SBA 7(a) lenders in NC

Approvals from SBA fiscal year 2008 onward. Source data as of 2026-06-30.

326 institutions have SBA 7(a) loans on record in NC, together $11.99B across 21,683 loans.

Shaded by rank among this state's counties, on total approvals.lessmore

Hover a county for its totals, click to open it.

Largest lenders

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	1,090	$1.40B	11.7%	0.10%
2	First National Bank of Pennsylvania	942	$655.6M	5.5%	3.26%
3	Truist Bank	1,934	$644.7M	5.4%	1.82%
4	Wells Fargo Bank National Association	2,368	$600.3M	5.0%	3.75%
5	Pinnacle Bank	541	$508.1M	4.2%	0.65%
6	GBank	177	$496.6M	4.1%	0.49%
7	United Community Bank	426	$333.9M	2.8%	1.18%
8	TowneBank	326	$308.7M	2.6%	0.02%
9	The Huntington National Bank	632	$281.8M	2.4%	0.57%
10	First Bank	424	$262.9M	2.2%	0.53%
11	First Financial Bank	265	$250.1M	2.1%	0.00%
12	Readycap Lending, LLC	452	$204.8M	1.7%	3.11%
13	HomeTrust Bank	182	$198.3M	1.7%	1.43%
14	First Community Bank	641	$198.1M	1.7%	1.02%
15	Celtic Bank Corporation	512	$195.7M	1.6%	2.55%
16	First-Citizens Bank & Trust Company	297	$187.5M	1.6%	2.02%
17	Citizens Bank	168	$175.0M	1.5%	0.36%
18	Newtek Small Business Finance, Inc.	264	$174.8M	1.5%	0.96%
19	PNC Bank, National Association	495	$163.9M	1.4%	3.45%
20	TD Bank, National Association	427	$157.5M	1.3%	2.47%
21	Newtek Bank, National Association	349	$150.0M	1.3%	0.00%
22	North State Bank	175	$142.3M	1.2%	0.52%
23	Bank of Oak Ridge	167	$141.9M	1.2%	0.19%
24	SouthState Bank, National Association	224	$138.8M	1.2%	1.27%
25	Fifth Third Bank	278	$130.3M	1.1%	3.24%
26	The Fidelity Bank	163	$127.0M	1.1%	0.31%
27	Truliant FCU	170	$126.1M	1.1%	0.31%
28	BankUnited, National Association	86	$115.7M	1.0%	0.75%
29	Bank of America, National Association	328	$112.1M	0.9%	1.32%
30	First Horizon Bank	303	$110.6M	0.9%	1.34%
31	Capital Bank, National Association	103	$109.7M	0.9%	0.08%
32	Ameris Bank	105	$101.9M	0.9%	3.49%
33	Byline Bank	71	$94.3M	0.8%	0.00%
34	United Midwest Savings Bank National Association	315	$93.5M	0.8%	2.93%
35	Northeast Bank	532	$89.2M	0.7%	0.79%
36	Regions Bank	81	$86.0M	0.7%	1.63%
37	The Bancorp Bank National Association	112	$82.9M	0.7%	0.31%
38	Stearns Bank National Association	214	$81.7M	0.7%	2.35%
39	First Bank of the Lake	105	$77.6M	0.6%	0.38%
40	Peoples Bank	25	$77.0M	0.6%	0.00%
41	PromiseOne Bank	56	$70.7M	0.6%	1.86%
42	Customers Bank	41	$66.5M	0.6%	0.00%
43	Banc of California	64	$65.3M	0.5%	1.10%
44	BayFirst National Bank	323	$62.1M	0.5%	5.24%
45	First Internet Bank of Indiana	44	$60.7M	0.5%	0.00%
46	Harvest Small Business Finance, LLC	60	$55.5M	0.5%	4.43%
47	Southern Bank and Trust Company	327	$53.4M	0.4%	0.40%
48	Gulf Coast Bank and Trust Company	58	$51.4M	0.4%	0.16%
49	Beacon Bank and Trust	36	$49.8M	0.4%	0.00%
50	IncredibleBank	35	$47.1M	0.4%	0.00%
51	Pathward National Association	33	$39.3M	0.3%	0.00%
52	Bank Five Nine	53	$38.4M	0.3%	0.81%
53	The First Bank and Trust Company	23	$36.9M	0.3%	0.00%
54	U.S. Bank, National Association	115	$36.3M	0.3%	0.12%
55	Columbia Bank	173	$35.0M	0.3%	3.49%
56	Enterprise Bank & Trust	20	$34.9M	0.3%	0.00%
57	Carolina Small Business Development Fund	243	$34.8M	0.3%	3.85%
58	Coastal States Bank	38	$34.2M	0.3%	0.36%
59	Centerstone SBA Lending, Inc.	18	$33.9M	0.3%	0.00%
60	Happen Bank	34	$30.5M	0.3%	0.64%
61	First Western SBLC, LLC	17	$29.5M	0.2%	2.28%
62	First Federal Bank	20	$29.3M	0.2%	0.00%
63	Bank of Hope	114	$29.1M	0.2%	3.16%
64	Georgia Banking Company	41	$28.2M	0.2%	1.44%
65	Shoreham Bank	27	$27.4M	0.2%	4.95%
66	Paragon Bank	24	$24.4M	0.2%	2.43%
67	Simmons Bank	54	$23.2M	0.2%	2.15%
68	First Merchants Bank	32	$23.0M	0.2%	1.68%
69	Metro City Bank	25	$22.5M	0.2%	0.00%
70	Open Bank	12	$21.9M	0.2%	0.00%
71	Mechanics and Farmers Bank	46	$21.5M	0.2%	0.26%
72	Commonwealth Business Bank	12	$21.1M	0.2%	0.00%
73	Hanmi Bank	21	$21.0M	0.2%	0.00%
74	Leader Bank, National Association	10	$20.5M	0.2%	0.00%
75	Port 51 Lending LLC	22	$19.6M	0.2%	0.00%
76	Meridian Bank	21	$18.8M	0.2%	0.00%
77	CIBC Bank USA	21	$18.6M	0.2%	0.00%
78	Business Carolina, Inc.	20	$18.3M	0.2%	0.51%
79	1st Financial Bank USA	12	$17.8M	0.1%	0.00%
80	Embassy National Bank	12	$17.7M	0.1%	0.00%
81	Popular Bank	57	$17.5M	0.1%	37.18%
82	United Bank	61	$17.1M	0.1%	1.56%
83	First Business Bank	13	$17.1M	0.1%	0.54%
84	Bank OZK	57	$17.0M	0.1%	1.38%
85	Mountain Bizcapital, Inc.	130	$16.7M	0.1%	3.19%
86	CRF Small Business Loan Company, LLC	25	$16.6M	0.1%	1.59%
87	American Pride Bank	7	$16.6M	0.1%	0.00%
88	Blue Ridge Bank National Association	16	$16.4M	0.1%	1.51%
89	Atlantic Union Bank	19	$16.0M	0.1%	0.29%
90	United FCU	15	$15.7M	0.1%	0.00%
91	Climate First Bank	10	$15.2M	0.1%	0.00%
92	America First Federal Credit Union	12	$15.1M	0.1%	0.13%
93	22nd State Bank, A Division of 22nd State Banking Company	15	$15.0M	0.1%	0.00%
94	Mission Valley Bank	6	$14.9M	0.1%	0.00%
95	The Park National Bank	31	$14.6M	0.1%	0.00%
96	KS Bank, Inc.	18	$13.8M	0.1%	0.00%
97	Uwharrie Bank	53	$13.7M	0.1%	2.72%
98	Genesis Bank	11	$13.4M	0.1%	8.44%
99	Stone Bank	16	$13.3M	0.1%	0.00%
100	T Bank, National Association	10	$13.3M	0.1%	6.16%
101	Evolve Bank and Trust	11	$13.2M	0.1%	3.39%
102	JPMorgan Chase Bank, National Association	65	$12.6M	0.1%	2.67%
103	VelocitySBA, LLC	771	$12.5M	0.1%	10.84%
104	Lendistry SBLC, LLC	66	$12.4M	0.1%	0.00%
105	Hanover Community Bank	7	$12.2M	0.1%	0.00%
106	KeyBank National Association	15	$11.9M	0.1%	0.00%
107	Fund-Ex Solutions Group, LLC	11	$11.6M	0.1%	0.00%
108	United Bank	57	$11.4M	0.1%	0.63%
109	Wilmington Savings Fund Society FSB	8	$11.3M	0.1%	0.76%
110	US Metro Bank	4	$11.3M	0.1%	0.00%
111	Five Star Bank	41	$11.0M	0.1%	6.13%
112	Cogent Bank	7	$10.1M	0.1%	0.00%
113	Colony Bank	29	$9.3M	0.1%	0.00%
114	Community Bank of Pickens County	3	$9.2M	0.1%	0.00%
115	FinWise Bank	12	$9.2M	0.1%	1.09%
116	First Security Bank of Nevada	5	$8.9M	0.1%	0.00%
117	Heritage Bank Inc	20	$8.8M	0.1%	0.00%
118	Renasant Bank	5	$8.7M	0.1%	0.00%
119	ConnectOne Bank	16	$8.5M	0.1%	0.00%
120	Grasshopper Bank National Association	15	$8.3M	0.1%	0.00%
121	FFB Bank	4	$8.0M	0.1%	0.00%
122	First Bank	14	$7.9M	0.1%	23.41%
123	Old National Bank	17	$7.9M	0.1%	0.00%
124	Self-Help Credit Union	136	$7.9M	0.1%	16.12%
125	First Port City Bank	5	$7.8M	0.1%	0.00%
126	BlueHarbor Bank	12	$7.7M	0.1%	19.47%
127	Countybank	10	$7.7M	0.1%	0.00%
128	Independence Bank	66	$7.4M	0.1%	24.91%
129	CenTrust Bank, A Division of SmartBiz Bank National Association	37	$7.2M	0.1%	0.00%
130	Northwest FCU	4	$7.2M	0.1%	0.00%
131	Poppy Bank	7	$7.2M	0.1%	0.00%
132	Thread Bank	20	$7.1M	0.1%	3.43%
133	Bank of Clarke	3	$7.0M	0.1%	0.00%
134	FDIC - Community Bank & Trust-West Georgia	5	$6.9M	0.1%	0.00%
135	Legence Bank	4	$6.9M	0.1%	0.00%
136	Fountainhead SBF LLC	3	$6.8M	0.1%	0.00%
137	Community West Bank	20	$6.6M	0.1%	23.72%
138	American Momentum Bank	7	$6.5M	0.1%	0.00%
139	Triad Business Bank	7	$6.5M	0.1%	0.00%
140	First Commonwealth Bank	12	$6.3M	0.1%	0.00%
141	Woori America Bank	3	$6.3M	0.1%	0.00%
142	Midwest Regional Bank	6	$6.0M	0.1%	0.00%
143	Banesco USA	11	$6.0M	0.0%	0.00%
144	First Bank of Central Ohio	4	$5.9M	0.0%	0.00%
145	FWBank	8	$5.8M	0.0%	0.00%
146	First State Bank Nebraska	3	$5.7M	0.0%	0.00%
147	First Community Bank	5	$5.6M	0.0%	0.00%
148	PCB Bank	5	$5.6M	0.0%	0.00%
149	Federal Deposit Insurance Corporation	9	$5.6M	0.0%	0.00%
150	New Millennium Bank	4	$5.6M	0.0%	0.00%
151	MVB Bank, Inc.	8	$5.6M	0.0%	14.81%
152	Magnifi Financial CU	16	$5.5M	0.0%	0.00%
153	Commercial Bank	7	$5.5M	0.0%	0.00%
154	Commercial Bank of California	2	$5.5M	0.0%	0.00%
155	Northwest Bank	10	$5.4M	0.0%	0.00%
156	WesBanco Bank, Inc.	2	$5.3M	0.0%	0.00%
157	Unity Bank	8	$5.2M	0.0%	24.50%
158	Seacoast National Bank	20	$5.1M	0.0%	6.15%
159	Paradise Bank	1	$5.0M	0.0%	0.00%
160	First Guaranty Bank	1	$5.0M	0.0%	0.00%
161	Loyal Trust Bank	2	$4.5M	0.0%	0.00%
162	Business Lenders, LLC	5	$4.4M	0.0%	0.00%
163	CoVantage CU	2	$4.4M	0.0%	0.00%
164	Allegacy Financial Federal Credit Union	11	$4.3M	0.0%	1.58%
165	The Central Trust Bank	1	$4.2M	0.0%	0.00%
166	Millennial Bank	1	$4.2M	0.0%	0.00%
167	Partner Community Capital	20	$4.1M	0.0%	2.16%
168	Merchants Bank of Indiana	4	$4.0M	0.0%	0.00%
169	The Freedom Bank of Virginia	1	$4.0M	0.0%	0.00%
170	Associated Bank National Association	6	$4.0M	0.0%	14.26%
171	Hometown Bank	2	$3.9M	0.0%	0.00%
172	Vallant Bank	5	$3.9M	0.0%	0.00%
173	United Business Bank	3	$3.9M	0.0%	0.00%
174	Quaint Oak Bank	6	$3.7M	0.0%	0.00%
175	Transact Bank, National Association	2	$3.7M	0.0%	0.00%
176	Mid Penn Bank	4	$3.5M	0.0%	0.00%
177	CIBM Bank	2	$3.5M	0.0%	0.00%
178	Oconee State Bank	5	$3.5M	0.0%	0.00%
179	University Bank	1	$3.5M	0.0%	0.00%
180	Coastal Federal Credit Union	58	$3.5M	0.0%	0.00%
181	Platinum Bank	5	$3.4M	0.0%	0.00%
182	Bankwell Bank	3	$3.4M	0.0%	0.00%
183	Affinity Bank, National Association	2	$3.2M	0.0%	0.00%
184	Corning FCU	22	$3.2M	0.0%	3.32%
185	Select Bank	9	$3.2M	0.0%	0.00%
186	Wachovia SBA Lending, Inc.	4	$3.1M	0.0%	0.00%
187	OneWest Bank, A Division of	3	$3.1M	0.0%	0.00%
188	World Trade Finance, Inc.	2	$3.0M	0.0%	0.00%
189	Bank of Ann Arbor	2	$3.0M	0.0%	0.00%
190	Encore Bank	4	$2.9M	0.0%	0.00%
191	Lumbee Guaranty Bank	3	$2.9M	0.0%	0.00%
192	Wallis Bank	2	$2.9M	0.0%	0.00%
193	Business Development Corporation of South Carolina	7	$2.8M	0.0%	0.00%
194	Citizens Bank, National Association	2	$2.7M	0.0%	0.00%
195	Cross River Bank	3	$2.6M	0.0%	0.00%
196	CDC Small Business Finance Corp.	16	$2.6M	0.0%	13.56%
197	LCNB National Bank	2	$2.6M	0.0%	0.00%
198	National Cooperative Bank, National Association	6	$2.5M	0.0%	13.96%
199	iTHINK Financial Credit Union	4	$2.5M	0.0%	0.00%
200	GBC International Bank	6	$2.5M	0.0%	0.00%

The 200 largest shown, of 326 lenders with a record here.

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.

By county

Rank	County	Lenders	Loans	Approved
1	Mecklenburg	177	3,515	$2.02B
2	Wake	181	3,367	$1.72B
3	Guilford	125	1,041	$594.4M
4	New Hanover	96	842	$458.6M
5	Buncombe	96	842	$401.2M
6	Durham	89	717	$400.0M
7	Forsyth	86	702	$381.0M
8	Union	89	631	$326.0M
9	Iredell	88	477	$300.7M
10	Cumberland	87	488	$294.8M
11	Cabarrus	76	514	$278.7M
12	Gaston	76	321	$187.9M
13	Catawba	69	280	$177.0M
14	Alamance	72	272	$171.0M
15	Pitt	61	342	$163.4M
16	Onslow	64	257	$160.3M
17	Brunswick	59	242	$146.6M
18	Orange	63	296	$146.3M
19	Johnston	72	306	$142.6M
20	Surry	29	484	$137.8M
21	Moore	57	201	$136.5M
22	Henderson	62	259	$126.0M
23	Rowan	55	196	$111.4M
24	Nash	44	145	$106.9M
25	Davidson	50	167	$105.6M
26	Robeson	37	101	$101.2M
27	Randolph	50	169	$96.9M
28	Chatham	51	157	$94.6M
29	Craven	42	147	$94.2M
30	Cleveland	50	143	$92.0M
31	Carteret	42	162	$83.5M
32	Lincoln	53	156	$82.6M
33	Dare	36	183	$76.8M
34	Burke	38	126	$76.2M
35	Harnett	53	139	$75.4M
36	Haywood	48	125	$70.5M
37	Pender	42	116	$70.5M
38	Lee	36	106	$68.0M
39	Wilkes	27	137	$67.6M
40	Wilson	43	99	$67.2M
41	Wayne	47	129	$66.9M
42	Sampson	21	68	$64.9M
43	Richmond	19	56	$60.1M
44	Caldwell	36	95	$59.8M
45	Stanly	32	110	$58.3M
46	Beaufort	32	104	$55.4M
47	Rutherford	34	101	$55.1M
48	Granville	36	67	$52.7M
49	Vance	31	57	$48.0M
50	Scotland	18	44	$47.6M
51	Rockingham	38	85	$47.6M
52	Duplin	19	53	$46.9M
53	Anson	9	38	$43.3M
54	Watauga	30	110	$42.2M
55	Halifax	20	43	$40.6M
56	Macon	29	59	$39.1M
57	Franklin	45	102	$38.0M
58	Yadkin	15	60	$37.3M
59	Alexander	17	54	$36.9M
60	Pasquotank	32	79	$36.5M
61	Columbus	20	46	$36.4M
62	Transylvania	26	62	$34.9M
63	Lenoir	17	45	$33.5M
64	Jackson	26	64	$31.9M
65	Currituck	25	63	$31.9M
66	Montgomery	16	33	$31.7M
67	Cherokee	22	33	$29.5M
68	Davie	26	56	$24.4M
69	Madison	18	37	$22.5M
70	Ashe	17	31	$22.4M
71	Stokes	17	57	$21.8M
72	Greene	10	25	$19.6M
73	Mcdowell	24	48	$17.6M
74	Person	17	41	$17.6M
75	Polk	20	41	$16.6M
76	Hoke	19	39	$14.7M
77	Swain	17	30	$14.5M
78	Martin	9	19	$14.3M
79	Bladen	12	26	$13.6M
80	Hyde	6	17	$13.6M
81	Edgecombe	16	35	$12.9M
82	Bertie	8	29	$11.7M
83	Jones	5	16	$11.6M
84	Graham	7	8	$10.8M
85	Yancey	15	25	$10.4M
86	Chowan	10	50	$10.2M
87	Hertford	7	35	$9.2M
88	Avery	15	24	$7.4M
89	Alleghany	7	18	$6.4M
90	Pamlico	12	18	$6.3M
91	Clay	10	14	$6.0M
92	Washington	5	16	$5.9M
93	Mitchell	9	13	$5.8M
94	Camden	11	12	$5.6M
95	Northampton	5	14	$5.3M
96	Warren	8	15	$4.5M
97	Caswell	12	18	$4.1M
98	Perquimans	3	7	$2.8M
99	Gates	7	14	$2.8M
100	Tyrrell	4	5	$522K

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.