STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
181
2010–2025
Total Volume
$74M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
181 total segments
Flagstar Bank has a strong focus on 504 loans, making up 31% of their total SBA deals, which is significantly higher than the national average of about 18%. This indicates they are well-suited for borrowers looking for real estate financing or expansion projects.
With an average 7(a) spread of P+1.86%, Flagstar Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your loan.
The lender's growth trend shows a decline of 29% year-over-year in deal volume, which may indicate a tightening of lending criteria. This could make it more challenging for new borrowers to secure financing compared to previous years.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 57 504 loans, which use fixed SBA debenture rates.
States where Flagstar Bank National Association has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Management & IT Consulting
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Flagstar Bank National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 9 | P+1.50% | $73K | Q1 2022 |
| Michigan · Management & IT Consulting · Under $150K | 7(a) | 7 | P+2.00% | $82K | Q3 2018 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+1.50% | $260K | Q1 2022 |
| Michigan · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.00% | $208K | Q3 2018 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.50% | $110K | Q4 2023 |
| Michigan · Manufacturing · $350K – $500K | 504 | 4 | — | $410K | Q2 2018 |
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+1.88% | $81K | Q2 2022 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.75% | $120K | Q2 2023 |
| Michigan · Legal Services · Under $150K | 7(a) | 3 | P+1.50% | $82K | Q4 2023 |
| Michigan · Manufacturing · $150K – $350K | 504 | 3 | — | $267K | Q3 2015 |
| Michigan · Building Construction · Under $150K | 7(a) | 3 | P+2.00% | $122K | Q3 2023 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $214K | Q4 2021 |
| Michigan · Other Health Practitioners · $500K – $1M | 7(a) | 2 | P+1.38% | $514K | Q2 2021 |
| Michigan · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.50% | $254K | Q4 2019 |
| New York · Manufacturing · $500K – $1M | 504 | 2 | — | $859K | Q4 2013 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.75% | $50K | Q3 2024 |
| Michigan · Retail Trade · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q2 2017 |
| Michigan · Retail Trade · $350K – $500K | 7(a) | 2 | P+2.13% | $400K | Q3 2023 |
| New York · Specialty Trade Contractors · $350K – $500K | 504 | 2 | — | $437K | Q3 2015 |
| Michigan · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.25% | $89K | Q2 2024 |
| New York · Manufacturing · $350K – $500K | 504 | 2 | — | $437K | Q1 2016 |
| Indiana · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.38% | $92K | Q3 2022 |
| Florida · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.00% | $293K | Q3 2024 |
| Michigan · Engineering & Architecture · $150K – $350K | 7(a) | 2 | P+1.25% | $293K | Q3 2022 |
| New York · Manufacturing · $2M – $5M | 504 | 2 | — | $2.5M | Q1 2021 |
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