SBA 7(a) lenders in Santa Clara, CA

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

Lenders

190 institutions have SBA 7(a) loans on record in Santa Clara, together $2.66B across 4,865 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	872	$388.7M	14.6%	0.61%
2	U.S. Bank, National Association	514	$243.7M	9.2%	0.99%
3	Live Oak Banking Company	115	$150.5M	5.7%	0.00%
4	Citizens Business Bank National Association	141	$90.7M	3.4%	4.09%
5	BMO Bank National Association	107	$88.4M	3.3%	0.00%
6	Western Alliance Bank	97	$87.2M	3.3%	0.00%
7	JPMorgan Chase Bank, National Association	364	$77.0M	2.9%	1.22%
8	Pinnacle Bank	84	$76.1M	2.9%	1.94%
9	United Business Bank	54	$53.7M	2.0%	0.14%
10	Bank of Hope	198	$51.8M	1.9%	4.55%
11	Columbia Bank	62	$50.7M	1.9%	1.52%
12	Celtic Bank Corporation	106	$48.6M	1.8%	0.45%
13	East West Bank	72	$48.1M	1.8%	0.53%
14	Harvest Small Business Finance, LLC	47	$47.0M	1.8%	0.10%
15	Open Bank	51	$43.3M	1.6%	0.56%
16	Newtek Bank, National Association	99	$42.2M	1.6%	0.00%
17	First Bank of the Lake	27	$36.6M	1.4%	0.43%
18	Newtek Small Business Finance, LLC	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	West Coast Community Bank	55	$30.3M	1.1%	0.71%
22	Technology Credit Union	34	$30.2M	1.1%	0.00%
23	Commercial Bank of California	22	$30.2M	1.1%	1.04%
24	Bank of America, National Association	85	$29.6M	1.1%	0.42%
25	The Huntington National Bank	83	$29.4M	1.1%	0.08%
26	Byline Bank	18	$28.5M	1.1%	0.00%
27	Fremont Bank	20	$26.9M	1.0%	0.00%
28	Enterprise Bank & Trust	29	$25.6M	1.0%	0.00%
29	Hanmi Bank	34	$23.9M	0.9%	1.89%
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	95	$21.8M	0.8%	6.11%
34	Readycap Lending, LLC	58	$20.6M	0.8%	2.83%
35	Centerstone SBA Lending, Inc.	13	$16.8M	0.6%	0.00%
36	Lendistry SBLC, LLC	52	$15.7M	0.6%	0.73%
37	BayFirst National Bank	73	$15.4M	0.6%	8.17%
38	FFB Bank	11	$15.2M	0.6%	1.62%
39	Zions Bancorporation, National Association	32	$15.2M	0.6%	0.50%
40	PNC Bank, National Association	36	$14.2M	0.5%	0.55%
41	VelocitySBA, LLC	89	$13.2M	0.5%	1.27%
42	CalPrivate Bank	9	$13.2M	0.5%	0.00%
43	United Midwest Savings Bank National Association	34	$12.7M	0.5%	0.00%
44	Mega Bank	4	$12.5M	0.5%	0.00%
45	California Bank of Commerce, NA	16	$11.9M	0.4%	4.39%
46	First Business Bank	10	$11.7M	0.4%	0.00%
47	Commonwealth Business Bank	11	$11.6M	0.4%	0.00%
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	US Metro Bank	5	$9.8M	0.4%	0.00%
55	Stearns Bank National Association	32	$9.7M	0.4%	0.25%
56	CTBC Bank Corp. (USA)	9	$9.1M	0.3%	0.00%
57	PCB Bank	17	$9.1M	0.3%	0.00%
58	World Trade Finance, Inc.	6	$9.1M	0.3%	2.07%
59	First-Citizens Bank & Trust Company	15	$8.8M	0.3%	0.00%
60	Banner Bank	11	$8.6M	0.3%	0.00%
61	Banc of California	8	$8.3M	0.3%	9.71%
62	American Continental Bank	6	$8.2M	0.3%	0.00%
63	Exchange Bank	12	$7.4M	0.3%	0.00%
64	Summit State Bank	5	$7.3M	0.3%	0.00%
65	Happen Bank	5	$7.2M	0.3%	0.00%
66	Colony Bank	6	$7.0M	0.3%	0.00%
67	Bank of San Francisco	10	$6.9M	0.3%	0.00%
68	SoFi Bank, National Association	13	$6.0M	0.2%	3.49%
69	InBank	3	$5.9M	0.2%	0.00%
70	State Bank of India (California)	2	$5.5M	0.2%	0.00%
71	Gulf Coast Bank and Trust Company	4	$5.2M	0.2%	27.38%
72	Monterey County Bank	7	$5.1M	0.2%	10.90%
73	Federal Deposit Insurance Corporation	11	$5.0M	0.2%	0.00%
74	Milestone Bank	1	$5.0M	0.2%	0.00%
75	Alerus Financial, National Association	1	$5.0M	0.2%	0.00%
76	Altos Bank	3	$4.9M	0.2%	0.00%
77	Bankwell Bank	1	$4.8M	0.2%	0.00%
78	California Bank of Commerce	1	$4.8M	0.2%	0.00%
79	First Internet Bank of Indiana	5	$4.7M	0.2%	0.00%
80	Mission Valley Bank	3	$4.7M	0.2%	0.00%
81	CDC Small Business Finance Corp.	21	$4.6M	0.2%	11.36%
82	The Bancorp Bank National Association	7	$4.5M	0.2%	20.33%
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	CIBC Bank USA	5	$3.6M	0.1%	0.00%
89	Pathward National Association	7	$3.6M	0.1%	0.00%
90	Simmons Bank	12	$3.6M	0.1%	0.00%
91	Texas Capital Bank	1	$3.4M	0.1%	0.00%
92	Choice Financial Group	2	$3.3M	0.1%	0.00%
93	Grasshopper Bank National Association	4	$3.0M	0.1%	0.00%
94	Sunflower Bank National Association	1	$3.0M	0.1%	0.00%
95	First Merchants Bank	4	$3.0M	0.1%	0.00%
96	Cross River Bank	1	$2.9M	0.1%	0.00%
97	Platinum Bank	6	$2.8M	0.1%	0.00%
98	The Mortgage Capital Development Corporation	14	$2.5M	0.1%	4.05%
99	California International Bank, A National Banking Association	1	$2.5M	0.1%	0.00%
100	Ameris Bank	4	$2.5M	0.1%	0.00%
101	Beacon Business Bank National Association	3	$2.5M	0.1%	0.00%
102	CommerceWest Bank	3	$2.3M	0.1%	0.00%
103	Community West Bank	2	$2.2M	0.1%	0.00%
104	CenTrust Bank, A Division of SmartBiz Bank National Association	12	$2.2M	0.1%	0.00%
105	Customers Bank	3	$2.2M	0.1%	0.00%
106	Main Street Launch	11	$2.0M	0.1%	1.80%
107	First Western SBLC, LLC d/b/a Peachtree Group	1	$2.0M	0.1%	0.00%
108	Popular Bank	6	$2.0M	0.1%	73.95%
109	Hana Small Business Lending, Inc.	4	$2.0M	0.1%	0.00%
110	Merchants Bank of Indiana	1	$1.9M	0.1%	0.00%
111	Citizens Bank	4	$1.8M	0.1%	21.33%
112	Mission Bank	4	$1.8M	0.1%	0.00%
113	Independence Bank	12	$1.8M	0.1%	28.58%
114	National Credit Union Administration	2	$1.7M	0.1%	82.65%
115	TD Bank, National Association	1	$1.7M	0.1%	0.00%
116	America First Federal Credit Union	4	$1.7M	0.1%	1.43%
117	TowneBank	2	$1.7M	0.1%	0.00%
118	Associated Bank National Association	3	$1.6M	0.1%	0.00%
119	Port 51 Lending LLC	3	$1.6M	0.1%	0.00%
120	Frontwave Credit Union	1	$1.6M	0.1%	0.00%
121	United Community Bank	2	$1.5M	0.1%	0.00%
122	Grow America Fund, Incorporated	5	$1.5M	0.1%	0.00%
123	BancFirst	1	$1.5M	0.1%	0.00%
124	Citizens Bank, National Association	2	$1.5M	0.1%	0.00%
125	Busey Bank	1	$1.4M	0.1%	0.00%
126	Shinhan Bank America	3	$1.3M	0.1%	0.00%
127	Beal Bank USA	1	$1.3M	0.0%	97.04%
128	Stone Bank	2	$1.3M	0.0%	0.00%
129	CRF Small Business Loan Company, LLC	6	$1.3M	0.0%	0.00%
130	Preferred Bank	2	$1.3M	0.0%	0.00%
131	Fund-Ex Solutions Group, LLC	1	$1.3M	0.0%	0.00%
132	Mechanics Bank	6	$1.2M	0.0%	9.79%
133	Community Banks of Colorado, A Division of NBH Bank	2	$1.1M	0.0%	0.00%
134	Evolve Bank and Trust	2	$1.1M	0.0%	0.00%
135	Vision One CU	3	$1.0M	0.0%	0.00%
136	Redwood CU	1	$1.0M	0.0%	0.00%
137	Kinecta FCU	3	$952K	0.0%	8.00%
138	Bank of the Orient	3	$925K	0.0%	0.00%
139	OneWest Bank, A Division of	2	$922K	0.0%	0.00%
140	Wachovia SBA Lending, Inc.	2	$867K	0.0%	0.00%
141	Fountainhead SBF LLC	1	$853K	0.0%	0.00%
142	Capital Bank, National Association	3	$850K	0.0%	0.00%
143	First National Bank of Pennsylvania	2	$810K	0.0%	58.09%
144	Old National Bank	1	$800K	0.0%	0.00%
145	Shoreham Bank	1	$800K	0.0%	38.09%
146	Luminate Bank	1	$794K	0.0%	0.00%
147	Red River State Bank	1	$779K	0.0%	0.00%
148	Business Lenders, LLC	1	$675K	0.0%	0.00%
149	Oak Valley Community Bank	1	$650K	0.0%	0.00%
150	Golden Bank National Association	1	$641K	0.0%	0.00%
151	Southern Bank	1	$639K	0.0%	0.00%
152	California Statewide Certified Development Corporation	3	$610K	0.0%	0.00%
153	Heritage Bank Inc	1	$608K	0.0%	0.00%
154	IncredibleBank	1	$600K	0.0%	0.00%
155	Meriwest Credit Union	4	$600K	0.0%	0.00%
156	AMPAC Tri-State CDC, Inc.	7	$587K	0.0%	0.00%
157	Summit Bank	2	$583K	0.0%	0.00%
158	Centennial Bank	1	$580K	0.0%	0.00%
159	First Federal Bank	1	$560K	0.0%	0.00%
160	Capital One National Association	13	$555K	0.0%	32.37%
161	KeyBank National Association	1	$525K	0.0%	0.00%
162	Accordia Bank	1	$508K	0.0%	0.00%
163	GBank	1	$503K	0.0%	98.69%
164	Seacoast National Bank	2	$500K	0.0%	0.00%
165	Oconee State Bank	1	$497K	0.0%	0.00%
166	Meridian Bank	1	$492K	0.0%	33.18%
167	BankUnited, National Association	1	$485K	0.0%	0.00%
168	CapitalSpring SBLC, LLC	1	$480K	0.0%	0.00%
169	Titan Bank, National Association	1	$380K	0.0%	0.00%
170	Independent Bank	1	$374K	0.0%	0.00%
171	MVB Bank, Inc.	1	$362K	0.0%	0.00%
172	UMB Bank, National Association	2	$356K	0.0%	16.85%
173	Bank Five Nine	1	$355K	0.0%	0.00%
174	Accion Opportunity Fund Community Development	1	$350K	0.0%	0.00%
175	HSBC Bank USA National Association	2	$325K	0.0%	22.82%
176	Small Business Bank	2	$311K	0.0%	0.00%
177	Tri Counties Bank	2	$301K	0.0%	19.75%
178	UniBank	1	$297K	0.0%	0.00%
179	Wilmington Savings Fund Society FSB	1	$271K	0.0%	0.00%
180	California Coastal Certified Development Company	1	$240K	0.0%	0.00%
181	Santa Cruz Community Credit Union	2	$225K	0.0%	0.00%
182	First Commercial Bank (USA)	2	$225K	0.0%	0.00%
183	Valley Economic Development Corp.	1	$200K	0.0%	0.00%
184	Safe-Bidco	1	$150K	0.0%	0.00%
185	Stanford FCU	1	$130K	0.0%	0.00%
186	Prestamos CDFI, LLC	2	$125K	0.0%	0.00%
187	Beacon Bank and Trust	1	$125K	0.0%	0.00%
188	City National Bank of Florida	1	$110K	0.0%	0.00%
189	Bank of Guam	1	$60K	0.0%	0.00%
190	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	605	$452.2M	17.0%
2	Accommodation & food services	683	$372.0M	14.0%
3	Professional & technical services	706	$314.6M	11.8%
4	Retail trade	382	$260.5M	9.8%
5	Manufacturing	298	$238.8M	9.0%
6	Construction	434	$192.4M	7.2%
7	Other services	442	$186.6M	7.0%
8	Wholesale trade	205	$132.9M	5.0%
9	Administrative & waste services	181	$86.7M	3.3%
10	Educational services	148	$70.0M	2.6%
11	Arts, entertainment & recreation	140	$60.3M	2.3%
12	Retail trade	148	$54.4M	2.0%
13	Finance & insurance	79	$50.2M	1.9%
14	Real estate & leasing	113	$48.4M	1.8%
15	Manufacturing	71	$46.6M	1.7%
16	Transportation & warehousing	93	$33.9M	1.3%
17	Manufacturing	38	$19.7M	0.7%
18	Information	69	$19.6M	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.