SBA 7(a) lenders in Polk, FL

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

Lenders

129 institutions have SBA 7(a) loans on record in Polk, together $575.4M across 1,039 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	31	$40.6M	7.1%	2.67%
2	Truist Bank	55	$24.4M	4.2%	5.39%
3	Wells Fargo Bank National Association	105	$22.6M	3.9%	4.28%
4	The Huntington National Bank	59	$21.3M	3.7%	0.00%
5	Fifth Third Bank	12	$20.2M	3.5%	1.53%
6	SouthState Bank, National Association	27	$18.9M	3.3%	0.00%
7	TD Bank, National Association	102	$17.2M	3.0%	6.61%
8	BayFirst National Bank	42	$16.5M	2.9%	0.00%
9	Bank Five Nine	13	$16.3M	2.8%	0.00%
10	Bank of America, National Association	28	$15.2M	2.6%	2.19%
11	Readycap Lending, LLC	39	$15.1M	2.6%	5.97%
12	Bank of Central Florida	11	$11.7M	2.0%	0.00%
13	Stearns Bank National Association	15	$11.6M	2.0%	6.81%
14	Centennial Bank	16	$10.8M	1.9%	13.60%
15	Lake Michigan CU	15	$10.6M	1.8%	0.00%
16	Newtek Small Business Finance, Inc.	12	$10.4M	1.8%	0.00%
17	Byline Bank	7	$10.3M	1.8%	0.00%
18	Valley National Bank	12	$10.0M	1.7%	0.00%
19	Regions Bank	11	$8.9M	1.5%	3.52%
20	First Bank of the Lake	6	$8.3M	1.4%	0.00%
21	The MINT National Bank	3	$7.7M	1.3%	0.00%
22	Seacoast National Bank	12	$7.7M	1.3%	0.00%
23	Ameris Bank	12	$7.3M	1.3%	0.00%
24	Millennium Bank	2	$7.3M	1.3%	0.00%
25	Hancock Whitney Bank	5	$6.8M	1.2%	0.00%
26	First Western SBLC, LLC	2	$6.6M	1.1%	0.00%
27	Newtek Bank, National Association	29	$6.5M	1.1%	0.00%
28	United Midwest Savings Bank National Association	22	$6.3M	1.1%	1.90%
29	Citizens Bank	6	$6.2M	1.1%	0.00%
30	HomeTrust Bank	5	$6.2M	1.1%	2.80%
31	Pathward National Association	4	$5.8M	1.0%	0.00%
32	Crews Bank and Trust	4	$5.7M	1.0%	0.00%
33	Northeast Bank	34	$5.7M	1.0%	12.65%
34	First Internet Bank of Indiana	4	$5.5M	1.0%	0.00%
35	PromiseOne Bank	3	$5.3M	0.9%	0.00%
36	Cogent Bank	5	$5.2M	0.9%	5.48%
37	Happen Bank	2	$5.1M	0.9%	0.00%
38	FinWise Bank	1	$5.0M	0.9%	0.00%
39	Everwise Credit Union	1	$5.0M	0.9%	0.00%
40	First-Citizens Bank & Trust Company	9	$4.9M	0.8%	0.00%
41	BankUnited, National Association	5	$4.8M	0.8%	0.00%
42	Commonwealth Business Bank	1	$4.5M	0.8%	0.00%
43	VelocitySBA, LLC	8	$4.2M	0.7%	0.56%
44	DFCU Financial	4	$4.1M	0.7%	0.00%
45	PNC Bank, National Association	8	$3.7M	0.6%	16.18%
46	TowneBank	5	$3.6M	0.6%	0.00%
47	Gulf Coast Bank and Trust Company	4	$3.6M	0.6%	0.00%
48	Customers Bank	5	$3.4M	0.6%	0.00%
49	Celtic Bank Corporation	16	$3.4M	0.6%	3.61%
50	JPMorgan Chase Bank, National Association	26	$3.3M	0.6%	1.53%
51	Port 51 Lending LLC	1	$3.2M	0.6%	0.00%
52	American Momentum Bank	3	$3.1M	0.5%	44.69%
53	First Federal Bank	3	$3.1M	0.5%	0.00%
54	First National Bank of Pennsylvania	5	$3.0M	0.5%	0.00%
55	Firstrust Savings Bank	3	$2.9M	0.5%	0.00%
56	Truliant FCU	3	$2.8M	0.5%	0.00%
57	First Bank	4	$2.8M	0.5%	36.14%
58	Colony Bank	4	$2.7M	0.5%	0.00%
59	Banc of California	3	$2.6M	0.5%	0.00%
60	Bank OZK	2	$2.4M	0.4%	0.00%
61	First Merchants Bank	2	$2.3M	0.4%	0.00%
62	Merchants Bank of Indiana	1	$2.3M	0.4%	0.00%
63	Columbia Bank	6	$2.2M	0.4%	1.89%
64	Beacon Bank and Trust	3	$2.2M	0.4%	0.00%
65	Suncoast CU	5	$2.1M	0.4%	0.00%
66	Metro City Bank	1	$2.1M	0.4%	0.00%
67	Encore Bank	4	$2.1M	0.4%	0.00%
68	Community West Bank	2	$2.0M	0.4%	97.82%
69	Amerant Bank, National Association	2	$2.0M	0.4%	0.00%
70	United Community Bank	5	$2.0M	0.4%	0.00%
71	Pinnacle Bank	3	$1.9M	0.3%	0.00%
72	Harvest Small Business Finance, LLC	4	$1.9M	0.3%	0.00%
73	Lendistry SBLC, LLC	7	$1.9M	0.3%	0.00%
74	First Horizon Bank	2	$1.7M	0.3%	0.00%
75	FWBank	1	$1.7M	0.3%	0.00%
76	Midwest Regional Bank	4	$1.6M	0.3%	9.80%
77	Wilmington Savings Fund Society FSB	2	$1.5M	0.3%	0.00%
78	Five Star Bank	7	$1.5M	0.3%	0.00%
79	The Fidelity Bank	2	$1.5M	0.3%	0.00%
80	The Bancorp Bank National Association	2	$1.5M	0.3%	0.00%
81	Banesco USA	1	$1.4M	0.2%	0.00%
82	Enterprise Bank & Trust	2	$1.4M	0.2%	0.00%
83	iTHINK Financial Credit Union	2	$1.4M	0.2%	0.00%
84	Climate First Bank	2	$1.3M	0.2%	0.00%
85	Platinum Bank	2	$1.2M	0.2%	0.00%
86	Renasant Bank	2	$1.1M	0.2%	0.00%
87	Paradise Bank	2	$1.1M	0.2%	0.00%
88	CRF Small Business Loan Company, LLC	3	$1.0M	0.2%	0.00%
89	Hana Small Business Lending, Inc.	1	$1.0M	0.2%	0.00%
90	Central Bank	2	$1.0M	0.2%	0.00%
91	SouthPoint Bank	2	$997K	0.2%	0.00%
92	Manufacturers and Traders Trust Company	1	$850K	0.1%	0.00%
93	Centerstone SBA Lending, Inc.	1	$850K	0.1%	0.00%
94	Wachovia SBA Lending, Inc.	1	$834K	0.1%	0.00%
95	Shoreham Bank	1	$825K	0.1%	60.49%
96	City National Bank of Florida	2	$815K	0.1%	0.00%
97	First Bank	3	$745K	0.1%	0.00%
98	Waterfall Bank	1	$664K	0.1%	0.00%
99	Heritage Bank Inc	1	$660K	0.1%	0.00%
100	Capital Community Bank	1	$626K	0.1%	0.00%
101	First Bank of Central Ohio	1	$545K	0.1%	0.00%
102	Poppy Bank	1	$527K	0.1%	0.00%
103	Federal Deposit Insurance Corporation	1	$500K	0.1%	0.00%
104	22nd State Bank, A Division of 22nd State Banking Company	1	$466K	0.1%	0.00%
105	First Commonwealth Bank	1	$450K	0.1%	0.00%
106	Evolve Bank and Trust	1	$431K	0.1%	0.00%
107	Achieva CU	1	$414K	0.1%	77.39%
108	The Bank of Tampa	1	$403K	0.1%	0.00%
109	Independence Bank	3	$400K	0.1%	0.00%
110	Midflorida CU	1	$371K	0.1%	0.00%
111	Sunshine State Economic Development Corporation	2	$363K	0.1%	0.00%
112	Hanmi Bank	1	$350K	0.1%	0.00%
113	Capital Bank, National Association	1	$350K	0.1%	0.00%
114	Republic Bank & Trust Company	1	$350K	0.1%	0.00%
115	Nicolet National Bank	1	$308K	0.1%	0.00%
116	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$230K	0.0%	0.00%
117	Bank of Hope	11	$205K	0.0%	54.54%
118	Popular Bank	3	$205K	0.0%	22.36%
119	National Institutes of Health Federal Credit Union	2	$150K	0.0%	0.00%
120	Servbank National Association	1	$150K	0.0%	0.00%
121	Ascendus, Inc.	1	$125K	0.0%	0.00%
122	Navy FCU	1	$122K	0.0%	0.00%
123	Bank of Hays	1	$106K	0.0%	0.00%
124	Carver State Bank	1	$100K	0.0%	0.00%
125	Optus Bank	1	$100K	0.0%	0.00%
126	Fairwinds CU	1	$80K	0.0%	0.00%
127	Capital One National Association	1	$50K	0.0%	0.00%
128	BBIF Captial, Inc.	1	$50K	0.0%	0.00%
129	U.S. Bank, National Association	1	$30K	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	135	$114.4M	19.9%
2	Health care & social assistance	104	$73.4M	12.8%
3	Professional & technical services	116	$61.1M	10.6%
4	Retail trade	86	$47.9M	8.3%
5	Other services	102	$47.3M	8.2%
6	Construction	125	$39.0M	6.8%
7	Real estate & leasing	47	$37.3M	6.5%
8	Manufacturing	34	$26.1M	4.5%
9	Administrative & waste services	68	$25.6M	4.5%
10	Arts, entertainment & recreation	27	$18.8M	3.3%
11	Retail trade	48	$15.7M	2.7%
12	Transportation & warehousing	47	$14.9M	2.6%
13	Manufacturing	14	$13.0M	2.3%
14	Finance & insurance	24	$11.0M	1.9%
15	Wholesale trade	22	$10.9M	1.9%
16	Manufacturing	12	$8.5M	1.5%
17	Agriculture, forestry & fishing	6	$3.1M	0.5%
18	Educational services	11	$2.8M	0.5%
19	Mining & extraction	2	$2.7M	0.5%
20	Transportation & warehousing	4	$1.5M	0.3%
21	Information	4	$479K	0.1%
22	Utilities	1	$20K	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.