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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
491
2010–2026
Total Volume
$291M
Gross loan amounts
States Active
13
With recorded loans
Programs
7(a) & 504
490 total segments
Union Bank has a strong presence in the 504 loan market, with 30% of its SBA deals being 504 loans, significantly higher than the national average of 18%. This indicates a solid capability for financing real estate and larger projects, which could be beneficial if you're looking to acquire property or equipment.
With an average 7(a) spread of P+2.11%, Union Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall interest costs for your loan, making it a favorable option for borrowers seeking affordable financing.
The lender's growth trend shows a -24% year-over-year decline in deal volume, which may indicate a tightening of lending criteria. If you're considering applying for a loan, be prepared for potentially stricter approval processes due to this downward trend.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 146 504 loans, which use fixed SBA debenture rates.
States where Union Bank has recorded SBA lending activity.
+ 8 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Agriculture & Forestry
Agriculture & Forestry
Hotels & Accommodation
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Union Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Agriculture & Forestry · $150K – $350K | 7(a) | 27 | P+1.75% | $298K | Q3 2020 |
| Vermont · Manufacturing · Under $150K | 7(a) | 21 | P+1.75% | $55K | Q4 2021 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+2.00% | $64K | Q1 2023 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 18 | P+2.00% | $58K | Q1 2025 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 14 | P+2.00% | $38K | Q4 2020 |
| California · Wholesale Trade · $2M – $5M | 504 | 8 | — | $3.9M | Q2 2023 |
| Vermont · General Merchandise · Under $150K | 7(a) | 7 | P+2.00% | $69K | Q1 2019 |
| North Dakota · Agriculture & Forestry · Under $150K | 7(a) | 7 | P+2.74% | $106K | Q4 2015 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+1.55% | $53K | Q1 2020 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.25% | $240K | Q4 2021 |
| Vermont · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.06% | $209K | Q3 2022 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.75% | $274K | Q4 2021 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 6 | P+2.25% | $28K | Q4 2017 |
| Ohio · Transportation & Warehousing · $150K – $350K | 7(a) | 5 | P+2.75% | $237K | Q1 2022 |
| New Hampshire · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.00% | $72K | Q1 2025 |
| California · Manufacturing · $2M – $5M | 504 | 5 | — | $3.1M | Q2 2022 |
| California · Manufacturing · $1M – $2M | 504 | 5 | — | $1.5M | Q4 2021 |
| California · Wholesale Trade · $1M – $2M | 504 | 5 | — | $1.5M | Q4 2022 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 4 | P+2.00% | $81K | Q4 2020 |
| Vermont · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+2.00% | $27K | Q2 2018 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+1.50% | $51K | Q3 2022 |
| Vermont · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.75% | $269K | Q3 2022 |
| New Hampshire · Hotels & Accommodation · $350K – $500K | 504 | 4 | — | $378K | Q1 2024 |
| Vermont · Real Estate · Under $150K | 7(a) | 4 | P+0.75% | $64K | Q4 2020 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.75% | $122K | Q3 2021 |
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