SBA 7(a) lenders in Baldwin, AL

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

85 institutions have SBA 7(a) loans on record in Baldwin, together $271.5M across 552 loans. Live Oak Banking Company is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	27	$34.7M	12.8%	0.00%
2	PNC Bank, National Association	92	$23.5M	8.7%	0.54%
3	SouthState Bank, National Association	15	$17.8M	6.6%	0.00%
4	Regions Bank	12	$11.8M	4.3%	0.52%
5	Pinnacle Bank	5	$8.5M	3.1%	0.00%
6	Readycap Lending, LLC	18	$7.8M	2.9%	4.01%
7	The Bancorp Bank National Association	6	$7.4M	2.7%	0.00%
8	Hancock Whitney Bank	21	$6.3M	2.3%	4.71%
9	Byline Bank	2	$6.1M	2.3%	0.00%
10	The Huntington National Bank	17	$6.0M	2.2%	0.00%
11	United Community Bank	5	$5.8M	2.1%	0.00%
12	Banesco USA	2	$5.5M	2.0%	0.00%
13	United Midwest Savings Bank National Association	17	$5.4M	2.0%	8.44%
14	North State Bank	2	$5.4M	2.0%	0.00%
15	Truist Bank	3	$5.2M	1.9%	0.00%
16	Bankwell Bank	1	$5.0M	1.8%	0.00%
17	Newtek Bank, National Association	16	$4.9M	1.8%	0.00%
18	American Bank	2	$4.8M	1.8%	0.00%
19	Northeast Bank	16	$4.7M	1.7%	10.63%
20	ServisFirst Bank	5	$4.5M	1.7%	0.00%
21	Centennial Bank	3	$4.3M	1.6%	0.00%
22	First Horizon Bank	5	$4.1M	1.5%	0.00%
23	Celtic Bank Corporation	7	$4.0M	1.5%	0.00%
24	United Bank	43	$3.4M	1.3%	4.68%
25	The MINT National Bank	1	$3.4M	1.3%	0.00%
26	22nd State Bank, A Division of 22nd State Banking Company	4	$3.4M	1.2%	0.00%
27	Community Bank of Mississippi	21	$3.1M	1.2%	0.00%
28	Oakworth Capital Bank	2	$3.1M	1.1%	0.00%
29	Wells Fargo Bank National Association	56	$3.0M	1.1%	3.06%
30	Wilmington Savings Fund Society FSB	2	$2.9M	1.1%	0.00%
31	BankUnited, National Association	1	$2.8M	1.0%	0.00%
32	FirstBank	1	$2.7M	1.0%	0.00%
33	Lender 2057189	3	$2.6M	1.0%	0.00%
34	BayFirst National Bank	11	$2.5M	0.9%	16.95%
35	Farmers State Bank of Alto Pass, Illinois	1	$2.4M	0.9%	0.00%
36	American Pride Bank	1	$2.4M	0.9%	0.00%
37	Happen Bank	1	$2.3M	0.9%	0.00%
38	Merchants & Marine Bank	4	$2.2M	0.8%	0.00%
39	HomeTrust Bank	1	$1.8M	0.7%	0.00%
40	Lender 2582371	1	$1.8M	0.7%	0.00%
41	NobleBank & Trust	2	$1.8M	0.7%	0.00%
42	SmartBank	1	$1.8M	0.6%	0.00%
43	VelocitySBA, LLC	5	$1.7M	0.6%	0.54%
44	Peoples Bank	1	$1.7M	0.6%	0.00%
45	River Bank and Trust	2	$1.6M	0.6%	0.00%
46	Unity Bank	1	$1.5M	0.6%	82.41%
47	Renasant Bank	6	$1.4M	0.5%	15.24%
48	Customers Bank	3	$1.4M	0.5%	0.00%
49	Stearns Bank National Association	8	$1.3M	0.5%	0.00%
50	PromiseOne Bank	2	$1.1M	0.4%	0.00%
51	First Bank of Central Ohio	1	$1.1M	0.4%	0.00%
52	First Bank	1	$1.0M	0.4%	68.27%
53	Coastal States Bank	2	$960K	0.4%	0.00%
54	First Bank of the Lake	2	$842K	0.3%	0.00%
55	Citizens Bank	2	$804K	0.3%	0.00%
56	Ameris Bank	1	$800K	0.3%	0.00%
57	BankFirst Financial Services	4	$800K	0.3%	0.00%
58	BankPlus	4	$766K	0.3%	43.23%
59	Independence Bank	5	$750K	0.3%	37.92%
60	Metro City Bank	1	$703K	0.3%	0.00%
61	US Metro Bank	1	$654K	0.2%	0.00%
62	Trustmark Bank	3	$648K	0.2%	0.00%
63	First Internet Bank of Indiana	1	$573K	0.2%	0.00%
64	ConnectOne Bank	2	$565K	0.2%	0.00%
65	FDIC - Community Bank & Trust-West Georgia	1	$519K	0.2%	0.00%
66	Lendistry SBLC, LLC	3	$498K	0.2%	0.00%
67	Troy Bank & Trust Company	1	$436K	0.2%	0.00%
68	Georgia Banking Company	1	$435K	0.2%	0.00%
69	U.S. Bank, National Association	1	$424K	0.2%	0.00%
70	First Financial Bank	1	$350K	0.1%	0.00%
71	Columbia Bank	11	$345K	0.1%	46.02%
72	Gulf Coast Bank and Trust Company	1	$343K	0.1%	0.00%
73	Merchants Bank of Indiana	1	$300K	0.1%	0.00%
74	First Bank	1	$297K	0.1%	0.00%
75	Bryant Bank	1	$279K	0.1%	0.00%
76	The Citizens National Bank of Meridian	1	$256K	0.1%	0.00%
77	CRF Small Business Loan Company, LLC	1	$235K	0.1%	0.00%
78	Peoples Bank of Alabama	1	$228K	0.1%	0.00%
79	Community West Bank	1	$219K	0.1%	0.00%
80	Five Star Bank	1	$200K	0.1%	0.00%
81	Sabre Finance	3	$176K	0.1%	0.00%
82	PriorityOne Bank	1	$140K	0.1%	79.63%
83	Redstone FCU	3	$127K	0.0%	38.90%
84	Commonwealth National Bank	1	$80K	0.0%	0.00%
85	Bank of Hope	2	$75K	0.0%	88.89%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	95	$59.3M	21.8%
2	Retail trade	56	$29.6M	10.9%
3	Construction	72	$24.0M	8.9%
4	Retail trade	36	$22.5M	8.3%
5	Other services	35	$21.8M	8.0%
6	Health care & social assistance	38	$19.5M	7.2%
7	Professional & technical services	44	$16.6M	6.1%
8	Administrative & waste services	39	$15.6M	5.7%
9	Manufacturing	13	$15.5M	5.7%
10	Arts, entertainment & recreation	19	$12.2M	4.5%
11	Real estate & leasing	26	$9.0M	3.3%
12	Manufacturing	14	$8.3M	3.0%
13	Wholesale trade	17	$5.5M	2.0%
14	Transportation & warehousing	24	$4.2M	1.5%
15	Agriculture, forestry & fishing	6	$3.5M	1.3%
16	Finance & insurance	7	$2.6M	1.0%
17	Information	4	$1.2M	0.5%
18	Manufacturing	2	$201K	0.1%
19	Management of companies	1	$149K	0.1%
20	Educational services	2	$136K	0.1%
21	Mining & extraction	1	$15K	0.0%
22	Transportation & warehousing	1	$10K	0.0%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

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.