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 $12.39B across 22,100 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	1,153	$1.48B	11.9%	0.13%
2	First National Bank of Pennsylvania	943	$656.3M	5.3%	3.26%
3	Truist Bank	1,936	$647.1M	5.2%	1.83%
4	Wells Fargo Bank National Association	2,372	$605.0M	4.9%	3.73%
5	Pinnacle Bank	554	$526.7M	4.3%	0.65%
6	GBank	184	$519.6M	4.2%	0.47%
7	United Community Bank	431	$336.3M	2.7%	1.20%
8	TowneBank	339	$325.7M	2.6%	0.04%
9	The Huntington National Bank	654	$292.4M	2.4%	0.55%
10	First Bank	435	$273.6M	2.2%	0.57%
11	First Financial Bank	265	$250.1M	2.0%	0.00%
12	Readycap Lending, LLC	464	$212.9M	1.7%	2.99%
13	Celtic Bank Corporation	518	$200.0M	1.6%	2.53%
14	First Community Bank	643	$198.9M	1.6%	1.01%
15	HomeTrust Bank	183	$198.6M	1.6%	1.43%
16	First-Citizens Bank & Trust Company	314	$198.0M	1.6%	1.91%
17	Citizens Bank	171	$176.9M	1.4%	0.35%
18	Lender 2057189	264	$174.8M	1.4%	0.96%
19	PNC Bank, National Association	497	$164.7M	1.3%	3.46%
20	Bank of Oak Ridge	183	$162.8M	1.3%	0.16%
21	Newtek Bank, National Association	387	$162.6M	1.3%	0.00%
22	TD Bank, National Association	437	$159.8M	1.3%	2.45%
23	Fifth Third Bank	287	$144.2M	1.2%	2.99%
24	North State Bank	177	$144.0M	1.2%	0.51%
25	The Fidelity Bank	178	$143.5M	1.2%	0.27%
26	SouthState Bank, National Association	225	$139.1M	1.1%	1.32%
27	Truliant FCU	173	$129.2M	1.0%	0.30%
28	BankUnited, National Association	86	$115.7M	0.9%	0.75%
29	Bank of America, National Association	332	$115.0M	0.9%	1.28%
30	First Horizon Bank	305	$111.4M	0.9%	1.33%
31	Capital Bank, National Association	104	$110.3M	0.9%	0.08%
32	Ameris Bank	106	$102.6M	0.8%	3.47%
33	Byline Bank	75	$99.4M	0.8%	0.00%
34	United Midwest Savings Bank National Association	323	$97.1M	0.8%	2.96%
35	Northeast Bank	559	$92.8M	0.7%	0.66%
36	Regions Bank	85	$90.8M	0.7%	1.54%
37	The Bancorp Bank National Association	113	$85.2M	0.7%	0.30%
38	Stearns Bank National Association	216	$83.6M	0.7%	2.42%
39	First Bank of the Lake	110	$82.0M	0.7%	0.36%
40	Peoples Bank	26	$80.6M	0.7%	0.00%
41	PromiseOne Bank	56	$70.7M	0.6%	1.86%
42	Harvest Small Business Finance, LLC	67	$68.8M	0.6%	3.57%
43	Customers Bank	41	$66.5M	0.5%	0.00%
44	Banc of California	64	$65.3M	0.5%	1.10%
45	BayFirst National Bank	323	$62.1M	0.5%	5.60%
46	First Internet Bank of Indiana	45	$61.3M	0.5%	0.00%
47	Gulf Coast Bank and Trust Company	60	$54.0M	0.4%	0.15%
48	Southern Bank and Trust Company	327	$53.4M	0.4%	0.40%
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	36	$46.5M	0.4%	0.00%
52	U.S. Bank, National Association	122	$43.7M	0.4%	0.10%
53	Centerstone SBA Lending, Inc.	20	$38.6M	0.3%	10.96%
54	Bank Five Nine	53	$38.4M	0.3%	0.81%
55	The First Bank and Trust Company	23	$36.9M	0.3%	0.00%
56	Carolina Small Business Development Fund	244	$35.0M	0.3%	3.80%
57	Columbia Bank	173	$35.0M	0.3%	3.43%
58	Enterprise Bank & Trust	20	$34.9M	0.3%	0.00%
59	Coastal States Bank	38	$34.2M	0.3%	0.36%
60	Port 51 Lending LLC	26	$31.0M	0.2%	0.00%
61	Bank of Hope	116	$30.6M	0.2%	3.01%
62	Happen Bank	34	$30.5M	0.2%	0.64%
63	Lender 2582371	17	$29.5M	0.2%	2.28%
64	First Federal Bank	20	$29.3M	0.2%	0.00%
65	Georgia Banking Company	41	$28.2M	0.2%	1.44%
66	Shoreham Bank	27	$27.4M	0.2%	4.95%
67	Paragon Bank	24	$24.4M	0.2%	2.43%
68	Commonwealth Business Bank	13	$24.1M	0.2%	0.00%
69	First Merchants Bank	33	$24.0M	0.2%	1.62%
70	Open Bank	14	$23.6M	0.2%	0.00%
71	Simmons Bank	54	$23.2M	0.2%	2.15%
72	Metro City Bank	25	$22.5M	0.2%	0.00%
73	American Pride Bank	9	$21.6M	0.2%	0.00%
74	Mechanics and Farmers Bank	46	$21.5M	0.2%	0.26%
75	Hanmi Bank	21	$21.0M	0.2%	0.00%
76	Climate First Bank	13	$20.5M	0.2%	0.00%
77	Leader Bank, National Association	10	$20.5M	0.2%	0.00%
78	United FCU	19	$19.7M	0.2%	0.00%
79	22nd State Bank, A Division of 22nd State Banking Company	16	$19.7M	0.2%	0.00%
80	Meridian Bank	21	$18.8M	0.2%	0.00%
81	CIBC Bank USA	21	$18.6M	0.1%	0.00%
82	Business Carolina, Inc.	20	$18.3M	0.1%	0.51%
83	1st Financial Bank USA	12	$17.8M	0.1%	0.00%
84	Embassy National Bank	12	$17.7M	0.1%	0.00%
85	Popular Bank	57	$17.5M	0.1%	37.18%
86	T Bank, National Association	12	$17.2M	0.1%	4.76%
87	United Bank	61	$17.1M	0.1%	1.56%
88	First Business Bank	13	$17.1M	0.1%	0.54%
89	Bank OZK	57	$17.0M	0.1%	1.38%
90	Mountain Bizcapital, Inc.	130	$16.7M	0.1%	3.40%
91	CRF Small Business Loan Company, LLC	25	$16.6M	0.1%	1.59%
92	Blue Ridge Bank National Association	16	$16.4M	0.1%	1.51%
93	Atlantic Union Bank	20	$16.2M	0.1%	0.28%
94	VelocitySBA, LLC	776	$16.1M	0.1%	8.37%
95	Mission Valley Bank	7	$15.4M	0.1%	0.00%
96	America First Federal Credit Union	12	$15.1M	0.1%	0.13%
97	The Park National Bank	31	$14.6M	0.1%	0.00%
98	KS Bank, Inc.	18	$13.8M	0.1%	0.00%
99	Uwharrie Bank	53	$13.7M	0.1%	5.31%
100	Stone Bank	17	$13.5M	0.1%	0.00%
101	Genesis Bank	11	$13.4M	0.1%	8.44%
102	Lendistry SBLC, LLC	72	$13.3M	0.1%	0.00%
103	Evolve Bank and Trust	11	$13.2M	0.1%	3.39%
104	JPMorgan Chase Bank, National Association	66	$12.7M	0.1%	3.05%
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%	7.16%
112	Banesco USA	13	$10.5M	0.1%	0.00%
113	American Momentum Bank	9	$10.3M	0.1%	0.00%
114	Cogent Bank	7	$10.1M	0.1%	0.00%
115	Colony Bank	29	$9.3M	0.1%	0.00%
116	Community Bank of Pickens County	3	$9.2M	0.1%	0.00%
117	FinWise Bank	12	$9.2M	0.1%	1.09%
118	First Security Bank of Nevada	5	$8.9M	0.1%	0.00%
119	Old National Bank	18	$8.8M	0.1%	0.00%
120	Heritage Bank Inc	20	$8.8M	0.1%	0.00%
121	Renasant Bank	5	$8.7M	0.1%	0.00%
122	ConnectOne Bank	16	$8.5M	0.1%	0.00%
123	Grasshopper Bank National Association	15	$8.3M	0.1%	0.00%
124	Northwest Bank	12	$8.1M	0.1%	0.00%
125	FFB Bank	4	$8.0M	0.1%	0.00%
126	First Bank	14	$7.9M	0.1%	23.41%
127	Self-Help Credit Union	136	$7.9M	0.1%	16.12%
128	First Port City Bank	5	$7.8M	0.1%	0.00%
129	CenTrust Bank, A Division of SmartBiz Bank National Association	39	$7.8M	0.1%	0.00%
130	BlueHarbor Bank	12	$7.7M	0.1%	19.47%
131	Countybank	10	$7.7M	0.1%	0.00%
132	Independence Bank	66	$7.4M	0.1%	24.91%
133	Northwest FCU	4	$7.2M	0.1%	0.00%
134	Poppy Bank	7	$7.2M	0.1%	0.00%
135	Thread Bank	20	$7.1M	0.1%	3.43%
136	Bank of Clarke	3	$7.0M	0.1%	0.00%
137	FDIC - Community Bank & Trust-West Georgia	5	$6.9M	0.1%	0.00%
138	Legence Bank	4	$6.9M	0.1%	0.00%
139	Fountainhead SBF LLC	3	$6.8M	0.1%	0.00%
140	FWBank	9	$6.7M	0.1%	0.00%
141	Community West Bank	20	$6.6M	0.1%	23.72%
142	Triad Business Bank	7	$6.5M	0.1%	0.00%
143	First Commonwealth Bank	12	$6.3M	0.1%	0.00%
144	Woori America Bank	3	$6.3M	0.1%	0.00%
145	Midwest Regional Bank	6	$6.0M	0.0%	0.00%
146	First Bank of Central Ohio	4	$5.9M	0.0%	0.00%
147	First State Bank Nebraska	3	$5.7M	0.0%	0.00%
148	First Community Bank	5	$5.6M	0.0%	0.00%
149	PCB Bank	5	$5.6M	0.0%	0.00%
150	Federal Deposit Insurance Corporation	9	$5.6M	0.0%	0.00%
151	New Millennium Bank	4	$5.6M	0.0%	0.00%
152	MVB Bank, Inc.	8	$5.6M	0.0%	14.81%
153	Magnifi Financial CU	16	$5.5M	0.0%	0.00%
154	Commercial Bank	7	$5.5M	0.0%	0.00%
155	Commercial Bank of California	2	$5.5M	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%	9.28%
159	Paradise Bank	1	$5.0M	0.0%	0.00%
160	First Guaranty Bank	1	$5.0M	0.0%	0.00%
161	Cross River Bank	4	$4.8M	0.0%	0.00%
162	Citizens Bank, National Association	3	$4.7M	0.0%	0.00%
163	Loyal Trust Bank	2	$4.5M	0.0%	0.00%
164	Business Lenders, LLC	5	$4.4M	0.0%	0.00%
165	CoVantage CU	2	$4.4M	0.0%	0.00%
166	Allegacy Financial Federal Credit Union	11	$4.3M	0.0%	1.58%
167	City National Bank of Florida	5	$4.3M	0.0%	0.00%
168	The Central Trust Bank	1	$4.2M	0.0%	0.00%
169	Millennial Bank	1	$4.2M	0.0%	0.00%
170	Partner Community Capital	20	$4.1M	0.0%	2.16%
171	Merchants Bank of Indiana	4	$4.0M	0.0%	0.00%
172	The Freedom Bank of Virginia	1	$4.0M	0.0%	0.00%
173	Associated Bank National Association	6	$4.0M	0.0%	15.82%
174	Hometown Bank	2	$3.9M	0.0%	0.00%
175	Vallant Bank	5	$3.9M	0.0%	0.00%
176	United Business Bank	3	$3.9M	0.0%	0.00%
177	Quaint Oak Bank	6	$3.7M	0.0%	0.00%
178	Transact Bank, National Association	2	$3.7M	0.0%	0.00%
179	Mid Penn Bank	4	$3.5M	0.0%	0.00%
180	CIBM Bank	2	$3.5M	0.0%	0.00%
181	Oconee State Bank	5	$3.5M	0.0%	0.00%
182	University Bank	1	$3.5M	0.0%	0.00%
183	Coastal Federal Credit Union	58	$3.5M	0.0%	0.00%
184	Platinum Bank	5	$3.4M	0.0%	0.00%
185	Bankwell Bank	3	$3.4M	0.0%	0.00%
186	Select Bank	10	$3.3M	0.0%	0.00%
187	Corning FCU	22	$3.2M	0.0%	3.32%
188	Wachovia SBA Lending, Inc.	4	$3.1M	0.0%	0.00%
189	OneWest Bank, A Division of	3	$3.1M	0.0%	0.00%
190	World Trade Finance, Inc.	2	$3.0M	0.0%	0.00%
191	Bank of Ann Arbor	2	$3.0M	0.0%	0.00%
192	Bank of Dudley	1	$2.9M	0.0%	0.00%
193	Encore Bank	4	$2.9M	0.0%	0.00%
194	Lumbee Guaranty Bank	3	$2.9M	0.0%	0.00%
195	Wallis Bank	2	$2.9M	0.0%	0.00%
196	Business Development Corporation of South Carolina	7	$2.8M	0.0%	0.00%
197	CDC Small Business Finance Corp.	18	$2.8M	0.0%	12.52%
198	LCNB National Bank	2	$2.6M	0.0%	0.00%
199	National Cooperative Bank, National Association	6	$2.5M	0.0%	13.96%
200	iTHINK Financial Credit Union	4	$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	176	3,585	$2.09B
2	Wake	182	3,441	$1.77B
3	Guilford	126	1,061	$619.9M
4	New Hanover	100	864	$478.7M
5	Durham	89	730	$421.9M
6	Buncombe	97	852	$415.9M
7	Forsyth	87	713	$382.9M
8	Union	91	648	$342.7M
9	Iredell	90	490	$312.5M
10	Cumberland	87	493	$296.2M
11	Cabarrus	77	525	$285.3M
12	Gaston	79	338	$198.9M
13	Catawba	69	286	$187.7M
14	Alamance	73	276	$181.3M
15	Pitt	62	349	$170.3M
16	Onslow	64	258	$162.3M
17	Johnston	74	314	$151.9M
18	Brunswick	60	249	$149.1M
19	Orange	63	299	$148.5M
20	Moore	57	207	$141.6M
21	Surry	31	488	$141.5M
22	Henderson	63	262	$129.9M
23	Rowan	56	201	$116.9M
24	Davidson	52	177	$116.4M
25	Nash	44	149	$109.5M
26	Robeson	38	106	$102.8M
27	Craven	42	150	$99.4M
28	Chatham	52	160	$98.9M
29	Randolph	50	170	$97.3M
30	Cleveland	51	144	$92.1M
31	Carteret	43	165	$88.3M
32	Lincoln	53	159	$84.1M
33	Dare	36	187	$77.8M
34	Burke	38	128	$77.8M
35	Harnett	53	139	$75.4M
36	Pender	43	120	$74.4M
37	Lee	37	108	$71.3M
38	Haywood	48	125	$70.5M
39	Wilkes	28	140	$70.0M
40	Wilson	44	102	$69.9M
41	Wayne	47	129	$66.9M
42	Sampson	22	69	$66.4M
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	102	$55.3M
48	Granville	36	67	$52.7M
49	Duplin	19	54	$49.8M
50	Vance	31	58	$48.5M
51	Rockingham	39	86	$47.6M
52	Scotland	18	44	$47.6M
53	Halifax	20	45	$45.9M
54	Macon	30	62	$43.6M
55	Anson	9	38	$43.3M
56	Watauga	30	110	$42.2M
57	Franklin	45	102	$38.0M
58	Columbus	22	49	$37.9M
59	Alexander	18	56	$37.5M
60	Pasquotank	33	81	$37.4M
61	Yadkin	15	60	$37.3M
62	Lenoir	18	47	$37.0M
63	Transylvania	26	62	$34.9M
64	Montgomery	16	35	$33.7M
65	Jackson	26	64	$31.9M
66	Currituck	25	63	$31.9M
67	Cherokee	22	33	$29.5M
68	Davie	26	56	$24.4M
69	Ashe	18	32	$22.9M
70	Madison	18	37	$22.5M
71	Stokes	17	57	$21.8M
72	Greene	10	26	$19.9M
73	Mcdowell	24	48	$17.6M
74	Person	17	41	$17.6M
75	Polk	20	41	$16.6M
76	Swain	18	31	$16.4M
77	Hoke	19	39	$14.7M
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	Chowan	11	51	$10.8M
86	Northampton	6	16	$10.5M
87	Yancey	15	25	$10.4M
88	Pamlico	13	19	$9.2M
89	Hertford	7	35	$9.2M
90	Avery	15	24	$7.4M
91	Alleghany	7	18	$6.4M
92	Clay	10	14	$6.0M
93	Washington	6	17	$5.9M
94	Mitchell	9	13	$5.8M
95	Camden	11	12	$5.6M
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.