SBA 7(a) lenders in Santa Rosa, FL

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

Lenders

67 institutions have SBA 7(a) loans on record in Santa Rosa, together $152.0M across 262 loans. Live Oak Banking Company is the largest, with 11% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	11	$17.5M	11.5%	0.00%
2	Centennial Bank	4	$14.1M	9.3%	0.00%
3	Hancock Whitney Bank	30	$9.4M	6.2%	0.00%
4	Pinnacle Bank	9	$8.9M	5.9%	6.14%
5	Gulf Coast Bank and Trust Company	3	$7.0M	4.6%	0.00%
6	Truist Bank	7	$7.0M	4.6%	0.00%
7	First Internet Bank of Indiana	5	$6.8M	4.4%	0.00%
8	Renasant Bank	7	$6.6M	4.4%	0.00%
9	Community Bank of Mississippi	3	$6.2M	4.1%	0.00%
10	Ameris Bank	3	$4.7M	3.1%	0.00%
11	Newtek Bank, National Association	9	$4.6M	3.1%	0.00%
12	Customers Bank	1	$4.0M	2.6%	0.00%
13	Regions Bank	5	$3.7M	2.4%	0.00%
14	Fifth Third Bank	2	$3.6M	2.4%	0.00%
15	PNC Bank, National Association	19	$3.5M	2.3%	0.40%
16	The Fidelity Bank	2	$3.4M	2.2%	0.00%
17	BankUnited, National Association	3	$3.1M	2.0%	15.41%
18	The Huntington National Bank	9	$2.7M	1.8%	0.00%
19	Wells Fargo Bank National Association	13	$2.3M	1.5%	0.00%
20	First Command Bank	1	$2.0M	1.3%	0.00%
21	SouthState Bank, National Association	5	$1.9M	1.2%	0.00%
22	United Community Bank	2	$1.7M	1.1%	0.00%
23	United Midwest Savings Bank National Association	10	$1.6M	1.1%	6.22%
24	ServisFirst Bank	1	$1.5M	1.0%	24.98%
25	Thread Bank	2	$1.5M	1.0%	0.00%
26	Northeast Bank	7	$1.4M	0.9%	0.00%
27	Fund-Ex Solutions Group, LLC	1	$1.3M	0.8%	0.00%
28	Readycap Lending, LLC	7	$1.2M	0.8%	0.00%
29	United Bank	11	$1.2M	0.8%	22.90%
30	First Port City Bank	2	$1.2M	0.8%	0.00%
31	Georgia Banking Company	1	$1.2M	0.8%	0.00%
32	Lake Michigan CU	1	$1.1M	0.7%	0.00%
33	Byline Bank	2	$919K	0.6%	0.00%
34	BayFirst National Bank	4	$900K	0.6%	0.00%
35	First Bank of the Lake	2	$885K	0.6%	0.00%
36	Newtek Small Business Finance, Inc.	2	$822K	0.5%	0.00%
37	Celtic Bank Corporation	7	$753K	0.5%	4.04%
38	Simmons Bank	3	$745K	0.5%	0.00%
39	First Merchants Bank	1	$708K	0.5%	0.00%
40	ConnectOne Bank	1	$660K	0.4%	0.00%
41	Stearns Bank National Association	3	$635K	0.4%	0.00%
42	American Bank	2	$600K	0.4%	0.00%
43	Northwest Bank	2	$555K	0.4%	0.00%
44	First Bank	1	$525K	0.3%	0.00%
45	Citizens Bank	1	$517K	0.3%	0.00%
46	Legacy Bank & Trust Company	1	$475K	0.3%	0.00%
47	Seacoast National Bank	2	$450K	0.3%	0.00%
48	Banc of California	1	$354K	0.2%	0.00%
49	Bank of America, National Association	4	$350K	0.2%	0.95%
50	JPMorgan Chase Bank, National Association	1	$350K	0.2%	0.00%
51	CRF Small Business Loan Company, LLC	1	$296K	0.2%	0.00%
52	Popular Bank	2	$291K	0.2%	66.46%
53	First-Citizens Bank & Trust Company	1	$270K	0.2%	0.00%
54	Bank Five Nine	1	$251K	0.2%	0.00%
55	Mechanics and Farmers Bank	1	$233K	0.2%	0.00%
56	Ascendus, Inc.	1	$232K	0.2%	0.00%
57	First Federal Bank	1	$212K	0.1%	0.00%
58	Five Star Bank	1	$200K	0.1%	0.00%
59	Magnifi Financial CU	1	$150K	0.1%	0.00%
60	Independence Bank	1	$150K	0.1%	0.00%
61	Lendistry SBLC, LLC	1	$150K	0.1%	0.00%
62	Stone Bank	1	$150K	0.1%	0.00%
63	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.1%	0.00%
64	CDC Small Business Finance Corp.	1	$135K	0.1%	0.00%
65	Navy FCU	1	$112K	0.1%	0.00%
66	Columbia Bank	3	$85K	0.1%	0.00%
67	VelocitySBA, LLC	7	$80K	0.1%	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	Construction	50	$34.3M	22.6%
2	Accommodation & food services	37	$34.3M	22.6%
3	Health care & social assistance	31	$16.1M	10.6%
4	Administrative & waste services	22	$11.6M	7.6%
5	Retail trade	23	$11.1M	7.3%
6	Professional & technical services	25	$9.2M	6.1%
7	Real estate & leasing	12	$8.7M	5.7%
8	Arts, entertainment & recreation	8	$7.6M	5.0%
9	Other services	19	$6.6M	4.3%
10	Information	2	$6.1M	4.0%
11	Finance & insurance	5	$1.5M	1.0%
12	Retail trade	9	$1.2M	0.8%
13	Manufacturing	2	$855K	0.6%
14	Wholesale trade	1	$824K	0.5%
15	Transportation & warehousing	6	$644K	0.4%
16	Educational services	4	$610K	0.4%
17	Agriculture, forestry & fishing	2	$400K	0.3%
18	Manufacturing	2	$181K	0.1%
19	Mining & extraction	1	$50K	0.0%
20	Transportation & warehousing	1	$8K	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.