SBA by NAICS · 238220
SBA lenders for NAICS 238220: Plumbing, Heating, and Air-Conditioning Contractors
425 lenders made 3,562 SBA loans to businesses in NAICS 238220, Plumbing, Heating, and Air-Conditioning Contractors, in the 36 months ending September 30, 2026, $1.7B in all. The Huntington National Bank made the most, with 308. The typical loan was about $200K.
- Evidence
- SBA 7(a) and 504 loans in NAICS 238220
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 425
- SBA FOIA,
- SBA loans, 36 months
- 3,562
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $1.68B
- SBA FOIA,
- Typical loan
- $200K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for NAICS 238220: Plumbing, Heating, and Air-Conditioning Contractors, https://lender.report/sba-lenders-for/naics/238220/, data as of September 30, 2026.
Describe a deal
See which lenders made SBA loans to businesses in NAICS 238220, at your size and in your state. No account and no form.
Show SBA loans to businesses in NAICS 238220On this list? Find your page
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| California | 456 | $226M |
| Florida | 315 | $166M |
| Texas | 269 | $139M |
| New York | 211 | $89.5M |
| Ohio | 158 | $58.0M |
| Pennsylvania | 135 | $52.7M |
| New Jersey | 119 | $62.7M |
| Colorado | 118 | $73.2M |
| Michigan | 116 | $46.2M |
| Massachusetts | 112 | $33.2M |
| Washington | 109 | $47.4M |
| Arizona | 106 | $64.1M |
| Illinois | 104 | $42.8M |
| Minnesota | 77 | $36.4M |
| North Carolina | 73 | $45.4M |
| Loan size | Loans |
|---|---|
| Under $150K | 1,372 |
| $150K to $350K | 896 |
| $350K to $1M | 797 |
| $1M to $2.5M | 327 |
| $2.5M or more | 129 |
- SBA lenders recorded 3,562 loans to businesses in NAICS 238220 totaling $1.7B nationwide in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $200K, with the middle half between $75K and $500K. SBA FOIA,
- 3,358 were SBA 7(a) loans and 204 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.25% on 3,350 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 3,183 of the loans, credit unions 113, and non-banks 221. SBA FOIA,
- The five most active lenders made 32.2% of the loans. SBA FOIA,
- The three most active lenders were The Huntington National Bank with 308, U.S. Bank National Association with 295, and TD Bank, National Association with 202. SBA FOIA,
- 1,372 of the loans were under $150K, and 456 were $1M or more. SBA FOIA,
- 45 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 1,039 approvals of these loans dated in the 12 months to September 30, 2026, versus 1,309 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- California (456), Florida (315), Texas (269) recorded the most of these loans. SBA FOIA,
- NAICS 238220 is Plumbing, Heating, and Air-Conditioning Contractors, in the Construction sector. SBA FOIA,
- The lenders are based most often in California, Minnesota and Illinois. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to businesses in NAICS 238220, Plumbing, Heating, and Air-Conditioning Contractors
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens dated in the 36 months ending September 30, 2026 and not cancelled whose NAICS code the SBA file shows as 238220, at 6 digits.
- Order
- Largest first by loans nationally, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
A 6-digit code is printed only where the SBA file holds 5 or more loans of that program in that state, so loans the file shows only as a 2-digit sector are not counted here. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.