SBA 7(a) lenders in Saint Johns, FL

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

Lenders

113 institutions have SBA 7(a) loans on record in Saint Johns, together $514.2M across 848 loans. Live Oak Banking Company is the largest, with 9% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	24	$45.6M	8.9%	1.33%
2	Ameris Bank	30	$36.1M	7.0%	1.11%
3	SouthState Bank, National Association	42	$32.6M	6.3%	0.00%
4	PNC Bank, National Association	63	$28.5M	5.5%	2.44%
5	Wells Fargo Bank National Association	83	$21.5M	4.2%	7.49%
6	Pinnacle Bank	22	$19.4M	3.8%	2.13%
7	Newtek Bank, National Association	40	$19.0M	3.7%	0.00%
8	The Huntington National Bank	44	$18.2M	3.5%	0.00%
9	Celtic Bank Corporation	15	$17.4M	3.4%	0.00%
10	Truist Bank	25	$12.3M	2.4%	2.89%
11	TowneBank	9	$11.4M	2.2%	4.38%
12	Bank OZK	3	$10.5M	2.0%	0.00%
13	BankUnited, National Association	5	$9.7M	1.9%	0.00%
14	Banc of California	5	$9.2M	1.8%	0.00%
15	PromiseOne Bank	6	$9.0M	1.7%	0.00%
16	TD Bank, National Association	37	$7.9M	1.5%	0.00%
17	United Community Bank	10	$7.2M	1.4%	0.00%
18	Readycap Lending, LLC	24	$6.9M	1.3%	0.00%
19	Paragon Bank	4	$6.9M	1.3%	0.00%
20	American Momentum Bank	3	$6.4M	1.3%	0.00%
21	Regions Bank	19	$6.3M	1.2%	0.00%
22	First Bank	2	$6.1M	1.2%	12.59%
23	Harvest Small Business Finance, LLC	5	$6.0M	1.2%	0.00%
24	Climate First Bank	3	$5.6M	1.1%	0.00%
25	Bank of America, National Association	15	$5.4M	1.0%	0.16%
26	Renasant Bank	3	$5.1M	1.0%	0.00%
27	Fifth Third Bank	6	$5.0M	1.0%	0.92%
28	Farmers and Merchants Bank	1	$5.0M	1.0%	0.00%
29	Capital One National Association	3	$4.9M	0.9%	1.50%
30	Bank Five Nine	4	$4.8M	0.9%	0.00%
31	Cogent Bank	6	$4.7M	0.9%	0.00%
32	United Midwest Savings Bank National Association	28	$4.7M	0.9%	2.69%
33	First National Bank of Coffee County	3	$4.6M	0.9%	0.00%
34	Stearns Bank National Association	10	$4.4M	0.8%	0.00%
35	Valley National Bank	7	$4.3M	0.8%	0.00%
36	Newtek Small Business Finance, Inc.	11	$4.1M	0.8%	0.00%
37	Northeast Bank	21	$4.0M	0.8%	0.00%
38	Byline Bank	3	$3.9M	0.8%	0.00%
39	Peoples Bank	1	$3.6M	0.7%	0.00%
40	EagleBank	2	$3.5M	0.7%	0.00%
41	First-Citizens Bank & Trust Company	6	$3.4M	0.7%	0.00%
42	JPMorgan Chase Bank, National Association	17	$3.2M	0.6%	10.81%
43	Midwest Regional Bank	7	$3.2M	0.6%	0.00%
44	VyStar CU	5	$3.2M	0.6%	0.00%
45	Pineland Bank	6	$3.1M	0.6%	0.00%
46	FDIC - Community Bank & Trust-West Georgia	2	$3.0M	0.6%	0.00%
47	The Bancorp Bank National Association	3	$2.9M	0.6%	0.00%
48	North State Bank	4	$2.9M	0.6%	0.00%
49	First National Bank of Pennsylvania	7	$2.7M	0.5%	0.00%
50	Barwick Banking Company	8	$2.7M	0.5%	0.00%
51	Stone Bank	4	$2.7M	0.5%	0.00%
52	OptimumBank	3	$2.6M	0.5%	0.00%
53	BayFirst National Bank	13	$2.6M	0.5%	12.83%
54	Pathward National Association	3	$2.3M	0.5%	0.00%
55	First Federal Bank	6	$2.3M	0.5%	0.00%
56	First Merchants Bank	2	$2.3M	0.4%	0.00%
57	Columbia Bank	4	$1.9M	0.4%	0.00%
58	Metro City Bank	1	$1.9M	0.4%	0.00%
59	CRF Small Business Loan Company, LLC	3	$1.9M	0.4%	0.00%
60	First Bank of the Lake	5	$1.7M	0.3%	0.00%
61	First Internet Bank of Indiana	1	$1.5M	0.3%	0.00%
62	CIBC Bank USA	2	$1.3M	0.3%	0.00%
63	Seacoast National Bank	3	$1.3M	0.3%	0.00%
64	Gulf Coast Bank and Trust Company	2	$1.3M	0.2%	3.14%
65	Fulton Bank, National Association	1	$1.3M	0.2%	0.00%
66	Five Star Bank	4	$1.1M	0.2%	0.00%
67	CenTrust Bank, A Division of SmartBiz Bank National Association	5	$1.1M	0.2%	0.00%
68	Florida Capital Bank, National Association	4	$1.1M	0.2%	0.00%
69	U.S. Bank, National Association	3	$1.0M	0.2%	0.00%
70	Hancock Whitney Bank	3	$965K	0.2%	0.00%
71	Merchants & Marine Bank	1	$950K	0.2%	0.00%
72	Citizens Bank	3	$946K	0.2%	0.00%
73	Busey Bank	1	$920K	0.2%	0.00%
74	Customers Bank	2	$914K	0.2%	0.00%
75	iTHINK Financial Credit Union	1	$880K	0.2%	0.00%
76	Hanmi Bank	2	$850K	0.2%	0.00%
77	Evolve Bank and Trust	1	$800K	0.2%	0.00%
78	Centennial Bank	1	$780K	0.2%	0.00%
79	Titan Bank, National Association	1	$760K	0.1%	0.00%
80	Axiom Bank, National Association	1	$722K	0.1%	0.00%
81	KeyBank National Association	1	$673K	0.1%	0.00%
82	Central Bank	2	$637K	0.1%	0.00%
83	Lendistry SBLC, LLC	2	$593K	0.1%	0.00%
84	Magnifi Financial CU	2	$544K	0.1%	0.00%
85	Merchants Bank of Indiana	1	$513K	0.1%	0.00%
86	Sunshine State Economic Development Corporation	3	$508K	0.1%	0.00%
87	Columbia Bank	1	$495K	0.1%	0.00%
88	Milestone Bank	1	$426K	0.1%	0.00%
89	MVB Bank, Inc.	1	$415K	0.1%	0.00%
90	First Business Bank	1	$370K	0.1%	0.00%
91	Greater Nevada CU	1	$350K	0.1%	0.00%
92	HomeTrust Bank	1	$350K	0.1%	0.00%
93	Florida First Capital Finance Corporation, Inc.	1	$350K	0.1%	0.00%
94	Falcon National Bank	1	$329K	0.1%	0.00%
95	Capital Bank, National Association	1	$300K	0.1%	0.00%
96	Genesee Regional Bank	1	$300K	0.1%	0.00%
97	Eastern Bank	1	$260K	0.1%	0.00%
98	Locality Bank	1	$250K	0.0%	0.00%
99	22nd State Bank, A Division of 22nd State Banking Company	1	$250K	0.0%	0.00%
100	CDC Small Business Finance Corp.	1	$236K	0.0%	0.00%
101	West Central Development Corporation	2	$222K	0.0%	0.00%
102	LiftFund, Inc.	2	$200K	0.0%	13.09%
103	Beacon Bank and Trust	1	$200K	0.0%	0.00%
104	Florida Business Development Corporation	2	$197K	0.0%	0.00%
105	Encore Bank	1	$183K	0.0%	0.00%
106	Independence Bank	1	$150K	0.0%	0.00%
107	Colony Bank	1	$150K	0.0%	0.00%
108	Ascendus, Inc.	1	$150K	0.0%	93.33%
109	The First National Bank of Tom Bean	1	$134K	0.0%	0.00%
110	Simmons Bank	1	$125K	0.0%	0.00%
111	VelocitySBA, LLC	9	$110K	0.0%	28.35%
112	CenterBank of Jacksonville, N.A.	2	$100K	0.0%	0.00%
113	Navy FCU	1	$86K	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	146	$142.1M	27.6%
2	Health care & social assistance	100	$78.4M	15.2%
3	Professional & technical services	105	$55.5M	10.8%
4	Other services	71	$36.8M	7.2%
5	Retail trade	60	$31.9M	6.2%
6	Administrative & waste services	65	$29.6M	5.8%
7	Arts, entertainment & recreation	31	$23.5M	4.6%
8	Construction	74	$21.2M	4.1%
9	Educational services	31	$16.5M	3.2%
10	Real estate & leasing	25	$14.6M	2.8%
11	Manufacturing	19	$11.9M	2.3%
12	Retail trade	37	$10.6M	2.1%
13	Finance & insurance	21	$10.6M	2.1%
14	Wholesale trade	17	$7.5M	1.5%
15	Manufacturing	9	$6.4M	1.2%
16	Transportation & warehousing	17	$5.6M	1.1%
17	Transportation & warehousing	7	$5.5M	1.1%
18	Manufacturing	6	$4.3M	0.8%
19	Information	4	$1.4M	0.3%
20	Management of companies	1	$243K	0.0%
21	Mining & extraction	1	$100K	0.0%
22	Agriculture, forestry & fishing	1	$15K	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.