SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in New Single-Family Housing Construction (except Operative Builders) turned out?

Of 6,949 loans approved in fiscal 2000 to 2021 (at least five years old), 1,693 (24.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. New Single-Family Housing Construction (except Operative Builders) appears on 8,543 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.2 billion in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
New Single-Family Housing Construction (except Operative Builders)Industry NAICS 236115 · 8,543 loans
24%of seasoned loans charged off
  1. New Single-Family Housing Construction (except Operative Builders) appears on 8,543 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.2 billion in gross approvals.
  2. Of 6,949 loans approved in fiscal 2000 to 2021 (at least five years old), 1,693 (24.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
0%46%Fiscal 2000: 9 of 40 loans charged off (22.5%)Fiscal 2003: 35 of 191 loans charged off (18.3%)Fiscal 2004: 81 of 437 loans charged off (18.5%)Fiscal 2005: 168 of 594 loans charged off (28.3%)Fiscal 2006: 365 of 901 loans charged off (40.5%)Fiscal 2007: 460 of 997 loans charged off (46.1%)Fiscal 2008: 238 of 545 loans charged off (43.7%)Fiscal 2009: 51 of 232 loans charged off (22.0%)Fiscal 2010: 26 of 212 loans charged off (12.3%)Fiscal 2011: 18 of 241 loans charged off (7.5%)Fiscal 2012: 16 of 199 loans charged off (8.0%)Fiscal 2013: 17 of 209 loans charged off (8.1%)Fiscal 2014: 16 of 260 loans charged off (6.2%)Fiscal 2015: 22 of 321 loans charged off (6.9%)Fiscal 2016: 37 of 323 loans charged off (11.5%)Fiscal 2017: 46 of 328 loans charged off (14.0%)Fiscal 2018: 38 of 318 loans charged off (11.9%)Fiscal 2019: 25 of 239 loans charged off (10.5%)Fiscal 2020: 16 of 184 loans charged off (8.7%)Fiscal 2021: 9 of 178 loans charged off (5.1%)2000200420062008201020122014201620182020
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY200040$17.1 million319022.5%
FY2003191$14.2 million15635018.3%
FY2004437$37.1 million35681018.5%
FY2005594$55.6 million424168228.3%
FY2006901$59.4 million536365040.5%
FY2007997$49.9 million535460246.1%
FY2008545$26.1 million306238143.7%
FY2009232$22.5 million18051122.0%
FY2010212$20.2 million18426212.3%
FY2011241$31.2 million2201837.5%
FY2012199$17.8 million1821618.0%
FY2013209$26.9 million1891738.1%
FY2014260$23.0 million2431616.2%
FY2015321$31.6 million2922276.9%
FY2016323$25.5 million27937711.5%
FY2017328$32.9 million248463414.0%
FY2018318$46.1 million224385611.9%
FY2019239$28.4 million163255110.5%
FY2020184$42.1 million12616428.7%
FY2021178$77.9 million1069635.1%
FY2022236$73.4 million8515136too recent for a share
FY2023260$79.6 million4713200too recent for a share
FY2024386$123.0 million4512329too recent for a share
FY2025475$154.7 million212452too recent for a share
FY2026237$81.0 million20235too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
California71418425.8%
New York54413825.4%
Texas4629620.8%
Utah3358625.7%
Massachusetts3294513.7%
Washington2929131.2%
Michigan2574617.9%
Oregon2455622.9%
Ohio2365422.9%
Pennsylvania2233917.5%
Colorado2207735.0%
New Jersey2175927.2%

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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