SBA 7(a) lenders in Rabun, GA
Approvals in SBA fiscal years 2009–2026. Source data as of 2026-06-30.
Lenders
18 institutions have SBA 7(a) loans on record in Rabun, together $24.2M across 28 loans. HomeTrust Bank is the largest, with 21% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | HomeTrust Bank | 3 | $5.2M | 21.4% | 0.00% |
| 2 | First-Citizens Bank & Trust Company | 1 | $4.0M | 16.6% | 0.00% |
| 3 | Ameris Bank | 2 | $2.9M | 12.0% | 0.00% |
| 4 | Commonwealth Business Bank | 1 | $1.8M | 7.3% | 0.00% |
| 5 | United Community Bank | 3 | $1.4M | 5.9% | 0.00% |
| 6 | Celtic Bank Corporation | 2 | $1.4M | 5.8% | 0.00% |
| 7 | Newtek Bank, National Association | 2 | $1.4M | 5.8% | 0.00% |
| 8 | North State Bank | 1 | $1.2M | 4.9% | 0.00% |
| 9 | First Western SBLC, LLC | 1 | $1.0M | 4.3% | 0.00% |
| 10 | Live Oak Banking Company | 2 | $920K | 3.8% | 0.00% |
| 11 | Readycap Lending, LLC | 1 | $847K | 3.5% | 0.00% |
| 12 | Gulf Coast Bank and Trust Company | 1 | $695K | 2.9% | 0.00% |
| 13 | Coastal States Bank | 1 | $440K | 1.8% | 0.00% |
| 14 | Hanover Community Bank | 1 | $435K | 1.8% | 0.00% |
| 15 | Northeast Bank | 2 | $270K | 1.1% | 0.00% |
| 16 | Rabun County Bank | 2 | $264K | 1.1% | 0.00% |
| 17 | Columbia Bank | 1 | $15K | 0.1% | 0.00% |
| 18 | VelocitySBA, LLC | 1 | $8K | 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 | 9 | $10.3M | 42.6% |
| 2 | Manufacturing | 3 | $5.4M | 22.4% |
| 3 | Retail trade | 2 | $2.5M | 10.5% |
| 4 | Information | 1 | $1.3M | 5.2% |
| 5 | Manufacturing | 1 | $1.2M | 4.9% |
| 6 | Retail trade | 1 | $843K | 3.5% |
| 7 | Other services | 3 | $734K | 3.0% |
| 8 | Construction | 2 | $600K | 2.5% |
| 9 | Health care & social assistance | 2 | $575K | 2.4% |
| 10 | Administrative & waste services | 1 | $435K | 1.8% |
| 11 | Real estate & leasing | 1 | $150K | 0.6% |
| 12 | Agriculture, forestry & fishing | 1 | $120K | 0.5% |
| 13 | Arts, entertainment & recreation | 1 | $15K | 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.