SBA 7(a) lenders in Howard, MD

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-09-30.

Lenders

117 institutions have SBA 7(a) loans on record in Howard, together $470.9M across 1,383 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	556	$79.8M	16.9%	2.85%
2	Live Oak Banking Company	25	$33.4M	7.1%	0.00%
3	Truist Bank	60	$24.6M	5.2%	6.98%
4	Fulton Bank, National Association	54	$23.6M	5.0%	3.27%
5	First National Bank of Pennsylvania	84	$22.3M	4.7%	9.93%
6	Atlantic Union Bank	42	$19.3M	4.1%	4.34%
7	Wells Fargo Bank National Association	61	$18.8M	4.0%	4.78%
8	TD Bank, National Association	37	$15.0M	3.2%	2.05%
9	Woori America Bank	5	$11.1M	2.4%	0.00%
10	Newtek Bank, National Association	25	$10.9M	2.3%	0.00%
11	Beacon Bank and Trust	10	$10.3M	2.2%	0.00%
12	Hanmi Bank	16	$10.2M	2.2%	0.55%
13	Readycap Lending, LLC	15	$10.2M	2.2%	0.00%
14	EagleBank	13	$9.7M	2.1%	0.00%
15	Wilmington Savings Fund Society FSB	13	$8.9M	1.9%	0.00%
16	Northeast Bank	36	$7.8M	1.7%	0.00%
17	Meridian Bank	6	$7.4M	1.6%	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	1.0%	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	0.8%	0.00%
27	Gulf Coast Bank and Trust Company	5	$4.0M	0.8%	0.00%
28	Newtek Small Business Finance, LLC	6	$3.9M	0.8%	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	0.7%	0.00%
33	Harvest Small Business Finance, LLC	2	$3.4M	0.7%	0.00%
34	The Huntington National Bank	10	$3.3M	0.7%	0.00%
35	Stone Bank	2	$3.3M	0.7%	0.00%
36	Banc of California	2	$3.1M	0.7%	0.00%
37	Capital One National Association	7	$3.1M	0.6%	0.00%
38	First Bank of the Lake	4	$2.7M	0.6%	0.00%
39	Stearns Bank National Association	10	$2.7M	0.6%	0.00%
40	First Bank	1	$2.6M	0.6%	0.00%
41	Parke Bank	2	$2.5M	0.5%	0.00%
42	Regent Bank	1	$2.5M	0.5%	0.00%
43	US Metro Bank	1	$2.4M	0.5%	0.00%
44	Hanover Community Bank	2	$2.0M	0.4%	0.00%
45	Pinnacle Bank	3	$2.0M	0.4%	0.00%
46	PCB Bank	5	$1.9M	0.4%	0.00%
47	The Bancorp Bank National Association	2	$1.8M	0.4%	0.00%
48	Byline Bank	2	$1.8M	0.4%	0.00%
49	FDIC - Community Bank & Trust-West Georgia	2	$1.8M	0.4%	0.00%
50	Industrial Bank	4	$1.4M	0.3%	0.00%
51	United Midwest Savings Bank National Association	10	$1.4M	0.3%	3.91%
52	Centerstone SBA Lending, Inc.	1	$1.4M	0.3%	0.00%
53	Citizens Bank	4	$1.4M	0.3%	0.00%
54	VelocitySBA, LLC	9	$1.3M	0.3%	0.71%
55	Coastal States Bank	1	$1.3M	0.3%	0.00%
56	Bankwell Bank	1	$1.3M	0.3%	0.00%
57	Commonwealth Business Bank	1	$1.2M	0.3%	0.00%
58	Bank of Ann Arbor	1	$1.2M	0.3%	0.00%
59	Bank Five Nine	3	$1.2M	0.3%	0.00%
60	U.S. Bank, National Association	4	$1.2M	0.3%	0.00%
61	National Cooperative Bank, National Association	1	$1.1M	0.2%	0.00%
62	Simmons Bank	5	$1.1M	0.2%	0.00%
63	BMO Bank National Association	1	$1.1M	0.2%	0.00%
64	Primis Bank	3	$1.1M	0.2%	0.00%
65	Colony Bank	2	$1.1M	0.2%	0.00%
66	Grasshopper Bank National Association	3	$989K	0.2%	0.00%
67	CommerceFirst Bank	3	$950K	0.2%	0.00%
68	East West Bank	1	$917K	0.2%	0.00%
69	Hana Small Business Lending, Inc.	2	$850K	0.2%	0.00%
70	WesBanco Bank, Inc.	2	$817K	0.2%	0.00%
71	Fund-Ex Solutions Group, LLC	1	$795K	0.2%	0.00%
72	Lendistry SBLC, LLC	3	$750K	0.2%	0.00%
73	SouthState Bank, National Association	2	$748K	0.2%	0.00%
74	City National Bank of Florida	2	$747K	0.2%	0.00%
75	Truliant FCU	1	$743K	0.2%	0.00%
76	CenTrust Bank, A Division of SmartBiz Bank National Association	4	$728K	0.2%	0.00%
77	The Bank of Glen Burnie	3	$675K	0.1%	10.43%
78	Farmers & Merchants Bank	1	$585K	0.1%	0.00%
79	Popular Bank	2	$561K	0.1%	0.00%
80	The National Capital Bank of Washington	1	$552K	0.1%	0.00%
81	JPMorgan Chase Bank, National Association	2	$530K	0.1%	0.00%
82	KeyBank National Association	1	$513K	0.1%	0.00%
83	Cache Valley Bank	1	$500K	0.1%	0.00%
84	Prince George's Financial Services Corporation	2	$475K	0.1%	0.00%
85	First-Citizens Bank & Trust Company	1	$446K	0.1%	0.00%
86	Seacoast National Bank	2	$436K	0.1%	0.00%
87	CRF Small Business Loan Company, LLC	2	$421K	0.1%	0.00%
88	Univest Bank and Trust Co	1	$415K	0.1%	0.00%
89	The Bank of Princeton	1	$400K	0.1%	0.00%
90	HomeTrust Bank	1	$383K	0.1%	0.00%
91	Regions Bank	1	$370K	0.1%	0.00%
92	Banesco USA	1	$350K	0.1%	0.00%
93	Ameris Bank	1	$331K	0.1%	94.29%
94	TowneBank	2	$325K	0.1%	0.00%
95	Mid-Atlantic Federal Credit Union	2	$310K	0.1%	0.00%
96	Old National Bank	1	$308K	0.1%	0.00%
97	First Merchants Bank	2	$275K	0.1%	0.00%
98	UniBank	1	$268K	0.1%	0.00%
99	Paragon Bank	1	$255K	0.1%	0.00%
100	Bank of Clarke	1	$250K	0.1%	0.00%
101	Happen Bank	1	$221K	0.0%	0.00%
102	First Command Bank	1	$180K	0.0%	0.00%
103	Potomac Bank	1	$150K	0.0%	0.00%
104	First Business Bank	1	$150K	0.0%	0.00%
105	Heritage Bank Inc	1	$150K	0.0%	0.00%
106	ACNB Bank	1	$146K	0.0%	0.00%
107	Orrstown Bank	2	$130K	0.0%	0.00%
108	Signal Financial FCU	1	$100K	0.0%	0.00%
109	Five Star Bank	1	$95K	0.0%	0.00%
110	CDC Small Business Finance Corp.	1	$75K	0.0%	0.00%
111	Citizens Bank, National Association	1	$60K	0.0%	0.00%
112	PlainsCapital Bank	1	$52K	0.0%	0.00%
113	Zions Bancorporation, National Association	1	$50K	0.0%	99.36%
114	Columbia Bank	2	$50K	0.0%	0.00%
115	Santander Bank, National Association	1	$28K	0.0%	0.00%
116	Shore United Bank, National Association	1	$20K	0.0%	0.00%
117	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	341	$83.5M	17.7%
2	Health care & social assistance	142	$80.4M	17.1%
3	Accommodation & food services	149	$60.6M	12.9%
4	Retail trade	83	$39.4M	8.4%
5	Other services	127	$39.4M	8.4%
6	Construction	112	$28.0M	5.9%
7	Wholesale trade	54	$22.9M	4.9%
8	Arts, entertainment & recreation	62	$21.5M	4.6%
9	Finance & insurance	33	$14.3M	3.0%
10	Administrative & waste services	65	$13.9M	3.0%
11	Real estate & leasing	26	$13.8M	2.9%
12	Educational services	32	$11.2M	2.4%
13	Manufacturing	30	$11.1M	2.3%
14	Information	32	$9.9M	2.1%
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	16	$2.3M	0.5%
20	Transportation & warehousing	5	$749K	0.2%
21	Management of companies	1	$704K	0.1%

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.