{"citation":"SBA loans to custom home builders in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/new-single-family-housing-construction/california/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/new-single-family-housing-construction/california/","title":"SBA loans to custom home builders in California","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"}],"data":{"window":{"id":"all","from":"2019-10-01","to":"2026-06-30"},"state":{"code":"CA","name":"California"},"industry":{"naics":"236115","name":"New Single-Family Housing Construction (except For-Sale Builders)","url":"/industries/new-single-family-housing-construction/"},"loans":208,"dollars_approved":60995900,"measures":{"share_of_all_loans_pct":{"state":0.535,"national":0.6,"reading":"No clear gap"},"median_loan":{"state":150000,"national":109900,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":50000,"p75":255775},"national":{"p25":50000,"p75":250000}},"startup_pct":{"state":0.0,"national":2.0,"reading":"No clear gap"},"new_pct":{"state":18.8,"national":13.4,"reading":"No clear gap"},"existing_pct":{"state":79.8,"national":82.0,"reading":"No clear gap"},"ownership_pct":{"state":0.0,"national":1.7,"reading":"No clear gap"},"express_pct":{"state":43.8,"national":56.5,"reading":"Clearly lower"},"loc_pct":{"state":35.1,"national":47.1,"reading":"Clearly lower"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":3.0}},"clear_gaps":["express","loc"],"top_lenders":{"U.S. Bank":46,"Northeast Bank":23,"JPMorgan Chase Bank":21,"BayFirst National Bank":16,"The Huntington National Bank":15},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials. Spread over Prime is the rate at approval minus Prime that day, not today's rate."}}