SBA 7(a) lenders in Howard, MD

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

114 institutions have SBA 7(a) loans on record in Howard, together $458.0M across 1,349 loans. Manufacturers and Traders Trust Company is the largest, with 17% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	542	$78.3M	17.1%	3.11%
2	Live Oak Banking Company	25	$33.4M	7.3%	0.00%
3	Truist Bank	60	$24.6M	5.4%	6.98%
4	First National Bank of Pennsylvania	84	$22.3M	4.9%	9.93%
5	Fulton Bank, National Association	53	$22.2M	4.8%	3.47%
6	Atlantic Union Bank	42	$19.3M	4.2%	4.34%
7	Wells Fargo Bank National Association	61	$18.8M	4.1%	4.78%
8	TD Bank, National Association	37	$15.0M	3.3%	2.05%
9	Woori America Bank	5	$11.1M	2.4%	0.00%
10	Beacon Bank and Trust	10	$10.3M	2.2%	0.00%
11	Hanmi Bank	16	$10.2M	2.2%	0.55%
12	Readycap Lending, LLC	15	$10.2M	2.2%	0.00%
13	EagleBank	13	$9.7M	2.1%	0.00%
14	Newtek Bank, National Association	21	$9.4M	2.0%	0.00%
15	Wilmington Savings Fund Society FSB	11	$8.0M	1.8%	0.00%
16	Meridian Bank	5	$7.1M	1.6%	0.00%
17	Northeast Bank	32	$6.4M	1.4%	0.00%
18	Citibank, N.A.	5	$5.2M	1.1%	0.00%
19	First Internet Bank of Indiana	5	$5.1M	1.1%	0.00%
20	GBank	1	$5.0M	1.1%	0.00%
21	The MINT National Bank	1	$5.0M	1.1%	0.00%
22	Capital Bank, National Association	11	$4.8M	1.1%	0.00%
23	Bank of America, National Association	25	$4.3M	0.9%	0.99%
24	Firstrust Savings Bank	3	$4.3M	0.9%	0.00%
25	BankUnited, National Association	2	$4.0M	0.9%	0.00%
26	MainStreet Bank	1	$4.0M	0.9%	0.00%
27	Gulf Coast Bank and Trust Company	5	$4.0M	0.9%	0.00%
28	Newtek Small Business Finance, Inc.	6	$3.9M	0.9%	0.00%
29	BayFirst National Bank	23	$3.8M	0.8%	2.92%
30	PNC Bank, National Association	21	$3.7M	0.8%	0.00%
31	Bank of Hope	15	$3.6M	0.8%	10.94%
32	Celtic Bank Corporation	15	$3.5M	0.8%	0.00%
33	Harvest Small Business Finance, LLC	2	$3.4M	0.7%	0.00%
34	Stone Bank	2	$3.3M	0.7%	0.00%
35	Banc of California	2	$3.1M	0.7%	0.00%
36	Capital One National Association	7	$3.1M	0.7%	0.00%
37	Stearns Bank National Association	10	$2.7M	0.6%	0.00%
38	The Huntington National Bank	8	$2.6M	0.6%	0.00%
39	First Bank	1	$2.6M	0.6%	0.00%
40	Parke Bank	2	$2.5M	0.6%	0.00%
41	Regent Bank	1	$2.5M	0.5%	0.00%
42	First Bank of the Lake	3	$2.1M	0.5%	0.00%
43	Hanover Community Bank	2	$2.0M	0.4%	0.00%
44	Pinnacle Bank	3	$2.0M	0.4%	0.00%
45	PCB Bank	5	$1.9M	0.4%	0.00%
46	The Bancorp Bank National Association	2	$1.8M	0.4%	0.00%
47	Byline Bank	2	$1.8M	0.4%	0.00%
48	FDIC - Community Bank & Trust-West Georgia	2	$1.8M	0.4%	0.00%
49	Industrial Bank	4	$1.4M	0.3%	0.00%
50	United Midwest Savings Bank National Association	10	$1.4M	0.3%	3.91%
51	Centerstone SBA Lending, Inc.	1	$1.4M	0.3%	0.00%
52	Citizens Bank	4	$1.4M	0.3%	0.00%
53	VelocitySBA, LLC	9	$1.3M	0.3%	0.71%
54	Coastal States Bank	1	$1.3M	0.3%	0.00%
55	Bankwell Bank	1	$1.3M	0.3%	0.00%
56	Commonwealth Business Bank	1	$1.2M	0.3%	0.00%
57	Bank of Ann Arbor	1	$1.2M	0.3%	0.00%
58	Bank Five Nine	3	$1.2M	0.3%	0.00%
59	U.S. Bank, National Association	4	$1.2M	0.3%	0.00%
60	National Cooperative Bank, National Association	1	$1.1M	0.3%	0.00%
61	Simmons Bank	5	$1.1M	0.2%	0.00%
62	BMO Bank National Association	1	$1.1M	0.2%	0.00%
63	Primis Bank	3	$1.1M	0.2%	0.00%
64	Colony Bank	2	$1.1M	0.2%	0.00%
65	CommerceFirst Bank	3	$950K	0.2%	0.00%
66	Hana Small Business Lending, Inc.	2	$850K	0.2%	0.00%
67	WesBanco Bank, Inc.	2	$817K	0.2%	0.00%
68	Fund-Ex Solutions Group, LLC	1	$795K	0.2%	0.00%
69	Grasshopper Bank National Association	2	$789K	0.2%	0.00%
70	Lendistry SBLC, LLC	3	$750K	0.2%	0.00%
71	SouthState Bank, National Association	2	$748K	0.2%	0.00%
72	City National Bank of Florida	2	$747K	0.2%	0.00%
73	CenTrust Bank, A Division of SmartBiz Bank National Association	4	$728K	0.2%	0.00%
74	The Bank of Glen Burnie	3	$675K	0.1%	10.43%
75	Farmers & Merchants Bank	1	$585K	0.1%	0.00%
76	Popular Bank	2	$561K	0.1%	0.00%
77	The National Capital Bank of Washington	1	$552K	0.1%	0.00%
78	JPMorgan Chase Bank, National Association	2	$530K	0.1%	0.00%
79	KeyBank National Association	1	$513K	0.1%	0.00%
80	Cache Valley Bank	1	$500K	0.1%	0.00%
81	First-Citizens Bank & Trust Company	1	$446K	0.1%	0.00%
82	Seacoast National Bank	2	$436K	0.1%	0.00%
83	CRF Small Business Loan Company, LLC	2	$421K	0.1%	0.00%
84	Univest Bank and Trust Co	1	$415K	0.1%	0.00%
85	The Bank of Princeton	1	$400K	0.1%	0.00%
86	HomeTrust Bank	1	$383K	0.1%	0.00%
87	Regions Bank	1	$370K	0.1%	0.00%
88	Banesco USA	1	$350K	0.1%	0.00%
89	Ameris Bank	1	$331K	0.1%	94.29%
90	TowneBank	2	$325K	0.1%	0.00%
91	Mid-Atlantic Federal Credit Union	2	$310K	0.1%	0.00%
92	Old National Bank	1	$308K	0.1%	0.00%
93	First Merchants Bank	2	$275K	0.1%	0.00%
94	UniBank	1	$268K	0.1%	0.00%
95	Paragon Bank	1	$255K	0.1%	0.00%
96	Bank of Clarke	1	$250K	0.1%	0.00%
97	Happen Bank	1	$221K	0.0%	0.00%
98	First Command Bank	1	$180K	0.0%	0.00%
99	First Business Bank	1	$150K	0.0%	0.00%
100	Potomac Bank	1	$150K	0.0%	0.00%
101	Heritage Bank Inc	1	$150K	0.0%	0.00%
102	ACNB Bank	1	$146K	0.0%	0.00%
103	Orrstown Bank	2	$130K	0.0%	0.00%
104	Prince George's Financial Services Corporation	1	$125K	0.0%	0.00%
105	Signal Financial FCU	1	$100K	0.0%	0.00%
106	Five Star Bank	1	$95K	0.0%	0.00%
107	CDC Small Business Finance Corp.	1	$75K	0.0%	0.00%
108	Citizens Bank, National Association	1	$60K	0.0%	0.00%
109	PlainsCapital Bank	1	$52K	0.0%	0.00%
110	Zions Bank, A Division of	1	$50K	0.0%	99.36%
111	Columbia Bank	2	$50K	0.0%	0.00%
112	Santander Bank, National Association	1	$28K	0.0%	0.00%
113	Shore United Bank, National Association	1	$20K	0.0%	0.00%
114	Banco Popular de Puerto Rico	1	$10K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Professional & technical services	336	$81.6M	17.8%
2	Health care & social assistance	138	$78.0M	17.0%
3	Accommodation & food services	142	$58.0M	12.7%
4	Retail trade	83	$39.4M	8.6%
5	Other services	120	$36.2M	7.9%
6	Construction	112	$28.0M	6.1%
7	Wholesale trade	54	$22.9M	5.0%
8	Arts, entertainment & recreation	62	$21.5M	4.7%
9	Finance & insurance	31	$14.3M	3.1%
10	Real estate & leasing	26	$13.8M	3.0%
11	Administrative & waste services	59	$12.3M	2.7%
12	Educational services	32	$11.2M	2.4%
13	Manufacturing	29	$10.1M	2.2%
14	Information	32	$9.9M	2.2%
15	Retail trade	36	$8.4M	1.8%
16	Transportation & warehousing	21	$3.9M	0.8%
17	Utilities	3	$2.5M	0.5%
18	Manufacturing	13	$2.4M	0.5%
19	Manufacturing	15	$2.2M	0.5%
20	Transportation & warehousing	4	$719K	0.2%
21	Management of companies	1	$704K	0.2%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

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.