BankUnited, National Association: SBA Lending Record
What SBA's own loan files show about BankUnited, National Association as an SBA lender, and how a lender's record bears on a feasibility study.
BankUnited, National Association: loans and programs
BankUnited, National Association has 705 approved loans in SBA's files, $737.6 million gross, FY2017 to FY2026. FL is the lender state SBA records for BankUnited, National Association. SBA, not BankUnited, National Association, guarantees these 705 loans. Counts for BankUnited, National Association describe records only. Program split at BankUnited, National Association: 705 for 7(a), 0 for 504. BankUnited, National Association holds or held these 705 loans, as SBA records them.
Where the loans of BankUnited, National Association sit
BankUnited, National Association has 426 loans, of 705, outside the classes tracked on this site. Class by class, the record of BankUnited, National Association reads Hotel and motel (49), Full-service restaurant (39), Limited-service restaurant (37), Gas station and truck stop (31), Child care center (22), Liquor store (22), Beauty salon (14), Car wash (11), Automotive mechanical repair (car and truck) (9), Fitness center (8). Grocery store closes the class list with 5 loans. Hotel and motel borrowers can weigh a project next to 49 such loans at BankUnited, National Association. BankUnited, National Association shows 39 loans in Full-service restaurant, the next class. Limited-service restaurant comes third at BankUnited, National Association, with 37 loans. Texas follows with 67 loans in the BankUnited, National Association record. Geography for BankUnited, National Association follows this order: Florida (298), Texas (67), Michigan (61), California (42), Colorado (19), New York (16), Virginia (15), North Carolina (14), Pennsylvania (14), Ohio (13). The state list closes with Iowa, 5 loans. FL is the lender state; Florida carries the most loans, 298.
BankUnited, National Association: cancellations and losses
The cancellation floor for BankUnited, National Association is 10.6% on FY2017 to FY2024 approvals. At BankUnited, National Association, the upper bound is left out, because Loan Analytics needs 30 loans in a cell before printing a rate, and a blank rate never means none cancelled. The charge-off floor for BankUnited, National Association on FY2017 to FY2021 disbursements reads 4.3%, measured across 516 loans. BankUnited, National Association's five-year rate is held back because the cohort is under 30 loans. These are minimum rates for BankUnited, National Association, and so later losses within the group would raise it.
Using the BankUnited, National Association record in a study
Hotel and motel at BankUnited, National Association gets going with a read of demand. From there, a study of Full-service restaurant needs to test cost, with 39 such loans on BankUnited, National Association's record. Debt service coverage follows, and $737.6 million across 705 loans at BankUnited, National Association cannot settle it for any one project. Finally follows the appraisal, which no count of 37 Limited-service restaurant loans at BankUnited, National Association can replace. Florida shows 298 loans and Texas shows 67 at BankUnited, National Association, a local picture to read beside the study. BankUnited, National Association alone knows what it requires. Nothing promises approval, and BankUnited, National Association sets its own terms.
SBA loans held by BankUnited, National Association
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 705 |
|---|---|
| Gross dollars approved | $737.6 million |
| SBA 7(a) loans | 705 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.3% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 516 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 426 |
| Hotel and motel | 49 |
| Full-service restaurant | 39 |
| Limited-service restaurant | 37 |
| Gas station and truck stop | 31 |
| Child care center | 22 |
| Liquor store | 22 |
| Beauty salon | 14 |
| Car wash | 11 |
| Automotive mechanical repair (car and truck) | 9 |
| Fitness center | 8 |
| Medical office (physicians) | 6 |
| Dental office | 5 |
| Grocery store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Florida | 298 |
| Texas | 67 |
| Michigan | 61 |
| California | 42 |
| Colorado | 19 |
| New York | 16 |
| Virginia | 15 |
| North Carolina | 14 |
| Pennsylvania | 14 |
| Ohio | 13 |
| Tennessee | 13 |
| Illinois | 12 |
| Indiana | 12 |
| Arizona | 11 |
| Georgia | 10 |
| Connecticut | 8 |
| Maryland | 8 |
| Minnesota | 7 |
| Nevada | 7 |
| Mississippi | 6 |
| New Jersey | 6 |
| Iowa | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58979.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study consultant
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