SBA 7(a) lenders in Lake, FL

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

Lenders

114 institutions have SBA 7(a) loans on record in Lake, together $377.4M across 757 loans. Live Oak Banking Company is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	19	$28.2M	7.5%	0.00%
2	SouthState Bank, National Association	20	$16.8M	4.4%	1.98%
3	Wells Fargo Bank National Association	82	$16.3M	4.3%	4.96%
4	Seacoast National Bank	35	$15.6M	4.1%	3.78%
5	Regions Bank	20	$14.6M	3.9%	0.00%
6	North State Bank	6	$11.2M	3.0%	0.00%
7	Readycap Lending, LLC	32	$11.0M	2.9%	7.61%
8	Truist Bank	26	$10.6M	2.8%	0.00%
9	Newtek Small Business Finance, LLC	16	$10.5M	2.8%	1.48%
10	TD Bank, National Association	50	$9.8M	2.6%	0.00%
11	The Huntington National Bank	26	$9.3M	2.5%	0.00%
12	Celtic Bank Corporation	17	$7.7M	2.0%	9.88%
13	Newtek Bank, National Association	29	$7.7M	2.0%	0.00%
14	JPMorgan Chase Bank, National Association	39	$7.6M	2.0%	0.84%
15	The First National Bank of Mount Dora	4	$7.6M	2.0%	0.00%
16	BankUnited, National Association	6	$7.2M	1.9%	0.00%
17	Beacon Bank and Trust	5	$6.6M	1.8%	0.00%
18	DFCU Financial	6	$6.2M	1.6%	0.00%
19	PNC Bank, National Association	22	$6.1M	1.6%	5.64%
20	First Internet Bank of Indiana	5	$5.6M	1.5%	0.00%
21	Citizens Bank	5	$5.3M	1.4%	0.00%
22	TowneBank	3	$5.2M	1.4%	0.00%
23	Loyal Trust Bank	1	$5.0M	1.3%	0.00%
24	First Bank of Central Ohio	1	$5.0M	1.3%	0.00%
25	Bank of America, National Association	14	$4.8M	1.3%	0.00%
26	Fifth Third Bank	18	$4.8M	1.3%	2.08%
27	Pathward National Association	2	$4.7M	1.2%	0.00%
28	Northeast Bank	26	$4.5M	1.2%	0.00%
29	T Bank, National Association	1	$4.5M	1.2%	0.00%
30	GBank	1	$4.4M	1.2%	0.00%
31	First Bank	4	$4.4M	1.2%	0.00%
32	Customers Bank	4	$4.2M	1.1%	0.00%
33	IncredibleBank	1	$4.0M	1.1%	0.00%
34	Ameris Bank	7	$3.7M	1.0%	1.54%
35	Stearns Bank National Association	5	$3.5M	0.9%	4.12%
36	BayFirst National Bank	16	$3.5M	0.9%	0.00%
37	The MINT National Bank	2	$3.3M	0.9%	0.00%
38	Banesco USA	3	$3.3M	0.9%	0.00%
39	First-Citizens Bank & Trust Company	6	$3.1M	0.8%	0.00%
40	America First Federal Credit Union	1	$3.1M	0.8%	0.00%
41	FWBank	2	$3.1M	0.8%	0.00%
42	First Bank of the Lake	8	$3.0M	0.8%	0.00%
43	Studio Bank	2	$2.9M	0.8%	0.00%
44	First National Bank of Pennsylvania	2	$2.4M	0.6%	0.00%
45	United Midwest Savings Bank National Association	14	$2.4M	0.6%	3.49%
46	Colony Bank	3	$2.2M	0.6%	0.00%
47	American Momentum Bank	4	$2.1M	0.6%	0.00%
48	Western State Bank	1	$2.1M	0.6%	0.00%
49	Cogent Bank	2	$2.0M	0.5%	0.00%
50	Stone Bank	4	$2.0M	0.5%	0.00%
51	Centennial Bank	2	$1.9M	0.5%	0.00%
52	Capital Bank, National Association	2	$1.9M	0.5%	0.00%
53	Harvest Small Business Finance, LLC	3	$1.9M	0.5%	0.00%
54	Climate First Bank	4	$1.9M	0.5%	0.00%
55	Avidia Bank	1	$1.9M	0.5%	0.00%
56	Happen Bank	2	$1.8M	0.5%	0.00%
57	Heritage Bank Inc	1	$1.7M	0.5%	0.00%
58	Northwest Bank	2	$1.6M	0.4%	0.00%
59	Banc of California	1	$1.6M	0.4%	0.00%
60	Milestone Bank	1	$1.5M	0.4%	0.00%
61	Lake Michigan CU	2	$1.4M	0.4%	0.00%
62	First Federal Bank	2	$1.4M	0.4%	0.00%
63	Thread Bank	1	$1.4M	0.4%	0.00%
64	Byline Bank	2	$1.4M	0.4%	0.00%
65	Gulf Coast Bank and Trust Company	3	$1.3M	0.3%	0.00%
66	United Community Bank	4	$1.3M	0.3%	0.00%
67	Midwest Regional Bank	3	$1.3M	0.3%	0.00%
68	Simmons Bank	2	$1.3M	0.3%	0.00%
69	Bank of Central Florida	2	$1.2M	0.3%	0.00%
70	Woodlands National Bank	1	$1.2M	0.3%	0.00%
71	Evolve Bank and Trust	1	$1.1M	0.3%	0.00%
72	KeyBank National Association	1	$1.1M	0.3%	0.00%
73	HomeTrust Bank	1	$1.1M	0.3%	0.00%
74	Valley National Bank	2	$1.1M	0.3%	0.00%
75	22nd State Bank, A Division of 22nd State Banking Company	1	$1.1M	0.3%	0.00%
76	Florida Capital Bank, National Association	2	$1.0M	0.3%	0.00%
77	Hyperion Bank	1	$972K	0.3%	0.00%
78	The Bancorp Bank National Association	2	$924K	0.2%	0.00%
79	Platinum Bank	2	$880K	0.2%	0.00%
80	United Bank	2	$840K	0.2%	0.00%
81	Axiom Bank, National Association	4	$814K	0.2%	0.00%
82	Federal Deposit Insurance Corporation	2	$798K	0.2%	0.00%
83	Capital Credit Union	1	$750K	0.2%	0.00%
84	Pinnacle Bank	2	$734K	0.2%	0.00%
85	Truliant FCU	1	$705K	0.2%	0.00%
86	VelocitySBA, LLC	11	$684K	0.2%	1.00%
87	Bank Five Nine	1	$567K	0.2%	0.00%
88	Waterfall Bank	1	$554K	0.1%	0.00%
89	U.S. Bank, National Association	1	$486K	0.1%	0.00%
90	Georgia Banking Company	1	$477K	0.1%	0.00%
91	First Merchants Bank	1	$452K	0.1%	15.06%
92	City National Bank of Florida	1	$450K	0.1%	62.52%
93	Five Star Bank	2	$415K	0.1%	51.96%
94	Popular Bank	4	$388K	0.1%	0.03%
95	Lendistry SBLC, LLC	3	$374K	0.1%	0.00%
96	Bravera Bank	1	$370K	0.1%	0.00%
97	BBIF Captial, Inc.	2	$325K	0.1%	0.00%
98	Centerstone SBA Lending, Inc.	1	$315K	0.1%	0.00%
99	Southern Bank	1	$231K	0.1%	0.00%
100	Bank of Hope	12	$210K	0.1%	40.93%
101	Peoples Bank	1	$208K	0.1%	0.00%
102	McCoy FCU	2	$195K	0.1%	0.00%
103	Metro City Bank	1	$185K	0.0%	0.00%
104	Independence Bank	2	$175K	0.0%	77.68%
105	CRF Small Business Loan Company, LLC	1	$160K	0.0%	0.00%
106	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.0%	0.00%
107	Hanscom FCU	1	$130K	0.0%	0.00%
108	Renasant Bank	1	$120K	0.0%	0.00%
109	BMO Bank National Association	2	$100K	0.0%	0.00%
110	Capital One National Association	2	$100K	0.0%	39.43%
111	Fairwinds CU	1	$76K	0.0%	0.00%
112	Adelphi Bank	1	$75K	0.0%	0.00%
113	Bangor Savings Bank	2	$50K	0.0%	0.00%
114	Columbia Bank	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	Accommodation & food services	89	$72.9M	19.3%
2	Health care & social assistance	134	$68.5M	18.2%
3	Construction	112	$54.3M	14.4%
4	Retail trade	55	$37.8M	10.0%
5	Professional & technical services	58	$27.3M	7.2%
6	Other services	59	$21.2M	5.6%
7	Arts, entertainment & recreation	30	$17.7M	4.7%
8	Real estate & leasing	18	$16.8M	4.5%
9	Administrative & waste services	52	$13.6M	3.6%
10	Manufacturing	25	$13.2M	3.5%
11	Retail trade	27	$6.8M	1.8%
12	Transportation & warehousing	23	$6.3M	1.7%
13	Wholesale trade	23	$5.7M	1.5%
14	Transportation & warehousing	6	$4.6M	1.2%
15	Agriculture, forestry & fishing	2	$3.0M	0.8%
16	Information	9	$2.1M	0.6%
17	Manufacturing	9	$2.0M	0.5%
18	Educational services	8	$1.0M	0.3%
19	Manufacturing	6	$800K	0.2%
20	Finance & insurance	8	$793K	0.2%
21	Management of companies	1	$325K	0.1%
22	Utilities	2	$300K	0.1%
23	Mining & extraction	1	$215K	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.