SBA 7(a) lenders in Clay, FL

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

Lenders

82 institutions have SBA 7(a) loans on record in Clay, together $214.4M across 468 loans. Wells Fargo Bank National Association is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Wells Fargo Bank National Association	39	$13.9M	6.5%	7.30%
2	Pinnacle Bank	12	$13.6M	6.3%	1.46%
3	Live Oak Banking Company	15	$13.0M	6.1%	0.00%
4	PNC Bank, National Association	90	$12.7M	5.9%	1.23%
5	Ameris Bank	23	$12.5M	5.8%	3.81%
6	The Huntington National Bank	13	$11.7M	5.4%	0.00%
7	Truist Bank	26	$8.3M	3.9%	1.11%
8	Cogent Bank	5	$6.9M	3.2%	0.00%
9	First Federal Bank	6	$6.8M	3.2%	0.00%
10	Colony Bank	6	$6.6M	3.1%	0.00%
11	Celtic Bank Corporation	10	$5.8M	2.7%	2.92%
12	SouthState Bank, National Association	11	$5.5M	2.6%	8.09%
13	America First Federal Credit Union	2	$5.4M	2.5%	0.00%
14	Regions Bank	13	$5.4M	2.5%	0.00%
15	TD Bank, National Association	25	$5.4M	2.5%	9.52%
16	American Momentum Bank	2	$5.2M	2.4%	0.00%
17	Embassy National Bank	1	$5.0M	2.3%	0.00%
18	Northeast Bank	12	$4.6M	2.1%	0.00%
19	Bank Five Nine	3	$4.0M	1.9%	0.00%
20	The Bancorp Bank National Association	5	$3.9M	1.8%	0.00%
21	Readycap Lending, LLC	8	$3.8M	1.8%	5.54%
22	Lake Michigan CU	3	$3.3M	1.5%	50.15%
23	TowneBank	4	$3.0M	1.4%	0.00%
24	First Merchants Bank	3	$2.2M	1.0%	0.00%
25	Axiom Bank, National Association	1	$2.2M	1.0%	0.00%
26	Beacon Bank and Trust	2	$2.0M	0.9%	0.00%
27	Old National Bank	1	$1.9M	0.9%	0.00%
28	Newtek Bank, National Association	9	$1.9M	0.9%	0.00%
29	Stearns Bank National Association	5	$1.8M	0.8%	24.74%
30	Harvest Small Business Finance, LLC	4	$1.8M	0.8%	0.00%
31	Newtek Small Business Finance, Inc.	8	$1.7M	0.8%	0.00%
32	Georgia Banking Company	1	$1.7M	0.8%	0.00%
33	Banc of California	2	$1.6M	0.8%	0.00%
34	Bank OZK	4	$1.6M	0.7%	0.00%
35	Grasshopper Bank National Association	1	$1.5M	0.7%	0.00%
36	United Bank	2	$1.5M	0.7%	0.00%
37	Climate First Bank	1	$1.4M	0.7%	0.00%
38	United Midwest Savings Bank National Association	6	$1.2M	0.5%	0.00%
39	First National Bank of Coffee County	1	$1.1M	0.5%	0.00%
40	FWBank	1	$1.0M	0.5%	0.00%
41	PromiseOne Bank	2	$1.0M	0.5%	0.00%
42	Citizens Bank	1	$962K	0.4%	0.00%
43	BayFirst National Bank	6	$952K	0.4%	12.96%
44	Bank of America, National Association	4	$946K	0.4%	0.00%
45	JPMorgan Chase Bank, National Association	6	$945K	0.4%	0.00%
46	OptimumBank	1	$905K	0.4%	0.00%
47	Southern Bank	2	$869K	0.4%	43.62%
48	CRF Small Business Loan Company, LLC	2	$830K	0.4%	33.69%
49	United Community Bank	1	$800K	0.4%	0.00%
50	iTHINK Financial Credit Union	1	$795K	0.4%	0.00%
51	Lendistry SBLC, LLC	3	$750K	0.3%	0.00%
52	Magnifi Financial CU	2	$725K	0.3%	0.00%
53	VelocitySBA, LLC	8	$642K	0.3%	0.05%
54	Fifth Third Bank	2	$630K	0.3%	93.15%
55	Leader Bank, National Association	1	$614K	0.3%	0.00%
56	Byline Bank	2	$607K	0.3%	0.00%
57	Seacoast National Bank	1	$545K	0.3%	0.00%
58	Meridian Bank	1	$544K	0.3%	0.00%
59	First-Citizens Bank & Trust Company	2	$474K	0.2%	0.00%
60	The Fidelity Bank	1	$400K	0.2%	0.00%
61	First National Bank of Pennsylvania	2	$390K	0.2%	0.00%
62	Paragon Bank	1	$364K	0.2%	0.00%
63	Five Star Bank	1	$350K	0.2%	0.00%
64	Community West Bank	1	$348K	0.2%	92.83%
65	Gulf Coast Bank and Trust Company	1	$347K	0.2%	0.00%
66	Popular Bank	2	$305K	0.1%	0.00%
67	BMO Bank National Association	1	$300K	0.1%	0.00%
68	Independence Bank	2	$300K	0.1%	77.53%
69	Florida Business Development Corporation	2	$287K	0.1%	0.00%
70	Eastern Financial Florida CU	1	$268K	0.1%	0.00%
71	Columbia Bank	5	$250K	0.1%	15.30%
72	Florida Capital Bank, National Association	1	$246K	0.1%	0.00%
73	Unity Bank	1	$210K	0.1%	65.35%
74	ConnectOne Bank	1	$205K	0.1%	0.00%
75	Capital Bank, National Association	1	$200K	0.1%	0.00%
76	Pathward National Association	1	$150K	0.1%	0.00%
77	Hancock Whitney Bank	1	$137K	0.1%	0.00%
78	Sunshine State Economic Development Corporation	1	$125K	0.1%	0.00%
79	LiftFund, Inc.	2	$95K	0.0%	0.00%
80	Capital One National Association	2	$75K	0.0%	0.00%
81	Navy FCU	1	$64K	0.0%	0.00%
82	SoFi Bank, National Association	2	$35K	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	49	$40.2M	18.8%
2	Accommodation & food services	63	$38.2M	17.8%
3	Professional & technical services	46	$23.5M	10.9%
4	Retail trade	30	$17.7M	8.3%
5	Construction	64	$17.2M	8.0%
6	Arts, entertainment & recreation	16	$14.6M	6.8%
7	Other services	46	$13.4M	6.2%
8	Retail trade	35	$12.3M	5.7%
9	Manufacturing	17	$8.7M	4.1%
10	Administrative & waste services	27	$8.5M	4.0%
11	Manufacturing	9	$5.4M	2.5%
12	Educational services	14	$4.3M	2.0%
13	Transportation & warehousing	16	$2.9M	1.4%
14	Transportation & warehousing	4	$1.6M	0.8%
15	Wholesale trade	11	$1.5M	0.7%
16	Real estate & leasing	7	$1.3M	0.6%
17	Manufacturing	3	$1.2M	0.6%
18	Management of companies	3	$563K	0.3%
19	Finance & insurance	3	$501K	0.2%
20	Information	3	$378K	0.2%
21	Agriculture, forestry & fishing	2	$213K	0.1%

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.