SBA 7(a) lenders in Monterey, CA

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

Lenders

93 institutions have SBA 7(a) loans on record in Monterey, together $636.2M across 1,037 loans. West Coast Community Bank is the largest, with 14% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	West Coast Community Bank	133	$87.3M	13.7%	0.37%
2	Monterey County Bank	212	$84.0M	13.2%	5.32%
3	Pinnacle Bank	31	$59.9M	9.4%	0.32%
4	Live Oak Banking Company	30	$38.4M	6.0%	0.00%
5	Wells Fargo Bank National Association	114	$33.2M	5.2%	0.24%
6	Columbia Bank	20	$24.5M	3.9%	0.00%
7	United Business Bank	16	$22.2M	3.5%	0.00%
8	U.S. Bank, National Association	46	$15.5M	2.4%	0.00%
9	Bank of Hope	21	$14.3M	2.2%	0.29%
10	JPMorgan Chase Bank, National Association	51	$13.8M	2.2%	0.76%
11	Open Bank	14	$13.7M	2.2%	0.00%
12	Commonwealth Business Bank	21	$13.0M	2.0%	0.00%
13	Citizens Business Bank National Association	8	$12.9M	2.0%	0.00%
14	East West Bank	9	$11.3M	1.8%	0.00%
15	Mechanics Bank	25	$10.6M	1.7%	4.23%
16	Hanmi Bank	9	$10.4M	1.6%	0.00%
17	Plumas Bank	13	$9.6M	1.5%	0.00%
18	Celtic Bank Corporation	11	$9.2M	1.4%	0.00%
19	Newtek Bank, National Association	8	$8.4M	1.3%	0.00%
20	Poppy Bank	5	$8.0M	1.3%	0.00%
21	PCB Bank	6	$7.6M	1.2%	0.00%
22	California Bank of Commerce	2	$7.4M	1.2%	0.00%
23	BMO Bank National Association	10	$6.4M	1.0%	0.00%
24	Byline Bank	3	$6.0M	0.9%	0.00%
25	US Metro Bank	3	$5.9M	0.9%	0.00%
26	Readycap Lending, LLC	9	$5.7M	0.9%	0.00%
27	FinWise Bank	2	$4.9M	0.8%	0.00%
28	Pacific Valley Bank	10	$4.8M	0.8%	13.12%
29	Commercial Bank of California	2	$4.8M	0.7%	0.00%
30	Fifth Third Bank	17	$4.5M	0.7%	0.00%
31	Grow America Fund, Incorporated	10	$4.5M	0.7%	0.00%
32	Enterprise Bank & Trust	2	$4.0M	0.6%	0.00%
33	HomeTrust Bank	1	$3.6M	0.6%	0.00%
34	Western Alliance Bank	2	$3.6M	0.6%	0.00%
35	First Business Bank	1	$3.5M	0.5%	0.00%
36	VelocitySBA, LLC	10	$3.3M	0.5%	0.36%
37	Patriot Bank, National Association	1	$3.3M	0.5%	0.00%
38	The Huntington National Bank	9	$3.0M	0.5%	0.00%
39	Northeast Bank	13	$2.8M	0.4%	1.81%
40	Centerstone SBA Lending, Inc.	3	$2.5M	0.4%	0.00%
41	United Midwest Savings Bank National Association	4	$2.4M	0.4%	0.00%
42	Lendistry SBLC, LLC	12	$2.4M	0.4%	0.00%
43	Bank of America, National Association	14	$2.4M	0.4%	3.33%
44	Summit State Bank	1	$2.0M	0.3%	0.00%
45	UMB Bank, National Association	1	$1.9M	0.3%	0.00%
46	City National Bank	3	$1.9M	0.3%	0.00%
47	KeyPoint CU	3	$1.8M	0.3%	0.00%
48	American Continental Bank	2	$1.6M	0.2%	0.00%
49	Mission Valley Bank	1	$1.6M	0.2%	0.00%
50	Newtek Small Business Finance, Inc.	4	$1.6M	0.2%	0.00%
51	Five Star Bank	3	$1.4M	0.2%	0.00%
52	BayFirst National Bank	9	$1.4M	0.2%	14.23%
53	First Internet Bank of Indiana	1	$1.3M	0.2%	0.00%
54	Hana Small Business Lending, Inc.	1	$1.3M	0.2%	0.00%
55	Port 51 Lending LLC	1	$1.2M	0.2%	0.00%
56	Sunflower Bank National Association	1	$1.1M	0.2%	0.00%
57	Sunwest Bank	2	$1.0M	0.2%	43.68%
58	Harvest Small Business Finance, LLC	2	$985K	0.2%	0.00%
59	Stearns Bank National Association	3	$967K	0.2%	0.00%
60	Happen Bank	1	$872K	0.1%	0.00%
61	CDC Small Business Finance Corp.	6	$866K	0.1%	4.61%
62	Royal Business Bank	2	$831K	0.1%	0.00%
63	Gulf Coast Bank and Trust Company	2	$752K	0.1%	0.00%
64	First Western SBLC, LLC	1	$700K	0.1%	0.00%
65	Coastal States Bank	1	$695K	0.1%	0.00%
66	CalPrivate Bank	1	$650K	0.1%	0.00%
67	Vision One CU	2	$610K	0.1%	0.00%
68	Citibank, N.A.	1	$575K	0.1%	0.00%
69	Home Bank of California	1	$575K	0.1%	0.00%
70	FFB Bank	5	$529K	0.1%	0.00%
71	California FarmLink	5	$495K	0.1%	5.67%
72	Exchange Bank	1	$460K	0.1%	0.00%
73	Simmons Bank	2	$440K	0.1%	0.00%
74	Integro Bank	1	$428K	0.1%	0.00%
75	OneWest Bank, A Division of	1	$376K	0.1%	0.00%
76	First Bank of the Lake	1	$350K	0.1%	0.00%
77	SBA CLSC Servicing	2	$348K	0.1%	0.00%
78	MVB Bank, Inc.	1	$329K	0.1%	0.00%
79	Cathay Bank	1	$320K	0.1%	0.00%
80	Bank of Bridger National Association	1	$315K	0.0%	0.00%
81	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$300K	0.0%	0.00%
82	Mortgage Capital Development Corporation	1	$279K	0.0%	0.00%
83	Capital Bank, National Association	1	$250K	0.0%	0.00%
84	Technology Credit Union	1	$244K	0.0%	0.00%
85	Coasthills Federal Credit Union	2	$186K	0.0%	0.00%
86	Florida Capital Bank, National Association	1	$165K	0.0%	0.00%
87	Seacoast National Bank	1	$150K	0.0%	0.00%
88	Santa Cruz Community Credit Union	2	$150K	0.0%	33.10%
89	California Coastal Certified Development Company	1	$140K	0.0%	0.00%
90	Zions Bank, A Division of	1	$100K	0.0%	0.00%
91	Capital One National Association	1	$50K	0.0%	98.00%
92	PNC Bank, National Association	2	$45K	0.0%	65.41%
93	Banner Bank	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	237	$230.6M	36.3%
2	Retail trade	165	$109.2M	17.2%
3	Health care & social assistance	96	$75.8M	11.9%
4	Other services	66	$26.4M	4.1%
5	Professional & technical services	62	$25.5M	4.0%
6	Retail trade	56	$22.3M	3.5%
7	Arts, entertainment & recreation	33	$21.4M	3.4%
8	Agriculture, forestry & fishing	35	$19.3M	3.0%
9	Manufacturing	30	$18.6M	2.9%
10	Real estate & leasing	20	$13.3M	2.1%
11	Wholesale trade	30	$13.0M	2.0%
12	Construction	64	$12.0M	1.9%
13	Transportation & warehousing	30	$9.8M	1.5%
14	Administrative & waste services	36	$9.5M	1.5%
15	Manufacturing	29	$8.5M	1.3%
16	Manufacturing	13	$7.9M	1.2%
17	Finance & insurance	18	$3.8M	0.6%
18	Educational services	7	$3.7M	0.6%
19	Transportation & warehousing	2	$3.4M	0.5%
20	Information	6	$1.9M	0.3%
21	Utilities	1	$250K	0.0%
22	Mining & extraction	1	$150K	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.