SBA 7(a) lenders in Sacramento, CA

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

Lenders

170 institutions have SBA 7(a) loans on record in Sacramento, together $2.26B across 4,790 loans. Wells Fargo Bank National Association is the largest, with 10% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Wells Fargo Bank National Association	597	$225.3M	10.0%	1.34%
2	Enterprise Bank & Trust	188	$141.3M	6.3%	0.00%
3	U.S. Bank, National Association	659	$131.5M	5.8%	0.98%
4	Plumas Bank	146	$104.9M	4.6%	1.19%
5	Live Oak Banking Company	82	$100.2M	4.4%	0.54%
6	Columbia Bank	154	$94.6M	4.2%	1.96%
7	Celtic Bank Corporation	91	$86.0M	3.8%	1.35%
8	Harvest Small Business Finance, LLC	80	$83.3M	3.7%	0.00%
9	Pinnacle Bank	41	$65.1M	2.9%	0.00%
10	BMO Bank National Association	79	$61.4M	2.7%	1.44%
11	Open Bank	38	$50.3M	2.2%	0.00%
12	Summit State Bank	21	$47.5M	2.1%	0.00%
13	Five Star Bank	132	$47.3M	2.1%	2.10%
14	Readycap Lending, LLC	71	$43.0M	1.9%	1.29%
15	SoFi Bank, National Association	49	$37.6M	1.7%	0.83%
16	US Metro Bank	20	$36.9M	1.6%	0.00%
17	First-Citizens Bank & Trust Company	34	$33.6M	1.5%	1.93%
18	Banner Bank	129	$33.0M	1.5%	0.34%
19	JPMorgan Chase Bank, National Association	246	$31.5M	1.4%	3.35%
20	Newtek Bank, National Association	79	$26.8M	1.2%	0.00%
21	United Business Bank	28	$26.0M	1.2%	3.17%
22	SAFE CU	266	$24.4M	1.1%	3.06%
23	Exchange Bank	38	$23.8M	1.1%	0.00%
24	Newtek Small Business Finance, Inc.	41	$22.3M	1.0%	3.11%
25	Zions Bank, A Division of	63	$21.8M	1.0%	2.39%
26	Tri Counties Bank	61	$20.2M	0.9%	1.33%
27	The Huntington National Bank	70	$19.9M	0.9%	0.79%
28	Poppy Bank	20	$18.5M	0.8%	0.54%
29	Banc of California	13	$18.5M	0.8%	0.00%
30	Stearns Bank National Association	27	$17.4M	0.8%	0.00%
31	Northeast Bank	108	$17.2M	0.8%	0.79%
32	Bank of America, National Association	65	$17.1M	0.8%	1.72%
33	Community West Bank	44	$16.6M	0.7%	3.19%
34	Genesis Bank	15	$16.3M	0.7%	16.65%
35	Citizens Business Bank National Association	30	$15.2M	0.7%	1.13%
36	United Midwest Savings Bank National Association	23	$15.0M	0.7%	0.63%
37	CalPrivate Bank	11	$14.4M	0.6%	0.00%
38	Byline Bank	16	$14.2M	0.6%	2.63%
39	BayFirst National Bank	75	$13.5M	0.6%	7.28%
40	Bank of Hope	77	$13.2M	0.6%	20.18%
41	West Coast Community Bank	14	$11.9M	0.5%	4.39%
42	First Bank	12	$11.9M	0.5%	1.24%
43	IncredibleBank	4	$11.7M	0.5%	0.00%
44	Commonwealth Business Bank	6	$11.6M	0.5%	0.00%
45	Fifth Third Bank	12	$11.3M	0.5%	10.35%
46	First U.S. Community CU	58	$10.6M	0.5%	5.48%
47	Sunflower Bank National Association	21	$10.3M	0.5%	0.00%
48	GBank	4	$10.0M	0.4%	0.00%
49	First General Bank	4	$9.3M	0.4%	0.00%
50	Cathay Bank	3	$9.3M	0.4%	0.00%
51	Royal Business Bank	4	$8.5M	0.4%	0.00%
52	CDC Small Business Finance Corp.	55	$8.0M	0.4%	7.48%
53	East West Bank	8	$7.8M	0.3%	0.00%
54	Lendistry SBLC, LLC	41	$7.6M	0.3%	0.00%
55	Pathward National Association	4	$7.5M	0.3%	0.00%
56	First Business Bank	6	$7.5M	0.3%	0.00%
57	Grow America Fund, Incorporated	10	$7.0M	0.3%	0.00%
58	City National Bank	8	$6.7M	0.3%	0.00%
59	Citizens Bank	13	$6.2M	0.3%	11.66%
60	PNC Bank, National Association	31	$6.2M	0.3%	2.31%
61	Centerstone SBA Lending, Inc.	3	$6.2M	0.3%	0.00%
62	First Bank of the Lake	12	$6.1M	0.3%	0.00%
63	American Continental Bank	3	$5.8M	0.3%	0.00%
64	Port 51 Lending LLC	3	$5.7M	0.3%	0.00%
65	Commercial Bank of California	5	$5.7M	0.3%	0.00%
66	EverBank National Association	1	$5.0M	0.2%	0.00%
67	Citizens & Northern Bank	1	$5.0M	0.2%	0.00%
68	Peapack Private Bank and Trust	1	$5.0M	0.2%	0.00%
69	Capital Bank, National Association	4	$4.9M	0.2%	0.00%
70	Colony Bank	6	$4.9M	0.2%	0.00%
71	River City Bank	6	$4.8M	0.2%	0.00%
72	Southwestern National Bank	2	$4.8M	0.2%	0.00%
73	FFB Bank	9	$4.8M	0.2%	0.00%
74	Peoples Bank and Trust Company	2	$4.8M	0.2%	0.00%
75	Truliant FCU	1	$4.8M	0.2%	0.00%
76	Mechanics Bank	15	$4.6M	0.2%	4.33%
77	Gulf Coast Bank and Trust Company	6	$4.5M	0.2%	0.00%
78	United Community Bank	5	$4.4M	0.2%	0.00%
79	Luminate Bank	1	$4.3M	0.2%	0.00%
80	Banesco USA	7	$4.2M	0.2%	0.00%
81	Fremont Bank	2	$4.2M	0.2%	0.00%
82	Main Street Launch	20	$4.1M	0.2%	13.10%
83	Popular Bank	15	$4.1M	0.2%	49.76%
84	Beneficial State Bank	7	$4.0M	0.2%	0.00%
85	VelocitySBA, LLC	59	$3.9M	0.2%	5.18%
86	First Northern Bank of Dixon	7	$3.5M	0.2%	9.30%
87	California Statewide Certified Development Corporation	21	$3.5M	0.2%	7.67%
88	Citibank, N.A.	20	$3.3M	0.1%	0.46%
89	Frontwave Credit Union	1	$3.2M	0.1%	0.00%
90	Simmons Bank	13	$3.2M	0.1%	0.00%
91	Hana Small Business Lending, Inc.	3	$3.1M	0.1%	0.00%
92	Western Alliance Bank	3	$3.1M	0.1%	0.00%
93	Beacon Bank and Trust	4	$3.1M	0.1%	0.00%
94	Customers Bank	2	$2.8M	0.1%	0.00%
95	Beacon Business Bank National Association	1	$2.8M	0.1%	0.00%
96	America First Federal Credit Union	6	$2.8M	0.1%	0.00%
97	Grasshopper Bank National Association	1	$2.8M	0.1%	0.00%
98	KeyBank National Association	5	$2.7M	0.1%	0.00%
99	Hanover Community Bank	3	$2.7M	0.1%	0.00%
100	Hanmi Bank	5	$2.6M	0.1%	0.00%
101	Heritage Bank Inc	3	$2.6M	0.1%	0.00%
102	T Bank, National Association	3	$2.6M	0.1%	0.00%
103	First Bank	5	$2.4M	0.1%	0.00%
104	The Bancorp Bank National Association	4	$2.4M	0.1%	0.00%
105	Monterey County Bank	1	$2.2M	0.1%	0.00%
106	CRF Small Business Loan Company, LLC	1	$2.1M	0.1%	0.00%
107	Merchants Bank of Indiana	1	$2.1M	0.1%	0.00%
108	Vision One CU	4	$1.9M	0.1%	0.00%
109	First Internet Bank of Indiana	2	$1.8M	0.1%	0.00%
110	CenTrust Bank, A Division of SmartBiz Bank National Association	8	$1.8M	0.1%	0.00%
111	First Merchants Bank	5	$1.7M	0.1%	8.75%
112	Travis CU	2	$1.6M	0.1%	0.00%
113	Business Lenders, LLC	1	$1.6M	0.1%	0.00%
114	KeyPoint CU	3	$1.6M	0.1%	22.13%
115	Evolve Bank and Trust	2	$1.6M	0.1%	0.00%
116	American Momentum Bank	2	$1.5M	0.1%	0.00%
117	22nd State Bank, A Division of 22nd State Banking Company	2	$1.4M	0.1%	0.00%
118	Patriot Bank, National Association	1	$1.4M	0.1%	0.00%
119	AMPAC Tri-State CDC, Inc.	7	$1.3M	0.1%	0.00%
120	Woori America Bank	1	$1.1M	0.0%	0.00%
121	Shoreham Bank	1	$1.1M	0.0%	0.00%
122	FinWise Bank	1	$1.1M	0.0%	0.00%
123	FWBank	2	$1.1M	0.0%	0.00%
124	BankUnited, National Association	2	$1.1M	0.0%	0.00%
125	North State Bank	2	$1.0M	0.0%	0.00%
126	Farmers and Merchants Bank of Central California	6	$1.0M	0.0%	0.00%
127	Oak Valley Community Bank	2	$1.0M	0.0%	0.00%
128	Cache Valley Bank	1	$1.0M	0.0%	0.00%
129	UMB Bank, National Association	3	$924K	0.0%	0.00%
130	Sacramento Credit Union	2	$924K	0.0%	1.03%
131	Mega Bank	1	$900K	0.0%	0.00%
132	Happen Bank	2	$882K	0.0%	17.82%
133	Mission Valley Bank	1	$837K	0.0%	0.00%
134	PCB Bank	2	$837K	0.0%	4.77%
135	Independence Bank	6	$825K	0.0%	16.79%
136	First Financial Bank	2	$800K	0.0%	0.00%
137	YOLO FCU	2	$759K	0.0%	0.00%
138	Paragon Bank	1	$750K	0.0%	0.00%
139	Bank of San Francisco	1	$744K	0.0%	0.00%
140	First Bank of Central Ohio	1	$682K	0.0%	0.00%
141	Ameris Bank	2	$655K	0.0%	0.00%
142	National Cooperative Bank, National Association	1	$600K	0.0%	0.00%
143	First Utah Bank	1	$564K	0.0%	0.00%
144	Magnifi Financial CU	2	$550K	0.0%	0.00%
145	Southern Bank	2	$547K	0.0%	0.00%
146	SouthState Bank, National Association	1	$515K	0.0%	0.00%
147	Mortgage Capital Development Corporation	2	$500K	0.0%	0.00%
148	Capital One National Association	13	$490K	0.0%	64.85%
149	Safe-Bidco	3	$489K	0.0%	0.00%
150	TowneBank	2	$467K	0.0%	0.00%
151	Northbrook Bank & Trust Company, National Association	2	$460K	0.0%	90.45%
152	SMBC MANUBANK	1	$382K	0.0%	0.00%
153	Seacoast National Bank	2	$350K	0.0%	0.00%
154	Community Banks of Colorado, A Division of NBH Bank	2	$350K	0.0%	0.00%
155	City National Bank of Florida	1	$325K	0.0%	0.00%
156	Bank Five Nine	1	$325K	0.0%	0.00%
157	California Bank of Commerce, NA	1	$310K	0.0%	0.00%
158	Washita State Bank	1	$300K	0.0%	0.00%
159	Twin City Bank	1	$276K	0.0%	0.00%
160	First Community Bank	1	$250K	0.0%	0.00%
161	Westamerica Bank	1	$250K	0.0%	0.00%
162	Federal Deposit Insurance Corporation	2	$237K	0.0%	0.00%
163	Third Coast Bank	1	$234K	0.0%	0.00%
164	Valley Economic Development Corp.	3	$220K	0.0%	40.03%
165	Truist Bank	1	$150K	0.0%	93.05%
166	California Coastal Certified Development Company	1	$100K	0.0%	0.00%
167	Platinum Bank	1	$77K	0.0%	0.00%
168	Prestamos CDFI, LLC	1	$75K	0.0%	55.26%
169	Stone Bank	1	$75K	0.0%	0.00%
170	Mountain America FCU	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	Retail trade	557	$380.3M	16.8%
2	Accommodation & food services	604	$361.2M	16.0%
3	Health care & social assistance	471	$262.8M	11.6%
4	Other services	521	$206.5M	9.1%
5	Professional & technical services	518	$174.9M	7.7%
6	Construction	498	$163.1M	7.2%
7	Transportation & warehousing	343	$107.3M	4.8%
8	Wholesale trade	182	$102.9M	4.6%
9	Retail trade	176	$101.3M	4.5%
10	Administrative & waste services	212	$73.9M	3.3%
11	Real estate & leasing	118	$61.0M	2.7%
12	Arts, entertainment & recreation	127	$52.9M	2.3%
13	Manufacturing	88	$50.7M	2.2%
14	Educational services	91	$37.0M	1.6%
15	Finance & insurance	94	$34.8M	1.5%
16	Manufacturing	43	$30.6M	1.4%
17	Manufacturing	66	$21.9M	1.0%
18	Information	45	$17.9M	0.8%
19	Transportation & warehousing	20	$6.0M	0.3%
20	Utilities	4	$5.2M	0.2%
21	Agriculture, forestry & fishing	7	$4.4M	0.2%
22	Management of companies	2	$1.5M	0.1%
23	Mining & extraction	2	$25K	0.0%
24	Public administration	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.