SBA 7(a) lending by state

The SBA publishes every 7(a) loan it guarantees. These pages summarise that record by place: who lends where, how much they approved, and what share of the market each lender holds. Figures cover approvals from SBA fiscal year 2008 onward. Source data as of 2026-06-30.

Shaded by rank among states, on total approvals.lessmore

Hover a state for its totals, click to open it. Puerto Rico and the territories have no position on this projection and are listed in the table below.

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Every state

Rank	State	Lenders	Counties	Loans	Approved
1	California	512	58	126,397	$65.38B
2	Texas	706	246	79,520	$43.86B
3	Florida	528	67	59,969	$29.09B
4	Georgia	409	156	29,314	$19.81B
5	New York	402	62	66,912	$19.35B
6	Illinois	537	102	35,506	$15.08B
7	Ohio	361	88	57,304	$15.04B
8	Washington	281	39	28,431	$13.46B
9	New Jersey	308	21	31,583	$13.24B
10	Michigan	364	83	39,112	$12.61B
11	Colorado	401	63	26,375	$12.55B
12	Pennsylvania	374	67	34,047	$12.46B
13	North Carolina	326	100	21,683	$11.99B
14	Arizona	337	15	21,299	$10.53B
15	Minnesota	444	87	29,265	$9.84B
16	Wisconsin	426	72	24,931	$9.32B
17	Indiana	351	92	21,812	$8.09B
18	Missouri	444	114	18,690	$7.60B
19	Virginia	332	133	16,891	$7.28B
20	Utah	235	29	22,110	$7.26B
21	Massachusetts	309	14	31,984	$6.40B
22	Oregon	255	35	15,587	$6.14B
23	Tennessee	374	95	10,857	$5.59B
24	Maryland	268	24	16,065	$5.52B
25	South Carolina	275	46	9,411	$5.33B
26	Oklahoma	358	76	9,238	$4.31B
27	Connecticut	230	17	12,412	$4.00B
28	Nevada	259	17	9,013	$3.91B
29	Louisiana	263	64	8,580	$3.82B
30	Alabama	277	67	7,520	$3.80B
31	Kansas	343	104	8,289	$3.21B
32	Kentucky	267	120	9,067	$3.13B
33	Idaho	192	44	10,230	$3.09B
34	Mississippi	206	81	8,007	$3.00B
35	Arkansas	260	74	5,668	$2.93B
36	Iowa	416	99	8,041	$2.88B
37	Nebraska	257	87	6,713	$2.26B
38	New Mexico	205	33	4,875	$2.13B
39	New Hampshire	177	10	9,185	$1.81B
40	Montana	172	51	5,088	$1.66B
41	Rhode Island	135	5	5,430	$1.28B
42	Maine	130	16	6,132	$1.25B
43	Alaska	101	32	2,111	$1.14B
44	Puerto Rico	28	78	8,627	$1.11B
45	Delaware	138	3	2,990	$1.02B
46	North Dakota	159	53	3,181	$913.2M
47	South Dakota	164	65	2,808	$911.8M
48	West Virginia	141	55	3,046	$903.5M
49	Wyoming	160	23	1,963	$783.1M
50	Vermont	110	14	3,923	$730.9M
51	District of Columbia	130	1	1,917	$730.8M
52	Hawaii	119	4	4,818	$634.0M
53	U.S. Virgin Islands	26	3	221	$96.0M
54	Guam	9	1	611	$83.1M
55	Northern Mariana Islands	5	2	16	$9.9M
56	American Samoa	1	1	2	$185K
57	Micronesia	1	1	3	$161K
58	Marshall Islands	1	1	1	$75K
59	Palau	1	1	1	$10K

Largest 7(a) lenders in the country

Rank	Lender	Loans	Approved	Share	States	Loss rate
1	Live Oak Banking Company	18,048	$23.40B	5.44%	53	0.67%
2	The Huntington National Bank	85,758	$20.06B	4.66%	52	1.87%
3	Wells Fargo Bank National Association	62,492	$19.25B	4.47%	52	2.74%
4	U.S. Bank, National Association	49,959	$11.54B	2.68%	50	1.77%
5	JPMorgan Chase Bank, National Association	52,448	$9.08B	2.11%	50	3.26%
6	Celtic Bank Corporation	14,431	$7.34B	1.71%	53	2.42%
7	Byline Bank	6,569	$7.27B	1.69%	52	2.88%
8	Readycap Lending, LLC	12,926	$6.39B	1.48%	51	3.28%
9	Bank of Hope	14,359	$6.17B	1.43%	50	2.99%
10	Newtek Small Business Finance, Inc.	8,542	$6.06B	1.41%	53	1.91%
11	Newtek Bank, National Association	13,752	$5.68B	1.32%	52	0.01%
12	Enterprise Bank & Trust	5,391	$5.39B	1.25%	45	0.28%
13	PNC Bank, National Association	22,811	$5.30B	1.23%	49	2.95%
14	Columbia Bank	13,068	$5.22B	1.21%	49	2.66%
15	TD Bank, National Association	34,192	$5.14B	1.20%	35	3.57%
16	KeyBank National Association	13,953	$4.58B	1.06%	46	1.94%
17	Truist Bank	11,091	$4.57B	1.06%	35	2.88%
18	Manufacturers and Traders Trust Company	29,223	$3.88B	0.90%	28	3.52%
19	Fifth Third Bank	8,569	$3.78B	0.88%	45	2.79%
20	Metro City Bank	2,788	$3.63B	0.84%	41	0.59%
21	Bank of America, National Association	10,476	$3.24B	0.75%	49	1.75%
22	SouthState Bank, National Association	4,439	$3.16B	0.73%	45	1.41%
23	Harvest Small Business Finance, LLC	2,824	$3.16B	0.73%	46	0.13%
24	Pinnacle Bank	3,160	$3.05B	0.71%	37	2.26%
25	Northeast Bank	16,454	$3.02B	0.70%	53	3.07%
26	BMO Bank National Association	5,112	$3.01B	0.70%	36	1.09%
27	BayFirst National Bank	13,744	$2.92B	0.68%	52	6.89%
28	Zions Bank, A Division of	13,381	$2.90B	0.67%	31	3.09%
29	Banc of California	2,750	$2.87B	0.67%	51	2.50%
30	Commonwealth Business Bank	2,580	$2.81B	0.65%	46	0.45%
31	Open Bank	2,138	$2.76B	0.64%	41	0.11%
32	Beacon Bank and Trust	5,811	$2.75B	0.64%	46	1.53%
33	GBank	1,112	$2.75B	0.64%	43	0.26%
34	Old National Bank	4,444	$2.69B	0.62%	38	1.48%
35	Hanmi Bank	3,540	$2.69B	0.62%	40	2.45%
36	First Financial Bank	3,854	$2.66B	0.62%	48	1.13%
37	First Internet Bank of Indiana	2,124	$2.63B	0.61%	49	0.80%
38	United Midwest Savings Bank National Association	7,336	$2.59B	0.60%	52	3.10%
39	PCB Bank	2,715	$2.35B	0.55%	37	0.86%
40	United Community Bank	2,778	$2.30B	0.53%	48	1.65%
41	Regions Bank	3,087	$2.29B	0.53%	24	2.16%
42	First National Bank of Pennsylvania	3,265	$2.10B	0.49%	45	3.44%
43	First Bank of the Lake	2,520	$2.08B	0.48%	52	0.68%
44	Stearns Bank National Association	5,209	$2.04B	0.47%	51	3.93%
45	Fulton Bank, National Association	2,340	$1.94B	0.45%	19	1.57%
46	First-Citizens Bank & Trust Company	2,522	$1.93B	0.45%	45	3.67%
47	BankUnited, National Association	1,815	$1.85B	0.43%	48	3.19%
48	Ameris Bank	2,195	$1.81B	0.42%	45	2.70%
49	Bank Five Nine	2,840	$1.76B	0.41%	47	1.03%
50	Simmons Bank	4,586	$1.76B	0.41%	46	4.87%
51	East West Bank	2,744	$1.75B	0.41%	35	0.90%
52	US Metro Bank	1,046	$1.74B	0.40%	38	0.37%
53	Citizens Bank	2,206	$1.73B	0.40%	47	0.99%
54	Wallis Bank	1,371	$1.71B	0.40%	24	0.50%
55	NewBank	1,721	$1.60B	0.37%	13	1.95%
56	United Business Bank	1,635	$1.53B	0.36%	20	1.20%
57	The Bancorp Bank National Association	1,863	$1.52B	0.35%	49	1.92%
58	America First Federal Credit Union	2,018	$1.46B	0.34%	38	0.58%
59	First Merchants Bank	2,299	$1.46B	0.34%	49	1.74%
60	UMB Bank, National Association	3,473	$1.43B	0.33%	26	3.75%
61	Glacier Bank	4,077	$1.38B	0.32%	18	2.26%
62	Wilmington Savings Fund Society FSB	1,950	$1.32B	0.31%	34	1.88%
63	Midwest Regional Bank	1,514	$1.29B	0.30%	22	3.05%
64	First Bank	1,423	$1.27B	0.30%	44	2.33%
65	PromiseOne Bank	1,166	$1.24B	0.29%	33	0.73%
66	Gulf Coast Bank and Trust Company	1,976	$1.24B	0.29%	47	2.13%
67	Citizens Bank, National Association	8,255	$1.22B	0.28%	21	1.83%
68	TowneBank	1,445	$1.17B	0.27%	48	0.45%
69	HomeTrust Bank	1,049	$1.16B	0.27%	41	1.01%
70	First Commonwealth Bank	1,934	$1.15B	0.27%	39	0.84%
71	Pathward National Association	776	$1.14B	0.26%	47	0.50%
72	Citizens Business Bank National Association	1,778	$1.14B	0.26%	8	2.63%
73	VelocitySBA, LLC	10,892	$1.10B	0.26%	52	2.44%
74	FinWise Bank	1,050	$1.10B	0.26%	42	0.53%
75	T Bank, National Association	640	$1.08B	0.25%	45	1.28%
76	Busey Bank	1,223	$1.07B	0.25%	30	1.76%
77	Shoreham Bank	708	$1.04B	0.24%	48	1.42%
78	Eastern Bank	10,172	$1.03B	0.24%	9	2.91%
79	The Bank of Princeton	1,147	$1.03B	0.24%	19	1.97%
80	Renasant Bank	1,381	$1.02B	0.24%	19	2.71%
81	First Interstate Bank	2,525	$1.01B	0.23%	19	2.59%
82	Customers Bank	1,245	$1.01B	0.23%	46	1.57%
83	Capital One National Association	3,181	$996.7M	0.23%	51	4.42%
84	Happen Bank	1,016	$994.5M	0.23%	45	5.18%
85	Banner Bank	4,043	$961.8M	0.22%	14	1.93%
86	OakStar Bank	1,315	$950.5M	0.22%	16	2.94%
87	Webster Bank National Association	2,972	$936.9M	0.22%	13	1.15%
88	Capital Bank, National Association	1,186	$891.6M	0.21%	46	2.96%
89	Hanover Community Bank	689	$885.5M	0.21%	41	0.61%
90	First Western SBLC, LLC	552	$876.3M	0.20%	41	0.74%
91	Peoples Bank	1,102	$872.4M	0.20%	31	0.45%
92	Centerstone SBA Lending, Inc.	629	$849.0M	0.20%	42	0.05%
93	Community Banks of Colorado, A Division of NBH Bank	1,100	$843.5M	0.20%	17	1.34%
94	BancFirst	2,167	$827.0M	0.19%	14	1.15%
95	City National Bank	1,221	$826.9M	0.19%	23	0.48%
96	Meridian Bank	876	$797.5M	0.19%	33	0.41%
97	Port 51 Lending LLC	528	$795.5M	0.18%	44	0.00%
98	Provident Bank	1,124	$789.8M	0.18%	10	1.22%
99	IncredibleBank	834	$780.1M	0.18%	43	1.70%
100	Hana Small Business Lending, Inc.	864	$779.2M	0.18%	23	2.38%

3,714 lenders are on record: 2,816 banks, 544 credit unions and 354 non-depository lenders, which SBA licenses to write 7(a) without taking deposits. Share is of $430.38B approved nationally since fiscal year 2008.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.

The in-depth breakdown of any institution

These pages show what SBA publishes about one lender. Lynx puts it in context and asks what it means:

Where a loss rate stands. Against the median 7(a) lender and against a cohort of comparable banks, not on its own.
Whether share is rising or falling, county by county, and which markets were entered or have gone quiet.
Who is competing for the same counties, ranked by what they write there rather than by their national size.
How concentrated the book is, measured against lenders of similar reach so the figure means something.
Which loans arrived by acquisition, so a vintage is not credited to a charter that never wrote it.
The same rigour on the balance sheet — capital, liquidity, concentration and stress, printed into a board pack.

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