Lynx Renard
SBA Lending DataEvery 7(a) lender, market and industry, from the SBA’s own public record. Free to use.

SBA 7(a) lenders in San Luis Obispo, CA

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

Lenders

99 institutions have SBA 7(a) loans on record in San Luis Obispo, together $678.9M across 1,710 loans. Columbia Bank is the largest, with 12% of approvals.

Showing
Yearsto
RankLenderLoansApprovedShareLoss rate
1Columbia Bank247$80.4M11.8%4.30%
2Bank of the Sierra406$73.8M10.9%1.04%
3UMB Bank, National Association227$50.9M7.5%0.87%
4Live Oak Banking Company37$47.1M6.9%0.00%
5Wells Fargo Bank National Association89$30.1M4.4%0.70%
6West Coast Community Bank30$25.3M3.7%0.00%
7United Business Bank12$18.4M2.7%0.00%
8Banc of California24$18.0M2.6%0.92%
9Community West Bank12$17.8M2.6%0.00%
10Pinnacle Bank8$17.1M2.5%0.00%
11Customers Bank14$16.5M2.4%0.00%
12U.S. Bank, National Association65$16.1M2.4%9.64%
13American Riviera Bank47$14.6M2.2%0.00%
14Citizens Business Bank National Association8$13.7M2.0%0.00%
15Summit State Bank4$13.3M2.0%0.00%
16Coasthills Federal Credit Union59$12.1M1.8%5.90%
17Mechanics Bank41$11.0M1.6%1.02%
18JPMorgan Chase Bank, National Association64$10.5M1.5%2.28%
19Centerstone SBA Lending, Inc.3$10.1M1.5%0.00%
20BMO Bank National Association6$9.7M1.4%0.00%
21Newtek Small Business Finance, Inc.5$9.5M1.4%1.36%
22Commonwealth Business Bank14$8.9M1.3%0.00%
23Celtic Bank Corporation21$8.1M1.2%5.03%
24Readycap Lending, LLC15$7.5M1.1%0.00%
25US Metro Bank3$6.8M1.0%0.00%
26The Huntington National Bank8$6.2M0.9%2.16%
27Bank of America, National Association16$6.0M0.9%0.84%
28Byline Bank3$5.7M0.8%0.00%
29Commercial Bank of California3$5.7M0.8%0.00%
30Harvest Small Business Finance, LLC5$5.5M0.8%0.00%
31Mission Bank9$5.2M0.8%0.00%
32First Bank5$5.1M0.7%0.00%
33First Internet Bank of Indiana1$4.9M0.7%0.00%
34Plumas Bank6$4.8M0.7%0.00%
35Technology Credit Union2$4.8M0.7%0.00%
36IncredibleBank7$4.6M0.7%0.00%
37American Continental Bank6$4.2M0.6%0.00%
38FFB Bank9$3.8M0.6%0.00%
39Newtek Bank, National Association10$3.6M0.5%0.00%
40Colony Bank2$3.4M0.5%0.00%
41Port 51 Lending LLC4$3.0M0.4%0.00%
42TowneBank1$3.0M0.4%0.00%
43First-Citizens Bank & Trust Company2$2.9M0.4%0.00%
44Hanmi Bank6$2.8M0.4%0.00%
45Citizens Bank3$2.7M0.4%0.00%
46BayFirst National Bank22$2.6M0.4%3.11%
47Greater Nevada CU2$2.5M0.4%0.00%
48Northeast Bank13$2.0M0.3%0.00%
4922nd State Bank, A Division of 22nd State Banking Company1$2.0M0.3%0.00%
50CalPrivate Bank3$1.8M0.3%0.00%
51CDC Small Business Finance Corp.11$1.7M0.3%0.00%
52Genisys CU2$1.7M0.2%0.00%
53Open Bank1$1.7M0.2%0.00%
54Enterprise Bank & Trust2$1.7M0.2%0.00%
55Bank of Hope3$1.7M0.2%0.00%
56PCB Bank4$1.4M0.2%0.00%
57United Midwest Savings Bank National Association3$1.4M0.2%0.00%
58KeyPoint CU1$1.3M0.2%0.00%
59Lendistry SBLC, LLC6$1.3M0.2%0.00%
60Zions Bank, A Division of5$1.1M0.2%0.00%
61Genesis Bank2$1.1M0.2%0.00%
62Citibank, N.A.3$1.0M0.2%0.00%
63California International Bank, A National Banking Association1$995K0.1%0.00%
64Gulf Coast Bank and Trust Company1$940K0.1%0.00%
65East West Bank1$850K0.1%0.00%
66First Bank of the Lake1$783K0.1%0.00%
67MVB Bank, Inc.1$755K0.1%0.00%
68Royal Business Bank2$748K0.1%0.00%
69California Coastal Certified Development Company3$730K0.1%0.00%
70First Business Bank1$665K0.1%0.00%
71Beacon Bank and Trust1$644K0.1%0.00%
72The Bancorp Bank National Association2$574K0.1%0.00%
73First Bank2$572K0.1%58.36%
74Community Bank of Santa Maria1$572K0.1%0.00%
75Quaint Oak Bank1$564K0.1%0.00%
76New Omni Bank National Association1$530K0.1%0.00%
77Grasshopper Bank National Association1$500K0.1%0.00%
78FDIC - Community Bank & Trust-West Georgia1$488K0.1%0.00%
79Stearns Bank National Association2$476K0.1%0.00%
80PNC Bank, National Association1$448K0.1%0.00%
81VelocitySBA, LLC9$435K0.1%5.75%
82City National Bank1$426K0.1%0.00%
83SBA CLSC Servicing3$370K0.1%0.00%
84SMBC MANUBANK1$350K0.1%0.00%
85Pathward National Association1$340K0.1%0.00%
86Five Star Bank3$315K0.0%0.00%
87Peoples Bank and Trust Company1$250K0.0%0.00%
88Capital Bank, National Association1$250K0.0%0.00%
89Hana Small Business Lending, Inc.1$220K0.0%0.00%
90AMPAC Tri-State CDC, Inc.2$210K0.0%0.00%
91California Statewide Certified Development Corporation1$207K0.0%0.00%
92Wings Credit Union1$168K0.0%0.00%
93Seacoast National Bank1$150K0.0%0.00%
94Independence Bank1$150K0.0%0.00%
95EverBank National Association1$150K0.0%0.00%
96Prestamos CDFI, LLC1$112K0.0%0.00%
97Valley Economic Development Corp.1$100K0.0%0.00%
98Capital One National Association1$100K0.0%0.00%
99SoFi Bank, National Association2$44K0.0%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

RankIndustryLoansApprovedShare of county
1Accommodation & food services253$178.5M26.3%
2Retail trade172$79.7M11.7%
3Health care & social assistance143$70.7M10.4%
4Professional & technical services184$64.2M9.5%
5Construction239$58.7M8.6%
6Real estate & leasing97$37.9M5.6%
7Other services105$34.0M5.0%
8Manufacturing53$24.3M3.6%
9Manufacturing39$17.6M2.6%
10Retail trade70$15.5M2.3%
11Transportation & warehousing82$15.5M2.3%
12Manufacturing43$14.5M2.1%
13Finance & insurance29$12.4M1.8%
14Agriculture, forestry & fishing17$12.3M1.8%
15Arts, entertainment & recreation38$11.4M1.7%
16Information21$10.9M1.6%
17Administrative & waste services49$8.5M1.3%
18Wholesale trade54$8.0M1.2%
19Educational services19$3.9M0.6%
20Transportation & warehousing2$519K0.1%
21Utilities1$42K0.0%

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.