SBA 7(a) lenders in San Joaquin, CA

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

Lenders

131 institutions have SBA 7(a) loans on record in San Joaquin, together $974.2M across 1,528 loans. Wells Fargo Bank National Association is the largest, with 9% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Wells Fargo Bank National Association	235	$91.9M	9.4%	1.43%
2	Enterprise Bank & Trust	86	$85.9M	8.8%	0.75%
3	Live Oak Banking Company	33	$45.3M	4.7%	0.00%
4	U.S. Bank, National Association	155	$40.7M	4.2%	1.40%
5	Columbia Bank	39	$35.5M	3.6%	0.14%
6	Newtek Small Business Finance, LLC	25	$34.9M	3.6%	0.00%
7	Open Bank	19	$34.6M	3.5%	0.00%
8	Celtic Bank Corporation	29	$31.5M	3.2%	0.00%
9	United Business Bank	19	$29.6M	3.0%	0.00%
10	Summit State Bank	7	$28.6M	2.9%	0.00%
11	Byline Bank	16	$28.5M	2.9%	0.00%
12	US Metro Bank	13	$25.6M	2.6%	0.00%
13	Pinnacle Bank	11	$20.7M	2.1%	0.00%
14	Harvest Small Business Finance, LLC	21	$19.0M	1.9%	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	East West Bank	13	$18.2M	1.9%	0.00%
18	Commonwealth Business Bank	8	$18.0M	1.8%	0.00%
19	BMO Bank National Association	38	$16.9M	1.7%	0.00%
20	JPMorgan Chase Bank, National Association	58	$13.5M	1.4%	2.94%
21	SoFi Bank, National Association	6	$13.0M	1.3%	0.20%
22	First-Citizens Bank & Trust Company	12	$12.6M	1.3%	18.97%
23	Bank of America, National Association	33	$11.2M	1.1%	0.45%
24	Newtek Bank, National Association	25	$10.3M	1.1%	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	0.8%	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	0.6%	0.00%
39	Centerstone SBA Lending, Inc.	8	$6.0M	0.6%	0.00%
40	KeyPoint CU	9	$5.3M	0.5%	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	Port 51 Lending LLC	5	$4.2M	0.4%	0.00%
54	Farmers and Merchants Bank of Central California	10	$4.2M	0.4%	0.00%
55	America First Federal Credit Union	4	$4.1M	0.4%	0.00%
56	GBank	2	$4.0M	0.4%	0.00%
57	First Business Bank	6	$3.9M	0.4%	0.00%
58	Primis Bank	2	$3.8M	0.4%	0.00%
59	Five Star Bank	7	$3.7M	0.4%	0.00%
60	Mega Bank	2	$3.5M	0.4%	0.00%
61	Simmons Bank	8	$3.4M	0.4%	0.00%
62	Hanover Community Bank	2	$3.4M	0.3%	0.00%
63	Hanmi Bank	2	$3.2M	0.3%	0.00%
64	First Merchants Bank	4	$2.6M	0.3%	0.00%
65	Lendistry SBLC, LLC	14	$2.6M	0.3%	0.00%
66	GBC International Bank	3	$2.4M	0.2%	6.65%
67	Zions Bancorporation, National Association	6	$1.8M	0.2%	5.23%
68	Citizens Bank	4	$1.8M	0.2%	0.00%
69	Banc of California	5	$1.7M	0.2%	0.00%
70	Banner Bank	6	$1.7M	0.2%	2.15%
71	FFB Bank	5	$1.6M	0.2%	15.70%
72	National Cooperative Bank, National Association	1	$1.6M	0.2%	0.00%
73	Genisys CU	1	$1.5M	0.1%	0.00%
74	First Financial Bank	1	$1.5M	0.1%	0.00%
75	Stone Bank	1	$1.4M	0.1%	0.00%
76	CalPrivate Bank	2	$1.4M	0.1%	0.00%
77	Sunwest Bank	1	$1.4M	0.1%	0.00%
78	Leader Bank, National Association	1	$1.4M	0.1%	0.00%
79	CDC Small Business Finance Corp.	8	$1.3M	0.1%	14.38%
80	Mission Bank	2	$1.3M	0.1%	0.00%
81	Golden Bank National Association	2	$1.3M	0.1%	0.00%
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	The Mortgage Capital Development Corporation	4	$900K	0.1%	0.00%
92	IncredibleBank	1	$854K	0.1%	0.00%
93	PromiseOne Bank	1	$829K	0.1%	0.00%
94	Vision One CU	1	$744K	0.1%	0.00%
95	Self-Help FCU	6	$730K	0.1%	0.00%
96	Western Commerce Bank	1	$720K	0.1%	0.00%
97	Beal Bank USA	1	$709K	0.1%	0.00%
98	Cathay Bank	1	$680K	0.1%	0.00%
99	CTBC Bank Corp. (USA)	1	$629K	0.1%	0.00%
100	Hana Small Business Lending, Inc.	1	$600K	0.1%	0.00%
101	Luminate Bank	1	$535K	0.1%	0.00%
102	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$500K	0.1%	0.00%
103	River City Bank	1	$500K	0.1%	0.00%
104	Seacoast National Bank	2	$493K	0.1%	0.00%
105	Monterey County Bank	2	$485K	0.0%	0.00%
106	SAFE CU	2	$483K	0.0%	0.00%
107	First Financial Bank	1	$450K	0.0%	0.00%
108	California Statewide Certified Development Corporation	2	$387K	0.0%	0.00%
109	First Internet Bank of Indiana	1	$384K	0.0%	0.00%
110	First Federal Bank	1	$381K	0.0%	20.38%
111	First Command Bank	1	$360K	0.0%	0.00%
112	First U.S. Community CU	1	$350K	0.0%	0.00%
113	Main Street Launch	2	$350K	0.0%	0.00%
114	Technology Credit Union	1	$299K	0.0%	0.00%
115	Magnifi Financial CU	1	$293K	0.0%	0.00%
116	Western Alliance Bank	1	$285K	0.0%	0.00%
117	Republic Bank & Trust Company	1	$272K	0.0%	69.50%
118	State Bank of India (California)	1	$210K	0.0%	56.59%
119	Mission National Bank	1	$200K	0.0%	0.00%
120	Citibank, N.A.	4	$185K	0.0%	20.36%
121	Prestamos CDFI, LLC	1	$180K	0.0%	0.00%
122	Capital One National Association	4	$175K	0.0%	40.22%
123	Lexicon Bank	1	$160K	0.0%	0.00%
124	CRF Small Business Loan Company, LLC	1	$160K	0.0%	0.00%
125	Bank Five Nine	1	$158K	0.0%	0.00%
126	Independence Bank	1	$150K	0.0%	0.00%
127	Valley First Federal Credit Union	1	$62K	0.0%	0.00%
128	County Bank	1	$56K	0.0%	0.00%
129	AMPAC Tri-State CDC, Inc.	1	$50K	0.0%	0.00%
130	Community Banks of Colorado, A Division of NBH Bank	1	$50K	0.0%	95.06%
131	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	206	$179.7M	18.4%
2	Accommodation & food services	189	$134.0M	13.8%
3	Transportation & warehousing	218	$122.1M	12.5%
4	Other services	155	$91.5M	9.4%
5	Health care & social assistance	126	$77.7M	8.0%
6	Retail trade	61	$69.7M	7.2%
7	Wholesale trade	73	$58.9M	6.0%
8	Construction	142	$40.6M	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	28	$21.9M	2.2%
13	Manufacturing	20	$18.9M	1.9%
14	Manufacturing	25	$16.2M	1.7%
15	Finance & insurance	23	$13.5M	1.4%
16	Administrative & waste services	50	$13.3M	1.4%
17	Educational services	28	$13.0M	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.