SBA 7(a) lenders in Charlotte, FL

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

Lenders

100 institutions have SBA 7(a) loans on record in Charlotte, together $292.3M across 469 loans. The Huntington National Bank is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Huntington National Bank	40	$21.2M	7.3%	1.28%
2	Centennial Bank	11	$17.8M	6.1%	1.12%
3	Truist Bank	36	$17.3M	5.9%	0.00%
4	Regions Bank	20	$10.4M	3.6%	0.00%
5	Touchmark National Bank	2	$10.0M	3.4%	0.00%
6	Readycap Lending, LLC	18	$9.2M	3.1%	20.23%
7	Fifth Third Bank	9	$9.1M	3.1%	0.00%
8	Central Bank	3	$8.5M	2.9%	44.07%
9	The Bank of Tampa	3	$8.1M	2.8%	2.94%
10	SouthState Bank, National Association	6	$7.6M	2.6%	0.00%
11	Newtek Bank, National Association	13	$7.6M	2.6%	0.00%
12	Live Oak Banking Company	10	$7.5M	2.6%	0.00%
13	Byline Bank	6	$7.5M	2.6%	0.00%
14	United Community Bank	6	$7.1M	2.4%	0.00%
15	Bank of America, National Association	7	$6.4M	2.2%	0.16%
16	First Bank of the Lake	5	$6.2M	2.1%	0.00%
17	Wells Fargo Bank National Association	33	$5.7M	1.9%	8.95%
18	Lender 2057189	4	$5.6M	1.9%	0.00%
19	PromiseOne Bank	3	$5.5M	1.9%	0.00%
20	Lender 2582371	1	$5.0M	1.7%	0.00%
21	United Midwest Savings Bank National Association	8	$5.0M	1.7%	2.75%
22	Beacon Bank and Trust	2	$4.6M	1.6%	0.00%
23	First Federal Bank	3	$4.4M	1.5%	0.00%
24	University Bank	4	$4.1M	1.4%	0.00%
25	Pathward National Association	5	$3.7M	1.3%	0.00%
26	Crews Bank and Trust	2	$3.5M	1.2%	0.00%
27	Bank Five Nine	5	$3.3M	1.1%	0.00%
28	JPMorgan Chase Bank, National Association	13	$3.2M	1.1%	5.58%
29	Celtic Bank Corporation	14	$3.1M	1.1%	0.00%
30	Peoples Bank	2	$3.0M	1.0%	0.00%
31	Banc of California	3	$2.8M	1.0%	0.00%
32	Stearns Bank National Association	7	$2.6M	0.9%	0.00%
33	Achieva CU	5	$2.6M	0.9%	0.00%
34	BayFirst National Bank	14	$2.5M	0.9%	11.98%
35	First-Citizens Bank & Trust Company	8	$2.5M	0.9%	17.79%
36	Gulfside Bank	2	$2.4M	0.8%	0.00%
37	Bank OZK	7	$2.3M	0.8%	12.78%
38	Hancock Whitney Bank	2	$2.2M	0.8%	0.00%
39	Valley National Bank	3	$2.2M	0.7%	0.00%
40	Northeast Bank	10	$2.2M	0.7%	0.00%
41	BMO Bank National Association	4	$2.1M	0.7%	7.12%
42	TowneBank	2	$2.0M	0.7%	0.00%
43	b1BANK	1	$1.8M	0.6%	0.00%
44	Banesco USA	2	$1.8M	0.6%	0.00%
45	First American Bank	2	$1.6M	0.5%	10.77%
46	Port 51 Lending LLC	1	$1.5M	0.5%	0.00%
47	Sanibel Captiva Community Bank	2	$1.5M	0.5%	0.00%
48	KeyBank National Association	2	$1.4M	0.5%	46.02%
49	Craft Bank	1	$1.3M	0.4%	0.00%
50	North State Bank	1	$1.3M	0.4%	0.00%
51	CIBC Bank USA	2	$1.3M	0.4%	0.00%
52	Busey Bank	3	$1.3M	0.4%	0.00%
53	Paradise Bank	1	$1.3M	0.4%	0.00%
54	Customers Bank	2	$1.2M	0.4%	0.00%
55	BankUnited, National Association	4	$1.2M	0.4%	0.00%
56	Gulf Coast Bank and Trust Company	2	$1.2M	0.4%	0.00%
57	Enterprise Bank & Trust	1	$1.1M	0.4%	0.00%
58	FinWise Bank	1	$1.0M	0.3%	0.00%
59	Patriot Bank, National Association	2	$983K	0.3%	0.00%
60	Capital One National Association	4	$953K	0.3%	3.24%
61	Farmers State Bank of Alto Pass, Illinois	1	$900K	0.3%	0.00%
62	Federal Deposit Insurance Corporation	1	$875K	0.3%	0.00%
63	CRF Small Business Loan Company, LLC	1	$850K	0.3%	0.00%
64	Calusa Bank	6	$835K	0.3%	0.00%
65	City National Bank of Florida	1	$830K	0.3%	0.00%
66	Merchants Bank of Indiana	1	$810K	0.3%	0.00%
67	TD Bank, National Association	9	$745K	0.3%	0.00%
68	Titan Bank, National Association	1	$735K	0.3%	0.00%
69	Lake Michigan CU	2	$718K	0.2%	0.00%
70	The Bancorp Bank National Association	1	$687K	0.2%	0.00%
71	Cross River Bank	1	$671K	0.2%	0.00%
72	Cogent Bank	1	$630K	0.2%	0.00%
73	Independence Bank	5	$625K	0.2%	24.17%
74	First Merchants Bank	1	$585K	0.2%	0.00%
75	Columbia Bank	3	$580K	0.2%	0.00%
76	First Internet Bank of Indiana	1	$570K	0.2%	0.00%
77	PNC Bank, National Association	1	$546K	0.2%	0.00%
78	Lendistry SBLC, LLC	3	$535K	0.2%	0.00%
79	Harvest Small Business Finance, LLC	1	$516K	0.2%	0.00%
80	Franklin Savings Bank	1	$500K	0.2%	0.00%
81	First Utah Bank	2	$500K	0.2%	0.00%
82	First Bank	1	$499K	0.2%	0.00%
83	Pinnacle Bank	1	$485K	0.2%	0.00%
84	Ameris Bank	1	$436K	0.1%	0.00%
85	First Commonwealth Bank	3	$425K	0.1%	0.00%
86	Citizens Bank	1	$408K	0.1%	0.00%
87	First Business Bank	1	$350K	0.1%	0.00%
88	Midwest Regional Bank	1	$338K	0.1%	0.00%
89	Shoreham Bank	1	$322K	0.1%	0.00%
90	Popular Bank	4	$310K	0.1%	14.15%
91	Encore Bank	1	$215K	0.1%	72.07%
92	LiftFund, Inc.	1	$210K	0.1%	0.00%
93	Five Star Bank	1	$175K	0.1%	0.00%
94	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.1%	0.00%
95	Heritage Bank Inc	1	$132K	0.0%	0.00%
96	West Central Development Corporation	1	$103K	0.0%	0.00%
97	Florida First Capital Finance Corporation, Inc.	1	$100K	0.0%	0.00%
98	VelocitySBA, LLC	7	$93K	0.0%	20.27%
99	Camden National Bank	1	$50K	0.0%	0.00%
100	First National Bank of Pennsylvania	1	$25K	0.0%	100.00%

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	53	$41.8M	14.3%
2	Construction	75	$40.5M	13.8%
3	Health care & social assistance	59	$37.8M	12.9%
4	Other services	60	$30.0M	10.3%
5	Professional & technical services	38	$28.5M	9.8%
6	Wholesale trade	21	$20.4M	7.0%
7	Administrative & waste services	40	$18.7M	6.4%
8	Retail trade	28	$14.1M	4.8%
9	Mining & extraction	3	$11.8M	4.0%
10	Retail trade	17	$8.9M	3.1%
11	Manufacturing	16	$7.1M	2.4%
12	Manufacturing	3	$6.6M	2.3%
13	Real estate & leasing	16	$6.3M	2.2%
14	Information	2	$4.8M	1.6%
15	Finance & insurance	7	$4.5M	1.5%
16	Arts, entertainment & recreation	13	$3.4M	1.2%
17	Transportation & warehousing	11	$2.3M	0.8%
18	Transportation & warehousing	1	$2.2M	0.8%
19	Educational services	2	$1.6M	0.5%
20	Manufacturing	1	$555K	0.2%
21	Agriculture, forestry & fishing	2	$123K	0.0%
22	Utilities	1	$100K	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.