SBA 7(a) lenders in Buncombe, NC

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

Lenders

96 institutions have SBA 7(a) loans on record in Buncombe, together $401.2M across 842 loans. Live Oak Banking Company is the largest, with 12% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	33	$46.8M	11.7%	0.33%
2	HomeTrust Bank	40	$30.6M	7.6%	0.00%
3	Wells Fargo Bank National Association	74	$20.1M	5.0%	6.09%
4	First-Citizens Bank & Trust Company	39	$19.9M	5.0%	2.95%
5	Truist Bank	56	$19.2M	4.8%	0.11%
6	United Community Bank	17	$16.5M	4.1%	0.00%
7	TD Bank, National Association	55	$16.4M	4.1%	2.89%
8	First Bank	53	$14.9M	3.7%	0.00%
9	The Huntington National Bank	17	$12.3M	3.1%	0.00%
10	PNC Bank, National Association	32	$11.2M	2.8%	3.11%
11	First National Bank of Pennsylvania	21	$9.8M	2.4%	6.49%
12	Mountain Bizcapital, Inc.	75	$9.6M	2.4%	2.65%
13	Customers Bank	4	$8.9M	2.2%	0.00%
14	Centerstone SBA Lending, Inc.	3	$8.8M	2.2%	0.00%
15	Banc of California	8	$8.6M	2.2%	0.00%
16	United Midwest Savings Bank National Association	9	$8.6M	2.1%	0.66%
17	GBank	3	$7.8M	1.9%	0.00%
18	Pinnacle Bank	14	$7.7M	1.9%	2.42%
19	Readycap Lending, LLC	13	$7.0M	1.7%	2.68%
20	Celtic Bank Corporation	23	$6.9M	1.7%	1.53%
21	Stearns Bank National Association	5	$5.0M	1.3%	0.00%
22	First Port City Bank	1	$5.0M	1.2%	0.00%
23	First Financial Bank	2	$4.9M	1.2%	0.00%
24	Peoples Bank	1	$4.8M	1.2%	0.00%
25	Regions Bank	1	$4.7M	1.2%	0.00%
26	Truliant FCU	2	$4.6M	1.1%	0.00%
27	Bank of America, National Association	14	$4.5M	1.1%	4.47%
28	First Bank of the Lake	9	$4.0M	1.0%	0.00%
29	Meridian Bank	2	$3.9M	1.0%	0.00%
30	First Horizon Bank	11	$3.5M	0.9%	0.00%
31	Carolina Small Business Development Fund	21	$3.2M	0.8%	1.19%
32	Bank of Oak Ridge	1	$3.1M	0.8%	0.00%
33	SouthState Bank, National Association	6	$3.1M	0.8%	0.00%
34	U.S. Bank, National Association	5	$3.0M	0.7%	0.00%
35	Fifth Third Bank	3	$3.0M	0.7%	0.00%
36	Northeast Bank	15	$2.3M	0.6%	0.00%
37	BayFirst National Bank	13	$2.2M	0.5%	26.44%
38	Gulf Coast Bank and Trust Company	2	$2.1M	0.5%	0.00%
39	Mid Penn Bank	1	$2.1M	0.5%	0.00%
40	United FCU	4	$2.0M	0.5%	0.00%
41	First Federal Bank	1	$1.9M	0.5%	0.00%
42	Shoreham Bank	1	$1.9M	0.5%	0.00%
43	Newtek Small Business Finance, Inc.	6	$1.9M	0.5%	0.00%
44	Cogent Bank	1	$1.8M	0.5%	0.00%
45	North State Bank	1	$1.8M	0.5%	0.00%
46	First Internet Bank of Indiana	2	$1.6M	0.4%	0.00%
47	CRF Small Business Loan Company, LLC	5	$1.5M	0.4%	0.00%
48	Uwharrie Bank	2	$1.5M	0.4%	0.00%
49	Touchmark National Bank	1	$1.3M	0.3%	0.00%
50	iTHINK Financial Credit Union	1	$1.2M	0.3%	0.00%
51	IncredibleBank	2	$1.2M	0.3%	0.00%
52	Beacon Bank and Trust	1	$1.2M	0.3%	0.00%
53	Harvest Small Business Finance, LLC	2	$1.1M	0.3%	0.00%
54	The Park National Bank	4	$1.1M	0.3%	0.00%
55	Seacoast National Bank	2	$1.1M	0.3%	0.00%
56	VelocitySBA, LLC	28	$1.0M	0.3%	3.82%
57	Business Lenders, LLC	1	$965K	0.2%	0.00%
58	Partner Community Capital	4	$922K	0.2%	0.00%
59	Newtek Bank, National Association	7	$765K	0.2%	0.00%
60	Old National Bank	2	$753K	0.2%	0.00%
61	Ameris Bank	1	$731K	0.2%	0.00%
62	FinWise Bank	1	$700K	0.2%	0.00%
63	TowneBank	1	$694K	0.2%	0.00%
64	ConnectOne Bank	1	$648K	0.2%	0.00%
65	Citizens Bank	2	$643K	0.2%	0.00%
66	Wachovia SBA Lending, Inc.	1	$566K	0.1%	0.00%
67	Genisys CU	1	$553K	0.1%	0.00%
68	Self-Help Credit Union	9	$492K	0.1%	17.78%
69	Lendistry SBLC, LLC	4	$481K	0.1%	0.00%
70	ACC Capital	1	$477K	0.1%	0.00%
71	Coastal States Bank	1	$382K	0.1%	0.00%
72	Capital Bank, National Association	2	$375K	0.1%	0.00%
73	Florida Capital Bank, National Association	2	$357K	0.1%	0.00%
74	SNB Bank National Association	1	$350K	0.1%	0.00%
75	Accion Opportunity Fund Community Development	1	$350K	0.1%	0.00%
76	The Bancorp Bank National Association	1	$349K	0.1%	0.00%
77	Colony Bank	2	$349K	0.1%	0.00%
78	Vision One CU	1	$325K	0.1%	0.00%
79	CDC Small Business Finance Corp.	1	$300K	0.1%	0.00%
80	Columbia Bank	8	$275K	0.1%	7.55%
81	Countybank	1	$265K	0.1%	0.00%
82	JPMorgan Chase Bank, National Association	2	$260K	0.1%	0.00%
83	Brightbridge, Inc.	1	$241K	0.1%	0.00%
84	Carolina Business Capital, Inc.	1	$225K	0.1%	0.00%
85	Mechanics and Farmers Bank	1	$194K	0.0%	0.00%
86	First Bank	1	$180K	0.0%	89.42%
87	Capital Bank, National Association	2	$165K	0.0%	0.00%
88	Federal Deposit Insurance Corporation	1	$164K	0.0%	0.00%
89	First Merchants Bank	1	$150K	0.0%	0.00%
90	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.0%	0.00%
91	Select Bank	1	$150K	0.0%	0.00%
92	First Business Bank	1	$144K	0.0%	63.98%
93	Magnifi Financial CU	1	$105K	0.0%	0.00%
94	Skyla Federal Credit Union	1	$50K	0.0%	0.00%
95	Capital One National Association	1	$25K	0.0%	0.00%
96	SoFi Bank, National Association	1	$14K	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	171	$123.9M	30.9%
2	Health care & social assistance	88	$51.3M	12.8%
3	Other services	67	$34.5M	8.6%
4	Retail trade	68	$28.1M	7.0%
5	Professional & technical services	70	$25.6M	6.4%
6	Manufacturing	41	$18.2M	4.5%
7	Retail trade	57	$16.5M	4.1%
8	Construction	65	$15.3M	3.8%
9	Arts, entertainment & recreation	30	$15.1M	3.8%
10	Manufacturing	22	$14.4M	3.6%
11	Manufacturing	28	$11.8M	2.9%
12	Information	21	$11.5M	2.9%
13	Administrative & waste services	38	$8.1M	2.0%
14	Wholesale trade	18	$6.9M	1.7%
15	Educational services	8	$6.7M	1.7%
16	Real estate & leasing	13	$4.8M	1.2%
17	Agriculture, forestry & fishing	5	$3.3M	0.8%
18	Transportation & warehousing	18	$3.1M	0.8%
19	Finance & insurance	10	$1.1M	0.3%
20	Utilities	2	$636K	0.2%
21	Transportation & warehousing	2	$264K	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.