SBA 7(a) lenders in Santa Clara, CA

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

Lenders

187 institutions have SBA 7(a) loans on record in Santa Clara, together $2.63B across 4,806 loans. Wells Fargo Bank National Association is the largest, with 15% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Wells Fargo Bank National Association	870	$386.7M	14.7%	0.62%
2	U.S. Bank, National Association	511	$243.6M	9.3%	0.98%
3	Live Oak Banking Company	110	$148.6M	5.7%	0.00%
4	Citizens Business Bank National Association	141	$90.7M	3.5%	4.09%
5	BMO Bank National Association	107	$88.4M	3.4%	0.00%
6	Western Alliance Bank	97	$87.2M	3.3%	0.00%
7	JPMorgan Chase Bank, National Association	363	$76.5M	2.9%	1.23%
8	Pinnacle Bank	84	$76.1M	2.9%	1.94%
9	United Business Bank	54	$53.7M	2.0%	0.14%
10	Columbia Bank	62	$50.7M	1.9%	1.52%
11	Celtic Bank Corporation	105	$48.6M	1.8%	0.45%
12	East West Bank	72	$48.1M	1.8%	0.53%
13	Harvest Small Business Finance, LLC	47	$47.0M	1.8%	0.00%
14	Bank of Hope	194	$46.3M	1.8%	5.09%
15	Open Bank	51	$43.3M	1.6%	0.56%
16	Newtek Bank, National Association	86	$39.1M	1.5%	0.00%
17	First Bank of the Lake	27	$36.6M	1.4%	0.43%
18	Newtek Small Business Finance, Inc.	47	$32.6M	1.2%	1.45%
19	Fifth Third Bank	112	$32.0M	1.2%	6.63%
20	Plumas Bank	52	$31.6M	1.2%	0.00%
21	Commercial Bank of California	22	$30.2M	1.2%	1.04%
22	West Coast Community Bank	54	$30.2M	1.1%	0.72%
23	Technology Credit Union	33	$29.8M	1.1%	0.00%
24	Bank of America, National Association	85	$29.6M	1.1%	0.42%
25	The Huntington National Bank	83	$29.4M	1.1%	0.00%
26	Byline Bank	17	$28.0M	1.1%	0.00%
27	Fremont Bank	20	$26.9M	1.0%	0.00%
28	Hanmi Bank	34	$23.9M	0.9%	1.89%
29	Enterprise Bank & Trust	27	$23.3M	0.9%	0.00%
30	KeyPoint CU	29	$22.6M	0.9%	0.00%
31	Poppy Bank	13	$22.2M	0.8%	0.00%
32	City National Bank	36	$22.0M	0.8%	0.00%
33	Northeast Bank	89	$20.8M	0.8%	6.39%
34	Readycap Lending, LLC	56	$19.8M	0.8%	2.93%
35	Centerstone SBA Lending, Inc.	13	$16.8M	0.6%	0.00%
36	Lendistry SBLC, LLC	51	$15.7M	0.6%	0.74%
37	BayFirst National Bank	73	$15.4M	0.6%	7.13%
38	FFB Bank	11	$15.2M	0.6%	1.62%
39	Zions Bank, A Division of	32	$15.2M	0.6%	0.50%
40	PNC Bank, National Association	36	$14.2M	0.5%	0.55%
41	CalPrivate Bank	9	$13.2M	0.5%	0.00%
42	United Midwest Savings Bank National Association	34	$12.7M	0.5%	0.00%
43	Mega Bank	4	$12.5M	0.5%	0.00%
44	California Bank of Commerce, NA	16	$11.9M	0.5%	4.39%
45	First Business Bank	10	$11.7M	0.4%	0.00%
46	Commonwealth Business Bank	11	$11.6M	0.4%	0.00%
47	VelocitySBA, LLC	88	$11.2M	0.4%	1.49%
48	Royal Business Bank	4	$11.2M	0.4%	0.00%
49	First Bank	13	$11.2M	0.4%	0.00%
50	Five Star Bank	31	$10.3M	0.4%	2.95%
51	GBC International Bank	16	$10.3M	0.4%	0.00%
52	Cathay Bank	14	$10.1M	0.4%	0.00%
53	FDIC - Community Bank & Trust-West Georgia	2	$10.0M	0.4%	0.00%
54	Stearns Bank National Association	32	$9.7M	0.4%	0.25%
55	CTBC Bank Corp. (USA)	9	$9.1M	0.3%	0.00%
56	PCB Bank	17	$9.1M	0.3%	0.00%
57	World Trade Finance, Inc.	6	$9.1M	0.3%	2.07%
58	First-Citizens Bank & Trust Company	15	$8.8M	0.3%	0.00%
59	Banner Bank	11	$8.6M	0.3%	0.00%
60	Banc of California	8	$8.3M	0.3%	9.71%
61	American Continental Bank	6	$8.2M	0.3%	0.00%
62	Exchange Bank	12	$7.4M	0.3%	0.00%
63	Summit State Bank	5	$7.3M	0.3%	0.00%
64	Happen Bank	5	$7.2M	0.3%	0.00%
65	Colony Bank	6	$7.0M	0.3%	0.00%
66	Bank of San Francisco	10	$6.9M	0.3%	0.00%
67	SoFi Bank, National Association	13	$6.0M	0.2%	3.49%
68	InBank	3	$5.9M	0.2%	0.00%
69	State Bank of India (California)	2	$5.5M	0.2%	0.00%
70	Gulf Coast Bank and Trust Company	4	$5.2M	0.2%	27.38%
71	Monterey County Bank	7	$5.1M	0.2%	10.90%
72	Federal Deposit Insurance Corporation	11	$5.0M	0.2%	0.00%
73	Milestone Bank	1	$5.0M	0.2%	0.00%
74	Alerus Financial, National Association	1	$5.0M	0.2%	0.00%
75	Bankwell Bank	1	$4.8M	0.2%	0.00%
76	US Metro Bank	4	$4.8M	0.2%	0.00%
77	California Bank of Commerce	1	$4.8M	0.2%	0.00%
78	First Internet Bank of Indiana	5	$4.7M	0.2%	0.00%
79	Mission Valley Bank	3	$4.7M	0.2%	0.00%
80	The Bancorp Bank National Association	7	$4.5M	0.2%	20.33%
81	Altos Bank	2	$4.4M	0.2%	0.00%
82	CDC Small Business Finance Corp.	20	$4.4M	0.2%	12.08%
83	EverTrust Bank	3	$3.9M	0.1%	0.00%
84	First Financial Bank	2	$3.8M	0.1%	0.00%
85	Genesis Bank	3	$3.7M	0.1%	0.00%
86	T Bank, National Association	3	$3.7M	0.1%	0.00%
87	Citibank, N.A.	43	$3.6M	0.1%	12.12%
88	Simmons Bank	12	$3.6M	0.1%	0.00%
89	Texas Capital Bank	1	$3.4M	0.1%	0.00%
90	Choice Financial Group	2	$3.3M	0.1%	0.00%
91	CIBC Bank USA	4	$3.3M	0.1%	0.00%
92	Sunflower Bank National Association	1	$3.0M	0.1%	0.00%
93	Grasshopper Bank National Association	4	$3.0M	0.1%	0.00%
94	Platinum Bank	6	$2.8M	0.1%	0.00%
95	Mortgage Capital Development Corporation	14	$2.5M	0.1%	4.05%
96	California International Bank, A National Banking Association	1	$2.5M	0.1%	0.00%
97	Ameris Bank	4	$2.5M	0.1%	0.00%
98	Beacon Business Bank National Association	3	$2.5M	0.1%	0.00%
99	First Merchants Bank	3	$2.4M	0.1%	0.00%
100	Pathward National Association	6	$2.4M	0.1%	0.00%
101	CommerceWest Bank	3	$2.3M	0.1%	0.00%
102	Community West Bank	2	$2.2M	0.1%	0.00%
103	Customers Bank	3	$2.2M	0.1%	0.00%
104	First Western SBLC, LLC	1	$2.0M	0.1%	0.00%
105	Popular Bank	6	$2.0M	0.1%	73.95%
106	Hana Small Business Lending, Inc.	4	$2.0M	0.1%	0.00%
107	Merchants Bank of Indiana	1	$1.9M	0.1%	0.00%
108	Main Street Launch	10	$1.8M	0.1%	1.97%
109	Citizens Bank	4	$1.8M	0.1%	21.33%
110	Independence Bank	12	$1.8M	0.1%	28.58%
111	National Credit Union Administration	2	$1.7M	0.1%	82.65%
112	TD Bank, National Association	1	$1.7M	0.1%	0.00%
113	America First Federal Credit Union	4	$1.7M	0.1%	1.43%
114	TowneBank	2	$1.7M	0.1%	0.00%
115	Associated Bank National Association	3	$1.6M	0.1%	0.00%
116	Port 51 Lending LLC	3	$1.6M	0.1%	0.00%
117	Frontwave Credit Union	1	$1.6M	0.1%	0.00%
118	United Community Bank	2	$1.5M	0.1%	0.00%
119	Grow America Fund, Incorporated	5	$1.5M	0.1%	0.00%
120	BancFirst	1	$1.5M	0.1%	0.00%
121	CenTrust Bank, A Division of SmartBiz Bank National Association	9	$1.4M	0.1%	0.00%
122	Mission Bank	3	$1.4M	0.1%	0.00%
123	Busey Bank	1	$1.4M	0.1%	0.00%
124	Shinhan Bank America	3	$1.3M	0.1%	0.00%
125	Beal Bank USA	1	$1.3M	0.1%	97.04%
126	Stone Bank	2	$1.3M	0.0%	0.00%
127	CRF Small Business Loan Company, LLC	6	$1.3M	0.0%	0.00%
128	Preferred Bank	2	$1.3M	0.0%	0.00%
129	Fund-Ex Solutions Group, LLC	1	$1.3M	0.0%	0.00%
130	Mechanics Bank	6	$1.2M	0.0%	9.79%
131	Community Banks of Colorado, A Division of NBH Bank	2	$1.1M	0.0%	0.00%
132	Evolve Bank and Trust	2	$1.1M	0.0%	0.00%
133	Vision One CU	3	$1.0M	0.0%	0.00%
134	Redwood CU	1	$1.0M	0.0%	0.00%
135	Kinecta FCU	3	$952K	0.0%	8.00%
136	Bank of the Orient	3	$925K	0.0%	0.00%
137	OneWest Bank, A Division of	2	$922K	0.0%	0.00%
138	Wachovia SBA Lending, Inc.	2	$867K	0.0%	0.00%
139	Fountainhead SBF LLC	1	$853K	0.0%	0.00%
140	Capital Bank, National Association	3	$850K	0.0%	0.00%
141	First National Bank of Pennsylvania	2	$810K	0.0%	58.09%
142	Shoreham Bank	1	$800K	0.0%	38.09%
143	Old National Bank	1	$800K	0.0%	0.00%
144	Luminate Bank	1	$794K	0.0%	0.00%
145	Red River State Bank	1	$779K	0.0%	0.00%
146	Business Lenders, LLC	1	$675K	0.0%	0.00%
147	Oak Valley Community Bank	1	$650K	0.0%	0.00%
148	Golden Bank National Association	1	$641K	0.0%	0.00%
149	Southern Bank	1	$639K	0.0%	0.00%
150	California Statewide Certified Development Corporation	3	$610K	0.0%	0.00%
151	Heritage Bank Inc	1	$608K	0.0%	0.00%
152	IncredibleBank	1	$600K	0.0%	0.00%
153	Meriwest Credit Union	4	$600K	0.0%	0.00%
154	AMPAC Tri-State CDC, Inc.	7	$587K	0.0%	0.00%
155	Summit Bank	2	$583K	0.0%	0.00%
156	Centennial Bank	1	$580K	0.0%	0.00%
157	First Federal Bank	1	$560K	0.0%	0.00%
158	Capital One National Association	13	$555K	0.0%	32.37%
159	KeyBank National Association	1	$525K	0.0%	0.00%
160	GBank	1	$503K	0.0%	0.00%
161	Seacoast National Bank	2	$500K	0.0%	0.00%
162	Oconee State Bank	1	$497K	0.0%	0.00%
163	Meridian Bank	1	$492K	0.0%	33.18%
164	BankUnited, National Association	1	$485K	0.0%	0.00%
165	CapitalSpring SBLC, LLC	1	$480K	0.0%	0.00%
166	Titan Bank, National Association	1	$380K	0.0%	0.00%
167	Independent Bank	1	$374K	0.0%	0.00%
168	MVB Bank, Inc.	1	$362K	0.0%	0.00%
169	UMB Bank, National Association	2	$356K	0.0%	16.85%
170	Bank Five Nine	1	$355K	0.0%	0.00%
171	Accion Opportunity Fund Community Development	1	$350K	0.0%	0.00%
172	HSBC Bank USA National Association	2	$325K	0.0%	22.82%
173	Small Business Bank	2	$311K	0.0%	0.00%
174	Tri Counties Bank	2	$301K	0.0%	19.75%
175	UniBank	1	$297K	0.0%	0.00%
176	Wilmington Savings Fund Society FSB	1	$271K	0.0%	0.00%
177	California Coastal Certified Development Company	1	$240K	0.0%	0.00%
178	Santa Cruz Community Credit Union	2	$225K	0.0%	0.00%
179	First Commercial Bank (USA)	2	$225K	0.0%	0.00%
180	Valley Economic Development Corp.	1	$200K	0.0%	0.00%
181	Safe-Bidco	1	$150K	0.0%	0.00%
182	Stanford FCU	1	$130K	0.0%	0.00%
183	Beacon Bank and Trust	1	$125K	0.0%	0.00%
184	Prestamos CDFI, LLC	2	$125K	0.0%	0.00%
185	City National Bank of Florida	1	$110K	0.0%	0.00%
186	Bank of Guam	1	$60K	0.0%	0.00%
187	Westamerica Bank	1	$40K	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	Health care & social assistance	595	$444.0M	16.9%
2	Accommodation & food services	678	$370.5M	14.1%
3	Professional & technical services	696	$308.0M	11.7%
4	Retail trade	378	$259.7M	9.9%
5	Manufacturing	296	$236.5M	9.0%
6	Construction	427	$188.8M	7.2%
7	Other services	434	$184.6M	7.0%
8	Wholesale trade	205	$132.9M	5.1%
9	Administrative & waste services	179	$85.8M	3.3%
10	Educational services	144	$67.8M	2.6%
11	Arts, entertainment & recreation	139	$60.2M	2.3%
12	Finance & insurance	78	$49.7M	1.9%
13	Retail trade	146	$49.5M	1.9%
14	Real estate & leasing	113	$48.4M	1.8%
15	Manufacturing	70	$46.5M	1.8%
16	Transportation & warehousing	92	$33.4M	1.3%
17	Information	69	$19.6M	0.7%
18	Manufacturing	37	$19.4M	0.7%
19	Agriculture, forestry & fishing	16	$14.4M	0.5%
20	Transportation & warehousing	8	$4.8M	0.2%
21	Utilities	5	$2.7M	0.1%
22	Management of companies	1	$641K	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.