SBA 7(a) lenders in Osceola, FL

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

Lenders

115 institutions have SBA 7(a) loans on record in Osceola, together $376.4M across 819 loans. Truist Bank is the largest, with 6% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Truist Bank	43	$21.8M	5.8%	2.77%
2	Newtek Small Business Finance, Inc.	15	$20.8M	5.5%	0.00%
3	The Huntington National Bank	37	$15.3M	4.1%	0.00%
4	Live Oak Banking Company	10	$14.7M	3.9%	0.00%
5	Wells Fargo Bank National Association	65	$14.4M	3.8%	2.48%
6	Celtic Bank Corporation	16	$12.0M	3.2%	4.03%
7	BankUnited, National Association	7	$11.7M	3.1%	0.00%
8	SouthState Bank, National Association	23	$11.4M	3.0%	0.36%
9	Newtek Bank, National Association	28	$10.0M	2.7%	0.00%
10	JPMorgan Chase Bank, National Association	63	$9.7M	2.6%	4.38%
11	TD Bank, National Association	90	$9.3M	2.5%	2.00%
12	Shoreham Bank	2	$8.7M	2.3%	0.00%
13	First Federal Bank	2	$8.4M	2.2%	0.00%
14	Regions Bank	17	$8.3M	2.2%	1.19%
15	Fifth Third Bank	12	$8.1M	2.2%	1.33%
16	First Western SBLC, LLC	3	$8.0M	2.1%	0.00%
17	Readycap Lending, LLC	44	$7.8M	2.1%	0.24%
18	Ameris Bank	9	$7.6M	2.0%	4.33%
19	Centerstone SBA Lending, Inc.	3	$7.2M	1.9%	0.00%
20	Stone Bank	5	$6.3M	1.7%	0.00%
21	Centennial Bank	6	$6.0M	1.6%	0.00%
22	Gulf Coast Bank and Trust Company	7	$5.8M	1.6%	0.00%
23	BayFirst National Bank	24	$5.5M	1.5%	1.68%
24	Northeast Bank	31	$5.2M	1.4%	1.45%
25	First Internet Bank of Indiana	3	$5.1M	1.3%	0.00%
26	Columbia Bank	2	$5.0M	1.3%	0.47%
27	IncredibleBank	2	$4.8M	1.3%	0.00%
28	PromiseOne Bank	5	$4.7M	1.2%	0.00%
29	Seacoast National Bank	11	$4.7M	1.2%	3.22%
30	United Community Bank	4	$4.6M	1.2%	21.51%
31	Open Bank	1	$4.4M	1.2%	0.00%
32	Bank of Hays	4	$4.2M	1.1%	0.00%
33	Metro City Bank	2	$3.8M	1.0%	0.00%
34	Coastal States Bank	1	$3.4M	0.9%	0.00%
35	Valley National Bank	3	$3.2M	0.8%	0.00%
36	Bank of Hope	23	$3.1M	0.8%	6.99%
37	FDIC - Community Bank & Trust-West Georgia	1	$3.0M	0.8%	0.00%
38	First-Citizens Bank & Trust Company	5	$3.0M	0.8%	0.00%
39	McCoy FCU	4	$2.8M	0.8%	0.00%
40	Encore Bank	1	$2.7M	0.7%	0.00%
41	The MINT National Bank	3	$2.6M	0.7%	0.00%
42	Byline Bank	3	$2.6M	0.7%	18.74%
43	Northwest Bank	2	$2.4M	0.6%	0.00%
44	United Midwest Savings Bank National Association	12	$2.2M	0.6%	0.00%
45	One Florida Bank	3	$2.1M	0.6%	0.00%
46	Customers Bank	3	$2.0M	0.5%	49.76%
47	Bank of America, National Association	17	$2.0M	0.5%	5.36%
48	Midwest Regional Bank	4	$1.9M	0.5%	6.25%
49	Enterprise Bank & Trust	1	$1.9M	0.5%	0.00%
50	Bank OZK	1	$1.8M	0.5%	0.00%
51	Capital Bank, National Association	3	$1.8M	0.5%	0.00%
52	First Business Bank	2	$1.7M	0.4%	0.00%
53	PNC Bank, National Association	4	$1.7M	0.4%	0.00%
54	First National Bank of Pennsylvania	2	$1.6M	0.4%	0.00%
55	First Financial Bank	1	$1.6M	0.4%	0.00%
56	Stearns Bank National Association	10	$1.5M	0.4%	37.75%
57	Harvest Small Business Finance, LLC	2	$1.5M	0.4%	0.00%
58	Genesis Bank	1	$1.5M	0.4%	0.00%
59	Popular Bank	13	$1.4M	0.4%	18.12%
60	Evolve Bank and Trust	2	$1.4M	0.4%	0.00%
61	Florida Capital Bank, National Association	3	$1.4M	0.4%	0.00%
62	Climate First Bank	3	$1.3M	0.3%	0.00%
63	Colony Bank	3	$1.2M	0.3%	0.00%
64	Touchmark National Bank	1	$1.2M	0.3%	0.00%
65	North State Bank	1	$1.2M	0.3%	0.00%
66	United Western Bank	1	$1.1M	0.3%	0.00%
67	Lake Michigan CU	2	$1.1M	0.3%	0.00%
68	TowneBank	2	$1.1M	0.3%	0.00%
69	U.S. Bank, National Association	6	$1.1M	0.3%	0.00%
70	Merchants & Marine Bank	1	$1.0M	0.3%	0.00%
71	State Bank of Texas	1	$1.0M	0.3%	0.00%
72	ConnectOne Bank	1	$977K	0.3%	0.00%
73	CenTrust Bank, A Division of SmartBiz Bank National Association	6	$920K	0.2%	0.00%
74	Beacon Bank and Trust	2	$887K	0.2%	0.00%
75	Pathward National Association	1	$880K	0.2%	0.00%
76	Citizens Bank	1	$843K	0.2%	0.00%
77	Lendistry SBLC, LLC	3	$834K	0.2%	0.00%
78	HomeTrust Bank	1	$783K	0.2%	0.00%
79	BBIF Captial, Inc.	3	$750K	0.2%	0.00%
80	Fund-Ex Solutions Group, LLC	1	$710K	0.2%	0.00%
81	Georgia Banking Company	1	$690K	0.2%	0.00%
82	First Bank of the Lake	3	$650K	0.2%	0.00%
83	First Merchants Bank	1	$648K	0.2%	64.59%
84	Locality Bank	1	$586K	0.2%	0.00%
85	Wilmington Savings Fund Society FSB	1	$570K	0.2%	0.00%
86	Old Glory Bank	1	$554K	0.1%	0.00%
87	Grasshopper Bank National Association	1	$540K	0.1%	0.00%
88	Amerant Bank, National Association	3	$510K	0.1%	0.00%
89	Central Bank	1	$500K	0.1%	0.00%
90	CRF Small Business Loan Company, LLC	2	$478K	0.1%	0.00%
91	Meridian Bank	1	$475K	0.1%	0.00%
92	Bank of Oak Ridge	1	$456K	0.1%	0.00%
93	Truliant FCU	1	$375K	0.1%	0.00%
94	Community West Bank	1	$356K	0.1%	0.00%
95	DFCU Financial	1	$352K	0.1%	0.00%
96	Western State Bank	1	$350K	0.1%	0.00%
97	Independence Bank	3	$350K	0.1%	34.65%
98	Axiom Bank, National Association	1	$326K	0.1%	0.00%
99	Bank Five Nine	1	$325K	0.1%	0.00%
100	Sunflower Bank National Association	1	$323K	0.1%	0.00%
101	Sanibel Captiva Community Bank	1	$320K	0.1%	0.00%
102	The Bank of Houston	1	$312K	0.1%	0.00%
103	America First Federal Credit Union	1	$309K	0.1%	0.00%
104	Five Star Bank	1	$275K	0.1%	0.00%
105	United Bank	1	$254K	0.1%	0.00%
106	VelocitySBA, LLC	11	$245K	0.1%	13.70%
107	City National Bank of Florida	1	$215K	0.1%	0.00%
108	Sunrise Bank	1	$213K	0.1%	0.00%
109	Federal Deposit Insurance Corporation	1	$170K	0.0%	0.00%
110	CDC Small Business Finance Corp.	2	$165K	0.0%	0.00%
111	Cogent Bank	1	$150K	0.0%	64.81%
112	CCFBank National Association	1	$100K	0.0%	0.00%
113	Zions Bank, A Division of	1	$50K	0.0%	0.00%
114	Pinnacle Bank	1	$30K	0.0%	0.00%
115	SoFi Bank, National Association	1	$25K	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	109	$102.5M	27.2%
2	Health care & social assistance	102	$62.0M	16.5%
3	Retail trade	61	$33.8M	9.0%
4	Construction	98	$32.6M	8.7%
5	Real estate & leasing	40	$23.2M	6.2%
6	Other services	70	$23.0M	6.1%
7	Professional & technical services	70	$21.7M	5.8%
8	Transportation & warehousing	58	$20.2M	5.4%
9	Administrative & waste services	56	$11.0M	2.9%
10	Retail trade	34	$8.6M	2.3%
11	Agriculture, forestry & fishing	2	$8.4M	2.2%
12	Arts, entertainment & recreation	16	$7.5M	2.0%
13	Wholesale trade	27	$6.2M	1.7%
14	Finance & insurance	23	$4.6M	1.2%
15	Educational services	15	$2.9M	0.8%
16	Manufacturing	9	$2.3M	0.6%
17	Manufacturing	9	$2.1M	0.6%
18	Manufacturing	5	$1.2M	0.3%
19	Transportation & warehousing	7	$1.1M	0.3%
20	Mining & extraction	1	$500K	0.1%
21	Information	5	$404K	0.1%
22	Management of companies	1	$250K	0.1%
23	Utilities	1	$150K	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.