SBA lender profile
Waterford Bank, National Association
Waterford Bank, National Association appears in the public SBA loan data with 50 funded 7(a) loans since FY2010, totaling $45.8M, an average of $916K per loan, and an estimated 999 jobs supported. Its SBA lending concentrates in Michigan and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 0.0%. 6.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 80
- Scale 44
- Activity 0
- Consistency 74
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Waterford Bank, National Association the right lender for you?
Lenders fund what they know. Waterford Bank, National Association's SBA lending concentrates in Michigan (41 loans) and Accommodation and Food Services (11 loans), at an average loan of $916K. If your business does not look like that, a different SBA lender is likely the better fit.
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Where Waterford Bank, National Association lends
Top states by funded SBA volume.
Metro areas where Waterford Bank, National Association funds
What Waterford Bank, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 11 | $13.2M |
| Retail Trade | 5 | $6.4M |
| Wholesale Trade | 3 | $6.1M |
| Professional and Technical Services | 4 | $4.2M |
| Transportation and Warehousing | 3 | $3.4M |
| Manufacturing | 3 | $2.9M |
Waterford Bank, National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $1.7M |
| 2011 | 3 | $2.8M |
| 2012 | 3 | $592K |
| 2013 | 5 | $4.1M |
| 2014 | 4 | $2.8M |
| 2015 | 5 | $3.9M |
| 2016 | 6 | $5.2M |
| 2017 | 7 | $5.8M |
| 2018 | 6 | $5.2M |
| 2019 | 2 | $3.5M |
| 2020 | 4 | $1.2M |
| 2021 | 1 | $5.0M |
| 2022 | 1 | $4.1M |
Related SBA lenders
Other lenders active in Michigan or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Waterford Bank, National Association: frequently asked questions
Does Waterford Bank, National Association offer SBA loans?
Yes. Waterford Bank, National Association appears in the public SBA data with 50 funded SBA 7(a) loans totaling $45.8M.
How many SBA loans has Waterford Bank, National Association made?
Waterford Bank, National Association is associated with 50 SBA 7(a) loans totaling $45.8M in the public SBA data (as of 2026-03-31).
What is Waterford Bank, National Association's SBA charge-off rate?
About 0.0% of Waterford Bank, National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Waterford Bank, National Association do most of its SBA lending?
Waterford Bank, National Association's SBA lending in the data is most concentrated in Michigan, and by industry in Accommodation and Food Services.
Is Waterford Bank, National Association an SBA Preferred Lender (PLP)?
The loan record shows Waterford Bank, National Association operating under PLP delegated authority: 3 of its 7(a) loans (6.0%) were processed through the Preferred Lenders Program. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Waterford Bank, National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/waterford-bank-national-association/
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