | $726K | 7.6% |
| 7 | Readycap Lending, LLC | 3 | $706K | 7.4% |
| 8 | Northeast Bank | 3 | $700K | 7.3% |
| 9 | Live Oak Banking Company | 2 | $375K | 3.9% |
| 10 | The Huntington National Bank | 1 | $350K | 3.7% |
| 11 | BayFirst National Bank | 2 | $300K | 3.1% |
| 12 | Regions Bank | 2 | $245K | 2.6% |
| 13 | Stearns Bank National Association | 1 | $205K | 2.1% |
| 14 | United Midwest Savings Bank National Association | 1 | $150K | 1.6% |
| 15 | Columbia Bank | 3 | $125K | 1.3% |
| 16 | Celtic Bank Corporation | 1 | $125K | 1.3% |
| 17 | Independence Bank | 1 | $125K | 1.3% |
| 18 | Trustmark Bank | 1 | $97K | 1.0% |
| 19 | Truist Bank | 2 | $55K | 0.6% |
| 20 | PNC Bank, National Association | 1 | $15K | 0.2% |
| 21 | VelocitySBA, LLC | 1 | $10K | 0.1% |
See construction lenders nationally
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.