SBA 7(a) lenders in Napa, CA

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

Lenders

77 institutions have SBA 7(a) loans on record in Napa, together $304.0M across 514 loans. Live Oak Banking Company is the largest, with 18% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	41	$55.2M	18.2%	0.00%
2	Poppy Bank	20	$35.8M	11.8%	0.00%
3	Redwood CU	36	$24.1M	7.9%	4.96%
4	Wells Fargo Bank National Association	54	$22.2M	7.3%	2.34%
5	U.S. Bank, National Association	48	$15.1M	5.0%	1.20%
6	Columbia Bank	22	$11.8M	3.9%	5.04%
7	Celtic Bank Corporation	13	$11.5M	3.8%	0.00%
8	Pinnacle Bank	5	$10.1M	3.3%	0.00%
9	BMO Bank National Association	14	$8.7M	2.9%	0.00%
10	First Internet Bank of Indiana	2	$7.6M	2.5%	0.00%
11	VelocitySBA, LLC	18	$6.3M	2.1%	0.32%
12	JPMorgan Chase Bank, National Association	21	$6.3M	2.1%	5.30%
13	Mission Valley Bank	2	$6.3M	2.1%	0.00%
14	Northwest Bank	2	$5.0M	1.6%	0.00%
15	Harvest Small Business Finance, LLC	3	$4.8M	1.6%	0.00%
16	Exchange Bank	13	$4.7M	1.6%	3.44%
17	Citizens Business Bank National Association	7	$4.7M	1.5%	0.00%
18	Bank of Hope	2	$4.4M	1.4%	0.53%
19	Commonwealth Business Bank	1	$4.1M	1.4%	0.00%
20	Mechanics Bank	9	$3.4M	1.1%	0.00%
21	Summit State Bank	3	$3.0M	1.0%	0.00%
22	Byline Bank	3	$3.0M	1.0%	0.00%
23	The Bancorp Bank National Association	2	$2.7M	0.9%	0.00%
24	Commercial Bank of California	6	$2.7M	0.9%	0.00%
25	Newtek Bank, National Association	14	$2.7M	0.9%	0.00%
26	California Bank of Commerce, NA	4	$2.0M	0.7%	0.00%
27	Northeast Bank	18	$2.0M	0.7%	0.00%
28	Fremont Bank	3	$1.9M	0.6%	0.00%
29	West Coast Community Bank	4	$1.8M	0.6%	0.00%
30	Plumas Bank	8	$1.8M	0.6%	0.00%
31	Hana Small Business Lending, Inc.	1	$1.8M	0.6%	0.00%
32	BayFirst National Bank	12	$1.7M	0.6%	5.38%
33	Open Bank	4	$1.7M	0.5%	0.00%
34	City National Bank	2	$1.6M	0.5%	0.00%
35	SoFi Bank, National Association	4	$1.4M	0.5%	0.00%
36	Beacon Bank and Trust	1	$1.3M	0.4%	0.00%
37	Bank of America, National Association	9	$1.3M	0.4%	0.00%
38	The Huntington National Bank	6	$1.2M	0.4%	0.00%
39	First Bank of the Lake	3	$912K	0.3%	0.00%
40	Western Alliance Bank	1	$894K	0.3%	0.00%
41	First Merchants Bank	1	$812K	0.3%	0.00%
42	Enterprise Bank & Trust	2	$809K	0.3%	0.00%
43	Mortgage Capital Development Corporation	4	$780K	0.3%	7.88%
44	CDC Small Business Finance Corp.	6	$729K	0.2%	11.06%
45	US Metro Bank	3	$725K	0.2%	47.57%
46	Centerstone SBA Lending, Inc.	1	$700K	0.2%	0.00%
47	Unity Bank	4	$690K	0.2%	0.00%
48	SNB Bank National Association	1	$637K	0.2%	0.00%
49	Zions Bank, A Division of	5	$576K	0.2%	0.00%
50	Safe-Bidco	4	$545K	0.2%	0.00%
51	Citizens Bank	1	$528K	0.2%	0.00%
52	Five Star Bank	2	$500K	0.2%	0.00%
53	Banner Bank	1	$500K	0.2%	0.00%
54	Popular Bank	2	$494K	0.2%	0.00%
55	FWBank	1	$491K	0.2%	0.00%
56	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$483K	0.2%	0.00%
57	Lendistry SBLC, LLC	4	$409K	0.1%	0.00%
58	Readycap Lending, LLC	2	$404K	0.1%	0.00%
59	Leader Bank, National Association	1	$373K	0.1%	0.00%
60	CRF Small Business Loan Company, LLC	2	$300K	0.1%	0.00%
61	Independence Bank	2	$275K	0.1%	53.04%
62	Platinum Bank	2	$271K	0.1%	0.00%
63	Main Street Launch	3	$270K	0.1%	36.16%
64	Travis CU	1	$259K	0.1%	0.00%
65	Truliant FCU	1	$250K	0.1%	0.00%
66	Stearns Bank National Association	1	$250K	0.1%	0.00%
67	United Business Bank	1	$235K	0.1%	0.00%
68	Newtek Small Business Finance, Inc.	3	$230K	0.1%	0.00%
69	Vision One CU	1	$200K	0.1%	0.00%
70	Stone Bank	1	$150K	0.0%	0.00%
71	United Midwest Savings Bank National Association	1	$150K	0.0%	96.63%
72	Time Bank	1	$102K	0.0%	0.00%
73	First Financial Bank	1	$100K	0.0%	0.00%
74	Monterey County Bank	1	$90K	0.0%	0.00%
75	Citibank, N.A.	2	$61K	0.0%	0.00%
76	California FarmLink	1	$50K	0.0%	0.00%
77	Capital One National Association	1	$25K	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	85	$61.7M	20.3%
2	Manufacturing	49	$49.3M	16.2%
3	Health care & social assistance	54	$47.5M	15.6%
4	Retail trade	33	$23.1M	7.6%
5	Wholesale trade	34	$19.7M	6.5%
6	Professional & technical services	49	$14.9M	4.9%
7	Construction	53	$13.9M	4.6%
8	Other services	44	$12.8M	4.2%
9	Retail trade	17	$12.5M	4.1%
10	Manufacturing	13	$11.5M	3.8%
11	Agriculture, forestry & fishing	14	$10.5M	3.4%
12	Administrative & waste services	14	$5.9M	1.9%
13	Real estate & leasing	5	$4.5M	1.5%
14	Finance & insurance	8	$4.1M	1.4%
15	Manufacturing	7	$3.9M	1.3%
16	Educational services	9	$3.4M	1.1%
17	Transportation & warehousing	13	$1.5M	0.5%
18	Arts, entertainment & recreation	6	$1.4M	0.5%
19	Transportation & warehousing	2	$900K	0.3%
20	Management of companies	2	$880K	0.3%
21	Information	3	$365K	0.1%

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.