SBA Loans for Commercial and Institutional Building Construction: Top Lenders & Recent Approvals

NAICS 236

NAICS 236 covers commercial and institutional building construction businesses. Based on historical SBA 7(a) lending data.

Total Approvals

2,477

for Commercial and Institutional Building Construction

Median Loan Size

$100,000

per approval

Recent Activity

200

last 90 days through Dec 2025

NAICS 236 covers commercial and institutional building construction businesses. This is one of the more actively funded industries through SBA 7(a) lending, with 2,477 approvals on record and a median loan size of $100,000.

Key trends & insights

THE Huntington National Bank leads this industry with 127 approvals (17% market share) and a median loan of $50,000.
Loan sizes vary dramatically by location — the median in Alaska ($282,500) is 9.3x higher than New Mexico ($30,500).
Commercial and Institutional Building Construction loans skew smaller than the SBA average at $100,000 median (vs. ~$450,000 overall) — good news if you need a smaller amount and want to avoid lenders with high minimums.

Lending trends for Commercial and Institutional Building Construction

Total loaned ($)

Median loan size

Top lenders by historical volume

#	Lender	Approvals	Median Size	Recent	Top States
1	THE Huntington National Bank	127	$50,000	5	OH, MI, IL
2	U.s. Bank, National Association	107	$30,000	13	CA, CO, OR
3	TD Bank, National Association	103	$54,000	6	NY, NJ, FL
4	Jpmorgan Chase Bank, National Association	61	$200,000	3	CA, FL, NY
5	Manufacturers AND Traders Trust Company	55	$50,000	8	NY, NJ, MD
6	Northeast Bank	44	$150,000	15	CA, TX, GA
7	Bayfirst National Bank	36	$150,000	1	CA, TX, GA
8	Wells Fargo Bank, National Association	34	$15,000	3	TX, CA, GA
9	United Midwest Savings Bank, National Association	21	$150,000	2	MI, TX, VA
10	Readycap Lending, LLC	21	$50,000	1	CA, AL, NY
11	Columbia Bank	19	$50,000	4	OR, WA, ID
12	PNC Bank, National Association	14	$50,000	—	PA, TX, FL
13	Santander Bank, National Association	13	$80,000	—	NJ, MA, PA
14	Celtic Bank, CORP.	12	$150,000	4	MI, CA, FL
15	Cadence Bank	11	$300,000	1	CA, CO, PA
16	Keybank, National Association	11	$30,000	1	CO, PA, OR
17	Newtek Small Business Finance, INC.	11	$350,000	—	CA, NJ, FL
18	Webster Bank, National Association	11	$215,000	—	CT, NY
19	Eastern Bank	10	$86,000	2	MA
20	Newtek Bank, National Association	10	$300,000	—	FL, TX, MD

Recent SBA 7(a) approvals for Commercial and Institutional Building Construction

Month	Lender	Borrower	Location	Amount
2025-12	Citizens Bank, National Association	THO*****NC.	LAKE WORTH, FL	$500,000
2025-12	U.S. Bank, National Association	RAY*****ICE	BRENTWOOD, CA	$20,000
2025-12	Gulf Coast Bank and Trust Company	BLU*****ION	LEES SUMMIT, MO	$100,000
2025-12	U.S. Bank, National Association	C S*****LLC	TOPEKA, KS	$50,000
2025-12	The Huntington National Bank	BLA*****LLC	MENTOR, OH	$70,000
2025-12	Endeavor Bank	Pre*****nc.	SIMI VALLEY, CA	$3,199,000
2025-12	The Huntington National Bank	Viv*****LLC	SUGAR LAND, TX	$40,000
2025-12	The Huntington National Bank	BLA*****LLC	PAINESVILLE, OH	$37,600
2025-12	U.S. Bank, National Association	SAN*****LLC	SAN DIEGO, CA	$75,000
2025-12	Celtic Bank Corporation	Ben*****ing	FRIEDENS, PA	$110,700
2025-12	Live Oak Banking Company	Roy*****NC.	TOMS RIVER, NJ	$350,000
2025-12	Stone Bank	The*****LLC	MIAMI, FL	$150,000
2025-12	The Huntington National Bank	Viv*****LLC	SUGAR LAND, TX	$464,500
2025-12	Northeast Bank	Cha*****mer	Aurora, IN	$85,000
2025-12	TD Bank, National Association	Ken*****LLC	WASHINGTON, DC	$20,000
2025-12	Commerce Bank	For*****LLC	CAPE GIRARDEAU, MO	$90,000
2025-12	CenTrust Bank, A Division of SmartBiz Bank National Associat	IS *****nc.	SALEM, KY	$150,000
2025-12	The Huntington National Bank	Gr-*****orp	ELMWOOD PARK, IL	$109,000
2025-12	United Midwest Savings Bank National Association	T59*****LLC	Crestview, FL	$250,000
2025-12	Manufacturers and Traders Trust Company	Wal*****LLC	PERRY HALL, MD	$10,000
2025-12	Byline Bank	VOC*****LLC	ANAHEIM, CA	$702,000
2025-12	The Huntington National Bank	Lib*****Inc	LAKE ANN, MI	$208,600
2025-12	JPMorgan Chase Bank, National Association	GRO*****NC.	MIAMI, FL	$400,000
2025-12	JPMorgan Chase Bank, National Association	BLH*****NC.	YONKERS, NY	$448,000
2025-12	Northeast Bank	Cla*****dio	WICHITA FALLS, TX	$350,000

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

Activity by state

CA256 NY194 OH189 FL170 TX144 NJ127 MI99 PA98 IL78 WA75 MA71 CO69 GA66 OR61 MN54 NC44 MD44 UT44 CT40 VA37 AZ37 WI36 IN35 NH32 ID31 TN28 MO27 SC27 PR23 KY22 IA20 NV18 RI15 LA14 NE13 VT13 AL13 NM12 DE11 OK10 HI10 KS9 MT9 ME9 SD8 AR7 AK6 MS6 WV5 WY4 ND4 DC2 GU1

Less active

More active

State-by-state breakdown

#	State	Approvals	Median Size	#1 Lender	Last 90 Days
1	California	256	$150,000	U.s. Bank, National Association66 approvals	24
2	New York	194	$100,000	TD Bank, National Association65 approvals	11
3	Ohio	189	$50,000	THE Huntington National Bank124 approvals	9
4	Florida	170	$150,000	TD Bank, National Association43 approvals	13
5	Texas	144	$150,000	Jpmorgan Chase Bank, National Association16 approvals	10
6	New Jersey	127	$100,000	TD Bank, National Association65 approvals	5
7	Michigan	99	$75,000	THE Huntington National Bank59 approvals	4
8	Pennsylvania	98	$50,000	TD Bank, National Association21 approvals	6
9	Illinois	78	$87,500	THE Huntington National Bank27 approvals	8
10	Washington	75	$82,600	Columbia Bank16 approvals	4
11	Massachusetts	71	$100,000	Eastern Bank20 approvals	11
12	Colorado	69	$150,000	U.s. Bank, National Association19 approvals	7
13	Georgia	66	$150,000	Northeast Bank9 approvals	8
14	Oregon	61	$50,000	Columbia Bank17 approvals	10
15	Minnesota	54	$85,000	U.s. Bank, National Association12 approvals	3
16	North Carolina	44	$192,000	United Midwest Savings Bank, National Association5 approvals	4
17	Maryland	44	$82,900	Manufacturers AND Traders Trust Company19 approvals	6
18	Utah	44	$50,000	Mountain America FCU11 approvals	7
19	Connecticut	40	$112,500	Manufacturers AND Traders Trust Company14 approvals	—
20	Virginia	37	$150,000	Manufacturers AND Traders Trust Company6 approvals	5
21	Arizona	37	$150,000	U.s. Bank, National Association6 approvals	5
22	Wisconsin	36	$135,750	Bank First, National Association6 approvals	3
23	Indiana	35	$150,000	THE Huntington National Bank8 approvals	2
24	New Hampshire	32	$67,500	TD Bank, National Association9 approvals	3
25	Idaho	31	$53,000	Zions Bank, A Division OF6 approvals	2

SBA loans for Commercial and Institutional Building Construction by state

Similar industries

Electrical Contractors

NAICS 238 · 6,222 approvals

Other Heavy and Civil Engineering Construction

NAICS 237 · 339 approvals

Frequently asked questions about SBA loans for Commercial and Institutional Building Construction

Who are the top SBA lenders for Commercial and Institutional Building Construction?▾

Based on historical SBA 7(a) data, the most active lenders for Commercial and Institutional Building Construction (NAICS 236) include THE Huntington National Bank, U.s. Bank, National Association, TD Bank, National Association, and 17 more. THE Huntington National Bank leads with 127 approved loans.

What is the typical SBA loan size for Commercial and Institutional Building Construction?▾

The median SBA 7(a) loan amount for Commercial and Institutional Building Construction businesses is $100,000, based on 2,477 total approved loans in the dataset.

Which states have the most SBA lending activity for Commercial and Institutional Building Construction?▾

California leads with 256 SBA 7(a) approvals for Commercial and Institutional Building Construction, followed by New York (194) and Ohio (189).

How do I find the best SBA lender for my commercial and institutional building construction business?▾

Start by reviewing the lender rankings on this page, which are based on real SBA approval data for NAICS 236. You can also use the MyLenderPilot Lender Fit Quiz to get a personalized ranking based on your state, loan size, and years in business.

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