SBA 7(a) lenders in San Joaquin, CA

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

Lenders

130 institutions have SBA 7(a) loans on record in San Joaquin, together $959.7M across 1,512 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	235	$91.9M	9.6%	1.43%
2	Enterprise Bank & Trust	86	$85.9M	8.9%	0.00%
3	Live Oak Banking Company	32	$42.6M	4.4%	0.00%
4	U.S. Bank, National Association	154	$40.7M	4.2%	1.40%
5	Columbia Bank	39	$35.5M	3.7%	0.14%
6	Newtek Small Business Finance, Inc.	25	$34.9M	3.6%	0.00%
7	Celtic Bank Corporation	28	$31.5M	3.3%	0.00%
8	United Business Bank	19	$29.6M	3.1%	0.00%
9	Open Bank	18	$29.6M	3.1%	0.00%
10	Summit State Bank	7	$28.6M	3.0%	0.00%
11	Byline Bank	15	$27.7M	2.9%	0.00%
12	US Metro Bank	12	$24.9M	2.6%	0.00%
13	Pinnacle Bank	11	$20.7M	2.2%	0.00%
14	Harvest Small Business Finance, LLC	21	$19.0M	2.0%	0.00%
15	West Coast Community Bank	23	$18.7M	1.9%	0.52%
16	Plumas Bank	22	$18.5M	1.9%	0.00%
17	Commonwealth Business Bank	8	$18.0M	1.9%	0.00%
18	East West Bank	12	$17.8M	1.9%	0.00%
19	BMO Bank National Association	38	$16.9M	1.8%	0.00%
20	JPMorgan Chase Bank, National Association	58	$13.5M	1.4%	2.94%
21	SoFi Bank, National Association	6	$13.0M	1.4%	0.20%
22	First-Citizens Bank & Trust Company	12	$12.6M	1.3%	18.97%
23	Bank of America, National Association	32	$10.3M	1.1%	0.49%
24	Newtek Bank, National Association	24	$10.1M	1.0%	0.00%
25	VelocitySBA, LLC	20	$9.5M	1.0%	2.53%
26	Community West Bank	36	$8.9M	0.9%	0.32%
27	BankUnited, National Association	2	$8.3M	0.9%	0.00%
28	The Huntington National Bank	24	$8.3M	0.9%	0.00%
29	Poppy Bank	7	$7.8M	0.8%	0.00%
30	PNC Bank, National Association	61	$7.4M	0.8%	0.37%
31	Sunflower Bank National Association	3	$7.4M	0.8%	0.00%
32	Northeast Bank	42	$7.4M	0.8%	12.24%
33	Bank of Hope	24	$7.3M	0.8%	15.46%
34	BayFirst National Bank	29	$6.9M	0.7%	17.74%
35	UMB Bank, National Association	12	$6.6M	0.7%	0.00%
36	Readycap Lending, LLC	20	$6.3M	0.7%	3.60%
37	Mechanics Bank	9	$6.3M	0.7%	0.00%
38	Cache Valley Bank	4	$6.3M	0.7%	0.00%
39	Centerstone SBA Lending, Inc.	8	$6.0M	0.6%	0.00%
40	KeyPoint CU	9	$5.3M	0.6%	0.00%
41	Citizens Business Bank National Association	12	$5.3M	0.5%	12.72%
42	Fremont Bank	3	$5.1M	0.5%	0.00%
43	First Bank of the Lake	6	$5.0M	0.5%	0.00%
44	Pathward National Association	1	$5.0M	0.5%	0.00%
45	Exchange Bank	7	$5.0M	0.5%	0.00%
46	Fifth Third Bank	4	$4.8M	0.5%	0.66%
47	Mission Valley Bank	3	$4.7M	0.5%	18.92%
48	T Bank, National Association	1	$4.6M	0.5%	0.00%
49	First State Bank	1	$4.5M	0.5%	0.00%
50	Genesis Bank	6	$4.4M	0.5%	25.37%
51	Customers Bank	3	$4.4M	0.5%	0.00%
52	Grow America Fund, Incorporated	11	$4.4M	0.5%	0.00%
53	Farmers and Merchants Bank of Central California	10	$4.2M	0.4%	0.00%
54	America First Federal Credit Union	4	$4.1M	0.4%	0.00%
55	GBank	2	$4.0M	0.4%	0.00%
56	First Business Bank	6	$3.9M	0.4%	0.00%
57	Primis Bank	2	$3.8M	0.4%	0.00%
58	Five Star Bank	7	$3.7M	0.4%	0.00%
59	Mega Bank	2	$3.5M	0.4%	0.00%
60	Simmons Bank	8	$3.4M	0.4%	0.00%
61	Hanover Community Bank	2	$3.4M	0.4%	0.00%
62	Hanmi Bank	2	$3.2M	0.3%	0.00%
63	First Merchants Bank	4	$2.6M	0.3%	0.00%
64	Port 51 Lending LLC	3	$2.4M	0.2%	0.00%
65	GBC International Bank	3	$2.4M	0.2%	6.65%
66	Lendistry SBLC, LLC	13	$2.2M	0.2%	0.00%
67	Citizens Bank	4	$1.8M	0.2%	0.00%
68	Zions Bank, A Division of	5	$1.7M	0.2%	5.51%
69	Banc of California	5	$1.7M	0.2%	0.00%
70	Banner Bank	6	$1.7M	0.2%	2.15%
71	National Cooperative Bank, National Association	1	$1.6M	0.2%	0.00%
72	Genisys CU	1	$1.5M	0.2%	0.00%
73	First Financial Bank	1	$1.5M	0.2%	0.00%
74	Stone Bank	1	$1.4M	0.2%	0.00%
75	CalPrivate Bank	2	$1.4M	0.1%	0.00%
76	Sunwest Bank	1	$1.4M	0.1%	0.00%
77	Leader Bank, National Association	1	$1.4M	0.1%	0.00%
78	CDC Small Business Finance Corp.	8	$1.3M	0.1%	14.38%
79	Mission Bank	2	$1.3M	0.1%	0.00%
80	Golden Bank National Association	2	$1.3M	0.1%	0.00%
81	FFB Bank	3	$1.3M	0.1%	20.54%
82	Tri Counties Bank	14	$1.2M	0.1%	0.00%
83	Commercial Bank of California	2	$1.2M	0.1%	0.00%
84	United Midwest Savings Bank National Association	6	$1.2M	0.1%	15.65%
85	The Bancorp Bank National Association	2	$1.2M	0.1%	0.00%
86	Falcon National Bank	1	$1.1M	0.1%	0.00%
87	City National Bank	4	$1.1M	0.1%	0.00%
88	Beacon Business Bank National Association	1	$1.0M	0.1%	0.00%
89	Gulf Coast Bank and Trust Company	3	$1.0M	0.1%	0.00%
90	Stearns Bank National Association	3	$940K	0.1%	19.18%
91	Mortgage Capital Development Corporation	4	$900K	0.1%	0.00%
92	IncredibleBank	1	$854K	0.1%	0.00%
93	Vision One CU	1	$744K	0.1%	0.00%
94	Self-Help FCU	6	$730K	0.1%	0.00%
95	Western Commerce Bank	1	$720K	0.1%	0.00%
96	Beal Bank USA	1	$709K	0.1%	0.00%
97	Cathay Bank	1	$680K	0.1%	0.00%
98	CTBC Bank Corp. (USA)	1	$629K	0.1%	0.00%
99	Hana Small Business Lending, Inc.	1	$600K	0.1%	0.00%
100	Luminate Bank	1	$535K	0.1%	0.00%
101	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$500K	0.1%	0.00%
102	River City Bank	1	$500K	0.1%	0.00%
103	Seacoast National Bank	2	$493K	0.1%	0.00%
104	Monterey County Bank	2	$485K	0.1%	0.00%
105	SAFE CU	2	$483K	0.1%	0.00%
106	First Financial Bank	1	$450K	0.0%	0.00%
107	California Statewide Certified Development Corporation	2	$387K	0.0%	0.00%
108	First Internet Bank of Indiana	1	$384K	0.0%	0.00%
109	First Federal Bank	1	$381K	0.0%	20.38%
110	First Command Bank	1	$360K	0.0%	0.00%
111	Main Street Launch	2	$350K	0.0%	0.00%
112	First U.S. Community CU	1	$350K	0.0%	0.00%
113	Technology Credit Union	1	$299K	0.0%	0.00%
114	Magnifi Financial CU	1	$293K	0.0%	0.00%
115	Western Alliance Bank	1	$285K	0.0%	0.00%
116	Republic Bank & Trust Company	1	$272K	0.0%	69.50%
117	State Bank of India (California)	1	$210K	0.0%	56.59%
118	Mission National Bank	1	$200K	0.0%	0.00%
119	Citibank, N.A.	4	$185K	0.0%	20.36%
120	Prestamos CDFI, LLC	1	$180K	0.0%	0.00%
121	Capital One National Association	4	$175K	0.0%	40.22%
122	CRF Small Business Loan Company, LLC	1	$160K	0.0%	0.00%
123	Lexicon Bank	1	$160K	0.0%	0.00%
124	Bank Five Nine	1	$158K	0.0%	0.00%
125	Independence Bank	1	$150K	0.0%	0.00%
126	Valley First Federal Credit Union	1	$62K	0.0%	0.00%
127	County Bank	1	$56K	0.0%	0.00%
128	Community Banks of Colorado, A Division of NBH Bank	1	$50K	0.0%	95.06%
129	AMPAC Tri-State CDC, Inc.	1	$50K	0.0%	0.00%
130	Westamerica Bank	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	205	$179.0M	18.6%
2	Accommodation & food services	184	$125.8M	13.1%
3	Transportation & warehousing	218	$122.1M	12.7%
4	Other services	155	$91.5M	9.5%
5	Health care & social assistance	123	$74.6M	7.8%
6	Retail trade	61	$69.7M	7.3%
7	Wholesale trade	71	$58.5M	6.1%
8	Construction	140	$40.3M	4.2%
9	Manufacturing	52	$37.8M	3.9%
10	Professional & technical services	73	$25.0M	2.6%
11	Real estate & leasing	33	$23.9M	2.5%
12	Arts, entertainment & recreation	27	$21.1M	2.2%
13	Manufacturing	20	$18.9M	2.0%
14	Manufacturing	25	$16.2M	1.7%
15	Finance & insurance	23	$13.5M	1.4%
16	Educational services	28	$13.0M	1.4%
17	Administrative & waste services	48	$12.4M	1.3%
18	Transportation & warehousing	8	$7.1M	0.7%
19	Information	6	$5.4M	0.6%
20	Agriculture, forestry & fishing	11	$3.2M	0.3%
21	Mining & extraction	1	$660K	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.