SBA 7(a) lenders in Kern, CA

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-09-30.

Lenders

128 institutions have SBA 7(a) loans on record in Kern, together $961.8M across 1,640 loans. Commonwealth Business Bank is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Commonwealth Business Bank	102	$70.0M	7.3%	0.00%
2	Celtic Bank Corporation	61	$62.4M	6.5%	0.77%
3	Open Bank	29	$46.0M	4.8%	0.00%
4	Enterprise Bank & Trust	37	$46.0M	4.8%	0.00%
5	Wells Fargo Bank National Association	211	$45.0M	4.7%	1.33%
6	Columbia Bank	36	$41.7M	4.3%	1.06%
7	Mission Bank	45	$39.8M	4.1%	0.50%
8	US Metro Bank	20	$34.9M	3.6%	0.00%
9	Bank of Hope	50	$31.5M	3.3%	3.63%
10	United Business Bank	20	$31.4M	3.3%	0.00%
11	U.S. Bank, National Association	130	$29.1M	3.0%	3.56%
12	JPMorgan Chase Bank, National Association	182	$28.9M	3.0%	2.56%
13	Live Oak Banking Company	21	$23.2M	2.4%	0.00%
14	Hanmi Bank	16	$23.1M	2.4%	9.03%
15	Readycap Lending, LLC	34	$22.2M	2.3%	0.32%
16	Harvest Small Business Finance, LLC	17	$16.9M	1.8%	0.00%
17	PCB Bank	13	$16.8M	1.7%	0.00%
18	Plumas Bank	18	$16.6M	1.7%	0.00%
19	East West Bank	14	$14.7M	1.5%	0.00%
20	Mega Bank	4	$12.8M	1.3%	0.00%
21	FFB Bank	16	$12.7M	1.3%	0.00%
22	Zions Bancorporation, National Association	40	$12.3M	1.3%	5.52%
23	Northeast Bank	34	$12.1M	1.3%	1.50%
24	Summit State Bank	3	$10.6M	1.1%	0.00%
25	Bank of the Sierra	34	$10.4M	1.1%	4.09%
26	New Omni Bank National Association	2	$10.0M	1.0%	0.00%
27	Customers Bank	7	$9.9M	1.0%	0.00%
28	Mechanics Bank	21	$9.6M	1.0%	0.00%
29	Citizens Business Bank National Association	12	$8.7M	0.9%	0.00%
30	Commercial Bank of California	5	$8.5M	0.9%	0.00%
31	Southwestern National Bank	5	$8.0M	0.8%	0.00%
32	Pinnacle Bank	5	$7.8M	0.8%	0.00%
33	Banc of California	10	$7.4M	0.8%	3.53%
34	Pacific Alliance Bank	2	$7.3M	0.8%	0.00%
35	Lendistry SBLC, LLC	23	$7.2M	0.8%	5.95%
36	T Bank, National Association	2	$7.2M	0.7%	0.00%
37	Mission Valley Bank	5	$7.1M	0.7%	0.00%
38	American Continental Bank	5	$6.9M	0.7%	0.00%
39	Bank of America, National Association	31	$6.8M	0.7%	2.24%
40	United Pacific Bank	3	$6.0M	0.6%	0.00%
41	CalPrivate Bank	8	$5.9M	0.6%	0.00%
42	First Bank	4	$5.7M	0.6%	0.00%
43	AltaOne FCU	11	$5.7M	0.6%	0.00%
44	Byline Bank	5	$5.7M	0.6%	0.00%
45	Newtek Small Business Finance, LLC	17	$4.8M	0.5%	2.85%
46	Valley First Federal Credit Union	6	$4.8M	0.5%	0.00%
47	Port 51 Lending LLC	3	$4.3M	0.4%	0.00%
48	United Community Bank	5	$4.1M	0.4%	0.00%
49	Newtek Bank, National Association	16	$4.1M	0.4%	0.00%
50	VelocitySBA, LLC	10	$3.9M	0.4%	0.39%
51	BMO Bank National Association	11	$3.9M	0.4%	0.00%
52	BayFirst National Bank	19	$3.6M	0.4%	11.21%
53	First Internet Bank of Indiana	3	$3.5M	0.4%	0.00%
54	Wallis Bank	5	$3.3M	0.3%	0.00%
55	The Huntington National Bank	11	$3.1M	0.3%	4.36%
56	Hana Small Business Lending, Inc.	3	$2.9M	0.3%	9.63%
57	SouthState Bank, National Association	2	$2.9M	0.3%	0.00%
58	Royal Business Bank	4	$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	0.2%	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	TowneBank	2	$1.6M	0.2%	0.00%
70	West Coast Community Bank	1	$1.6M	0.2%	0.00%
71	First Bank of the Lake	2	$1.5M	0.2%	9.44%
72	State Bank of India (California)	4	$1.4M	0.1%	0.00%
73	CRF Small Business Loan Company, LLC	1	$1.4M	0.1%	62.36%
74	First General Bank	2	$1.4M	0.1%	0.00%
75	First-Citizens Bank & Trust Company	1	$1.3M	0.1%	77.83%
76	Blue Ridge Bank National Association	1	$1.3M	0.1%	0.00%
77	Popular Bank	7	$1.3M	0.1%	45.00%
78	Tri Counties Bank	10	$1.3M	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	Fresno Community Development Financial Institution dba Access Plus Capital	8	$827K	0.1%	0.00%
85	Five Star Bank	2	$775K	0.1%	42.14%
86	California International Bank, A National Banking Association	1	$746K	0.1%	0.00%
87	Fifth Third Bank	3	$734K	0.1%	0.00%
88	PNC Bank, National Association	10	$691K	0.1%	3.27%
89	Citizens Bank	1	$675K	0.1%	0.00%
90	Genesis Bank	2	$620K	0.1%	0.00%
91	Kinecta FCU	1	$605K	0.1%	0.00%
92	Wachovia SBA Lending, Inc.	1	$595K	0.1%	0.00%
93	AMPAC Tri-State CDC, Inc.	4	$560K	0.1%	0.00%
94	Banner Bank	1	$551K	0.1%	0.00%
95	Citibank, N.A.	2	$545K	0.1%	0.00%
96	First Bank	4	$533K	0.1%	0.00%
97	Happen Bank	1	$510K	0.1%	0.00%
98	Pathward National Association	1	$505K	0.1%	0.00%
99	Golden Bank National Association	2	$473K	0.0%	0.00%
100	Florida Capital Bank, National Association	2	$470K	0.0%	0.00%
101	Woori America Bank	1	$450K	0.0%	0.00%
102	North State Bank	2	$384K	0.0%	0.00%
103	EverTrust Bank	1	$383K	0.0%	0.00%
104	Beal Bank USA	1	$381K	0.0%	0.00%
105	Bank Five Nine	1	$377K	0.0%	0.00%
106	City National Bank of Florida	1	$350K	0.0%	0.00%
107	Vision One CU	1	$350K	0.0%	0.00%
108	American Riviera Bank	1	$300K	0.0%	0.00%
109	Capital Bank, National Association	1	$300K	0.0%	0.00%
110	Simmons Bank	1	$275K	0.0%	0.00%
111	Capital One National Association	7	$260K	0.0%	31.77%
112	Valley Economic Development Corp.	2	$250K	0.0%	0.00%
113	Sunwest Bank	1	$250K	0.0%	0.00%
114	Partners Bank of California	1	$240K	0.0%	0.00%
115	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$228K	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	Colony Bank	1	$100K	0.0%	0.00%
122	Main Street Launch	1	$100K	0.0%	91.44%
123	California FarmLink	1	$82K	0.0%	0.00%
124	SoFi Bank, National Association	1	$79K	0.0%	0.00%
125	Accion Opportunity Fund Community Development	1	$75K	0.0%	0.00%
126	Small Business Bank	1	$50K	0.0%	0.00%
127	Business Loan Center, LLC	1	$50K	0.0%	98.51%
128	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	280	$286.0M	29.7%
2	Retail trade	234	$159.0M	16.5%
3	Retail trade	107	$114.4M	11.9%
4	Health care & social assistance	145	$100.6M	10.5%
5	Other services	104	$48.3M	5.0%
6	Transportation & warehousing	196	$43.3M	4.5%
7	Construction	143	$38.4M	4.0%
8	Wholesale trade	73	$32.7M	3.4%
9	Real estate & leasing	34	$29.0M	3.0%
10	Professional & technical services	113	$27.6M	2.9%
11	Administrative & waste services	49	$17.8M	1.8%
12	Agriculture, forestry & fishing	35	$13.1M	1.4%
13	Arts, entertainment & recreation	32	$12.3M	1.3%
14	Manufacturing	26	$12.2M	1.3%
15	Finance & insurance	21	$8.3M	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.