{"citation":"SBA loans to custom home builders in North Carolina. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/new-single-family-housing-construction/north-carolina/ 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/north-carolina/","title":"SBA loans to custom home builders in North Carolina","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":"NC","name":"North Carolina"},"industry":{"naics":"236115","name":"New Single-Family Housing Construction (except For-Sale Builders)","url":"/industries/new-single-family-housing-construction/"},"loans":67,"dollars_approved":30767500,"measures":{"share_of_all_loans_pct":{"state":0.864,"national":0.6,"reading":"No clear gap"},"median_loan":{"state":245400,"national":109900,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":85500,"p75":490000},"national":{"p25":50000,"p75":250000}},"startup_pct":{"state":null,"national":2.0,"reading":"n/a"},"new_pct":{"state":22.4,"national":13.4,"reading":"No clear gap"},"existing_pct":{"state":68.7,"national":82.0,"reading":"No clear gap"},"ownership_pct":{"state":null,"national":1.7,"reading":"n/a"},"express_pct":{"state":31.3,"national":56.5,"reading":"Clearly lower"},"loc_pct":{"state":46.3,"national":47.1,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":3.0}},"clear_gaps":["express","size"],"top_lenders":{"1st Financial Bank USA":11,"Northeast Bank":10,"Wells Fargo Bank":7,"BayFirst National Bank":5},"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."}}