SBA 7(a) lenders in Santa Cruz, CA

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

Lenders

77 institutions have SBA 7(a) loans on record in Santa Cruz, together $460.7M across 962 loans. West Coast Community Bank is the largest, with 24% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	West Coast Community Bank	270	$111.3M	24.2%	0.20%
2	Wells Fargo Bank National Association	120	$60.5M	13.1%	0.38%
3	Citizens Business Bank National Association	23	$25.5M	5.5%	0.00%
4	U.S. Bank, National Association	53	$20.2M	4.4%	0.33%
5	Pinnacle Bank	8	$20.1M	4.4%	0.00%
6	Fifth Third Bank	42	$15.6M	3.4%	0.00%
7	Santa Cruz Community Credit Union	118	$14.6M	3.2%	1.04%
8	Live Oak Banking Company	17	$14.3M	3.1%	0.00%
9	Monterey County Bank	23	$10.7M	2.3%	11.89%
10	United Business Bank	9	$10.5M	2.3%	0.00%
11	VelocitySBA, LLC	14	$10.2M	2.2%	0.47%
12	US Metro Bank	2	$10.0M	2.2%	0.00%
13	Columbia Bank	6	$8.4M	1.8%	0.00%
14	JPMorgan Chase Bank, National Association	32	$8.2M	1.8%	0.66%
15	BMO Bank National Association	12	$7.2M	1.6%	0.00%
16	Bank of America, National Association	12	$6.5M	1.4%	0.53%
17	Newtek Bank, National Association	6	$6.4M	1.4%	0.00%
18	Summit State Bank	4	$6.1M	1.3%	0.00%
19	Fremont Bank	5	$5.6M	1.2%	0.00%
20	Mountain Pacific Bank	1	$5.0M	1.1%	0.00%
21	Sunwest Bank	1	$5.0M	1.1%	0.00%
22	Metro City Bank	2	$5.0M	1.1%	0.00%
23	Plumas Bank	11	$4.4M	1.0%	0.00%
24	Grow America Fund, Incorporated	11	$4.2M	0.9%	2.88%
25	City National Bank	6	$4.1M	0.9%	0.00%
26	Open Bank	2	$3.9M	0.8%	0.00%
27	Bank of San Francisco	3	$3.9M	0.8%	0.00%
28	Northeast Bank	14	$3.6M	0.8%	2.43%
29	Celtic Bank Corporation	12	$3.5M	0.8%	0.00%
30	Harvest Small Business Finance, LLC	1	$3.4M	0.7%	0.00%
31	Byline Bank	3	$3.2M	0.7%	0.00%
32	Newtek Small Business Finance, Inc.	7	$2.8M	0.6%	0.00%
33	Poppy Bank	2	$2.7M	0.6%	0.00%
34	First Business Bank	2	$2.5M	0.5%	0.00%
35	Bank of Hope	12	$2.5M	0.5%	6.68%
36	Simmons Bank	6	$2.1M	0.5%	0.00%
37	The Huntington National Bank	9	$2.0M	0.4%	11.60%
38	East West Bank	1	$1.9M	0.4%	0.00%
39	BayFirst National Bank	9	$1.8M	0.4%	0.00%
40	The Freedom Bank of Virginia	1	$1.5M	0.3%	0.00%
41	Port 51 Lending LLC	3	$1.5M	0.3%	0.00%
42	United Midwest Savings Bank National Association	2	$1.3M	0.3%	0.00%
43	Readycap Lending, LLC	3	$1.1M	0.2%	57.64%
44	Exchange Bank	2	$1.1M	0.2%	0.00%
45	KeyPoint CU	2	$964K	0.2%	0.00%
46	Sunflower Bank National Association	1	$870K	0.2%	0.00%
47	CDC Small Business Finance Corp.	7	$831K	0.2%	7.00%
48	Colony Bank	1	$816K	0.2%	0.00%
49	California Coastal Certified Development Company	4	$804K	0.2%	0.00%
50	Five Star Bank	6	$775K	0.2%	0.00%
51	Stearns Bank National Association	3	$770K	0.2%	0.00%
52	First Bank of the Lake	1	$750K	0.2%	0.00%
53	FFB Bank	1	$750K	0.2%	0.00%
54	Hana Small Business Lending, Inc.	1	$734K	0.2%	0.00%
55	Commonwealth Business Bank	1	$717K	0.2%	0.00%
56	GBC International Bank	1	$610K	0.1%	0.00%
57	Capital Bank, National Association	2	$563K	0.1%	0.00%
58	Lendistry SBLC, LLC	4	$535K	0.1%	0.00%
59	Commercial Bank of California	2	$450K	0.1%	0.00%
60	AMPAC Tri-State CDC, Inc.	3	$450K	0.1%	0.00%
61	Zions Bank, A Division of	1	$432K	0.1%	0.00%
62	Beacon Business Bank National Association	1	$400K	0.1%	0.00%
63	Genesis Bank	1	$336K	0.1%	0.00%
64	Western Alliance Bank	1	$330K	0.1%	0.00%
65	Royal Business Bank	1	$315K	0.1%	0.00%
66	Citibank, N.A.	1	$250K	0.1%	0.00%
67	Mechanics Bank	2	$233K	0.1%	0.00%
68	Frontwave Credit Union	1	$232K	0.1%	0.00%
69	PCB Bank	1	$225K	0.0%	0.00%
70	Hanmi Bank	1	$210K	0.0%	0.00%
71	Seacoast National Bank	1	$200K	0.0%	0.00%
72	Capital One National Association	2	$150K	0.0%	32.80%
73	SBA CLSC Servicing	1	$130K	0.0%	0.00%
74	First-Citizens Bank & Trust Company	1	$125K	0.0%	0.00%
75	Heritage Bank Inc	1	$82K	0.0%	0.00%
76	PNC Bank, National Association	2	$55K	0.0%	29.22%
77	BankVista	1	$50K	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	Accommodation & food services	179	$114.9M	24.9%
2	Health care & social assistance	90	$67.0M	14.5%
3	Retail trade	100	$47.8M	10.4%
4	Other services	75	$39.3M	8.5%
5	Retail trade	54	$28.4M	6.2%
6	Professional & technical services	86	$24.5M	5.3%
7	Real estate & leasing	24	$20.8M	4.5%
8	Wholesale trade	37	$20.3M	4.4%
9	Construction	67	$17.9M	3.9%
10	Manufacturing	34	$17.8M	3.9%
11	Manufacturing	55	$16.9M	3.7%
12	Arts, entertainment & recreation	34	$9.1M	2.0%
13	Transportation & warehousing	26	$8.6M	1.9%
14	Administrative & waste services	31	$6.8M	1.5%
15	Information	19	$6.1M	1.3%
16	Manufacturing	12	$5.2M	1.1%
17	Finance & insurance	16	$4.3M	0.9%
18	Educational services	16	$3.5M	0.8%
19	Agriculture, forestry & fishing	4	$1.2M	0.3%
20	Utilities	2	$250K	0.1%
21	Transportation & warehousing	1	$25K	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.