SBA 7(a) lenders in Kern, CA

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

Lenders

129 institutions have SBA 7(a) loans on record in Kern, together $932.9M across 1,613 loans. Commonwealth Business Bank is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Commonwealth Business Bank	101	$68.9M	7.4%	0.00%
2	Celtic Bank Corporation	60	$60.9M	6.5%	0.78%
3	Enterprise Bank & Trust	37	$46.0M	4.9%	0.00%
4	Wells Fargo Bank National Association	211	$45.0M	4.8%	1.32%
5	Open Bank	27	$41.9M	4.5%	0.00%
6	Columbia Bank	35	$41.7M	4.5%	1.07%
7	Mission Bank	45	$39.8M	4.3%	0.50%
8	US Metro Bank	20	$34.9M	3.7%	0.00%
9	United Business Bank	20	$31.4M	3.4%	0.00%
10	Bank of Hope	48	$30.8M	3.3%	3.71%
11	JPMorgan Chase Bank, National Association	181	$28.9M	3.1%	2.56%
12	U.S. Bank, National Association	126	$27.0M	2.9%	3.76%
13	Hanmi Bank	15	$22.4M	2.4%	9.35%
14	Readycap Lending, LLC	34	$22.2M	2.4%	0.32%
15	Live Oak Banking Company	20	$21.1M	2.3%	0.00%
16	Harvest Small Business Finance, LLC	17	$16.9M	1.8%	0.00%
17	PCB Bank	13	$16.8M	1.8%	0.00%
18	Plumas Bank	17	$16.1M	1.7%	0.00%
19	FFB Bank	16	$12.7M	1.4%	0.00%
20	Zions Bank, A Division of	39	$12.1M	1.3%	5.59%
21	Northeast Bank	33	$12.0M	1.3%	1.39%
22	Summit State Bank	3	$10.6M	1.1%	0.00%
23	Bank of the Sierra	34	$10.4M	1.1%	4.09%
24	East West Bank	13	$10.3M	1.1%	0.00%
25	New Omni Bank National Association	2	$10.0M	1.1%	0.00%
26	Customers Bank	7	$9.9M	1.1%	0.00%
27	Mechanics Bank	21	$9.6M	1.0%	0.00%
28	Citizens Business Bank National Association	12	$8.7M	0.9%	0.00%
29	Commercial Bank of California	5	$8.5M	0.9%	0.00%
30	Southwestern National Bank	5	$8.0M	0.9%	0.00%
31	Pinnacle Bank	5	$7.8M	0.8%	0.00%
32	Banc of California	10	$7.4M	0.8%	3.53%
33	Pacific Alliance Bank	2	$7.3M	0.8%	0.00%
34	T Bank, National Association	2	$7.2M	0.8%	0.00%
35	Mission Valley Bank	5	$7.1M	0.8%	0.00%
36	Lendistry SBLC, LLC	21	$7.1M	0.8%	6.03%
37	American Continental Bank	5	$6.9M	0.7%	0.00%
38	Bank of America, National Association	31	$6.8M	0.7%	2.24%
39	CalPrivate Bank	8	$5.9M	0.6%	0.00%
40	United Pacific Bank	2	$5.8M	0.6%	0.00%
41	First Bank	4	$5.7M	0.6%	0.00%
42	AltaOne FCU	11	$5.7M	0.6%	0.00%
43	Byline Bank	5	$5.7M	0.6%	0.00%
44	Newtek Small Business Finance, Inc.	17	$4.8M	0.5%	2.85%
45	Valley First Federal Credit Union	6	$4.8M	0.5%	0.00%
46	Port 51 Lending LLC	3	$4.3M	0.5%	0.00%
47	United Community Bank	5	$4.1M	0.4%	0.00%
48	VelocitySBA, LLC	10	$3.9M	0.4%	0.39%
49	BMO Bank National Association	11	$3.9M	0.4%	0.00%
50	BayFirst National Bank	19	$3.6M	0.4%	11.21%
51	First Internet Bank of Indiana	3	$3.5M	0.4%	0.00%
52	Wallis Bank	5	$3.3M	0.4%	0.00%
53	Newtek Bank, National Association	13	$3.1M	0.3%	0.00%
54	The Huntington National Bank	11	$3.1M	0.3%	4.36%
55	Hana Small Business Lending, Inc.	3	$2.9M	0.3%	9.63%
56	SouthState Bank, National Association	2	$2.9M	0.3%	0.00%
57	Royal Business Bank	4	$2.8M	0.3%	0.00%
58	Mega Bank	2	$2.8M	0.3%	0.00%
59	Beacon Business Bank National Association	2	$2.8M	0.3%	0.00%
60	United Midwest Savings Bank National Association	7	$2.5M	0.3%	0.00%
61	Centerstone SBA Lending, Inc.	3	$2.5M	0.3%	0.00%
62	PromiseOne Bank	2	$2.4M	0.3%	0.00%
63	American Plus Bank National Association	1	$2.3M	0.2%	0.00%
64	CDC Small Business Finance Corp.	12	$2.0M	0.2%	16.09%
65	Ameris Bank	1	$1.8M	0.2%	0.00%
66	Poppy Bank	1	$1.8M	0.2%	0.00%
67	Community West Bank	5	$1.7M	0.2%	0.00%
68	Stearns Bank National Association	4	$1.6M	0.2%	12.29%
69	West Coast Community Bank	1	$1.6M	0.2%	0.00%
70	First Bank of the Lake	2	$1.5M	0.2%	0.00%
71	State Bank of India (California)	4	$1.4M	0.2%	0.00%
72	CRF Small Business Loan Company, LLC	1	$1.4M	0.2%	62.36%
73	First General Bank	2	$1.4M	0.1%	0.00%
74	First-Citizens Bank & Trust Company	1	$1.3M	0.1%	77.83%
75	Blue Ridge Bank National Association	1	$1.3M	0.1%	0.00%
76	Popular Bank	7	$1.3M	0.1%	45.00%
77	Tri Counties Bank	10	$1.3M	0.1%	0.00%
78	TowneBank	1	$1.2M	0.1%	0.00%
79	UMB Bank, National Association	4	$1.1M	0.1%	0.00%
80	First Pryority Bank	2	$1.1M	0.1%	0.00%
81	Independence Bank	9	$1.0M	0.1%	22.28%
82	Legacy Bank	1	$950K	0.1%	0.00%
83	Shinhan Bank America	3	$835K	0.1%	0.00%
84	Five Star Bank	2	$775K	0.1%	42.14%
85	California International Bank, A National Banking Association	1	$746K	0.1%	0.00%
86	Fifth Third Bank	3	$734K	0.1%	0.00%
87	Fresno Community Development Financial Institution dba Access Plus Capital	7	$721K	0.1%	0.00%
88	PNC Bank, National Association	10	$691K	0.1%	3.27%
89	SMBC MANUBANK	2	$686K	0.1%	0.00%
90	Citizens Bank	1	$675K	0.1%	0.00%
91	Genesis Bank	2	$620K	0.1%	0.00%
92	Kinecta FCU	1	$605K	0.1%	0.00%
93	Wachovia SBA Lending, Inc.	1	$595K	0.1%	0.00%
94	AMPAC Tri-State CDC, Inc.	4	$560K	0.1%	0.00%
95	Banner Bank	1	$551K	0.1%	0.00%
96	Citibank, N.A.	2	$545K	0.1%	0.00%
97	First Bank	4	$533K	0.1%	0.00%
98	Happen Bank	1	$510K	0.1%	0.00%
99	Pathward National Association	1	$505K	0.1%	0.00%
100	Golden Bank National Association	2	$473K	0.1%	0.00%
101	Florida Capital Bank, National Association	2	$470K	0.1%	0.00%
102	Woori America Bank	1	$450K	0.0%	0.00%
103	North State Bank	2	$384K	0.0%	0.00%
104	EverTrust Bank	1	$383K	0.0%	0.00%
105	Beal Bank USA	1	$381K	0.0%	0.00%
106	Bank Five Nine	1	$377K	0.0%	0.00%
107	Vision One CU	1	$350K	0.0%	0.00%
108	City National Bank of Florida	1	$350K	0.0%	0.00%
109	American Riviera Bank	1	$300K	0.0%	0.00%
110	Capital Bank, National Association	1	$300K	0.0%	0.00%
111	Simmons Bank	1	$275K	0.0%	0.00%
112	Capital One National Association	7	$260K	0.0%	31.77%
113	Sunwest Bank	1	$250K	0.0%	0.00%
114	Valley Economic Development Corp.	2	$250K	0.0%	0.00%
115	Partners Bank of California	1	$240K	0.0%	0.00%
116	Legacy Bank	1	$215K	0.0%	0.00%
117	California Coastal Certified Development Company	1	$180K	0.0%	0.00%
118	America First Federal Credit Union	1	$172K	0.0%	0.00%
119	Prestamos CDFI, LLC	2	$125K	0.0%	56.67%
120	Seacoast National Bank	1	$120K	0.0%	39.58%
121	Main Street Launch	1	$100K	0.0%	91.44%
122	Colony Bank	1	$100K	0.0%	0.00%
123	California FarmLink	1	$82K	0.0%	0.00%
124	SoFi Bank, National Association	1	$79K	0.0%	0.00%
125	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$78K	0.0%	0.00%
126	Accion Opportunity Fund Community Development	1	$75K	0.0%	0.00%
127	Small Business Bank	1	$50K	0.0%	0.00%
128	Business Loan Center, LLC	1	$50K	0.0%	98.51%
129	California Bank of Commerce, NA	1	$30K	0.0%	0.00%

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	272	$280.0M	30.0%
2	Retail trade	232	$158.4M	17.0%
3	Retail trade	104	$107.5M	11.5%
4	Health care & social assistance	141	$88.4M	9.5%
5	Other services	103	$46.4M	5.0%
6	Transportation & warehousing	195	$42.8M	4.6%
7	Construction	140	$38.1M	4.1%
8	Wholesale trade	73	$32.7M	3.5%
9	Professional & technical services	113	$31.9M	3.4%
10	Real estate & leasing	34	$29.0M	3.1%
11	Administrative & waste services	47	$13.2M	1.4%
12	Agriculture, forestry & fishing	34	$13.0M	1.4%
13	Arts, entertainment & recreation	31	$12.2M	1.3%
14	Manufacturing	26	$12.2M	1.3%
15	Finance & insurance	20	$8.2M	0.9%
16	Manufacturing	8	$7.6M	0.8%
17	Educational services	11	$4.9M	0.5%
18	Mining & extraction	8	$2.2M	0.2%
19	Manufacturing	4	$1.5M	0.2%
20	Information	8	$1.3M	0.1%
21	Transportation & warehousing	5	$971K	0.1%
22	Utilities	2	$200K	0.0%
23	Public administration	1	$135K	0.0%
24	Management of companies	1	$50K	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.