Local lending data
Who lends to businesses in Dupage County?
925 SBA 7(a) loans went to businesses in Dupage County recently, at a median of $200,000. The lenders that made them, ranked, with local rates and startup share.
925 SBA 7(a) loans went to businesses in Dupage County in the most recent fiscal years, at a median of $200,000. The most active lender was The Huntington National Bank, with 250 loans.
SBA lending in Dupage County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Dupage County | Illinois | National |
|---|---|---|---|
| Loans approved | 925 | 7,427 | 214,102 |
| Median loan | $200,000 | $161,100 | $150,000 |
| 25th - 75th percentile | $84,000 - $500,000 | $60,000 - $500,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.00% | 10.10% | 10.25% |
| Share to startups | 28.3% | 29.2% | 33.6% |
| Charge-off rate, FY2010-19 | 7.9% | 8.8% | 7.1% |
| Jobs supported | 10,356 | 82,895 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Dupage County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | 250 | $100,000 | 32% | 10.25% |
| JPMorgan Chase Bank | 62 | $200,000 | 6% | 11.40% |
| U.S. Bank | 60 | $50,000 | 38% | 9.37% |
| Byline Bank | 37 | $860,000 | 35% | 10.00% |
| BayFirst National Bank | 36 | $150,000 | 3% | 12.50% |
| Northeast Bank | 32 | $150,000 | 12% | 11.00% |
| Live Oak Banking Company | 31 | $627,500 | 10% | 9.00% |
| Newtek Bank | 29 | $150,000 | 14% | 11.50% |
| Wheaton Bank & Trust Company | 25 | $324,500 | 44% | 8.75% |
| Bank of America | 19 | $400,000 | 32% | 6.50% |
What stands out here
Reading these figures against the national picture:
- Loans here run larger than average. The median of $200,000 is 33% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- Startup share is about average, at 28% against 34% nationally.
- One lender dominates. The Huntington National Bank alone made 27% of these loans, and the top three made 40%. That concentration usually means a lender with a dedicated program for this sector — worth starting there, but get a second quote so you know the terms are competitive.
Who borrows in Dupage County
The mix of industries taking SBA loans here, led by trucking.
| Sector | Loans | Share |
|---|---|---|
| Trucking | 127 | 13.7% |
| Professional Services | 92 | 9.9% |
| Construction | 90 | 9.7% |
| Personal Services | 89 | 9.6% |
| Healthcare | 82 | 8.9% |
| Manufacturing | 81 | 8.8% |
| Retail | 81 | 8.8% |
| Restaurants and Hotels | 78 | 8.4% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Illinois.
Other counties in Illinois
- Nearby markets with published data: Cook County, Lake County, Will County, Kane County, McHenry County, Winnebago County, Sangamon County, Madison County