SBA 7(a) lenders in Cumberland, NC

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

Lenders

87 institutions have SBA 7(a) loans on record in Cumberland, together $294.8M across 488 loans. GBank is the largest, with 14% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	GBank	11	$40.9M	13.9%	5.94%
2	Live Oak Banking Company	19	$20.9M	7.1%	0.00%
3	First National Bank of Pennsylvania	15	$16.9M	5.7%	0.00%
4	TD Bank, National Association	12	$14.6M	5.0%	6.48%
5	Wells Fargo Bank National Association	41	$13.0M	4.4%	0.06%
6	Peoples Bank	4	$12.1M	4.1%	0.00%
7	First Bank	10	$10.0M	3.4%	0.00%
8	Truist Bank	36	$9.2M	3.1%	2.50%
9	Citizens Bank	6	$8.9M	3.0%	0.00%
10	Celtic Bank Corporation	16	$8.9M	3.0%	2.56%
11	United Community Bank	12	$7.7M	2.6%	0.00%
12	PromiseOne Bank	5	$6.6M	2.2%	0.00%
13	First Financial Bank	2	$6.4M	2.2%	0.00%
14	TowneBank	4	$6.1M	2.1%	0.00%
15	United Midwest Savings Bank National Association	7	$4.9M	1.7%	2.57%
16	Centerstone SBA Lending, Inc.	2	$4.9M	1.7%	0.00%
17	Happen Bank	1	$4.9M	1.7%	0.00%
18	First-Citizens Bank & Trust Company	7	$4.7M	1.6%	0.00%
19	Capital Bank, National Association	5	$4.1M	1.4%	0.00%
20	Customers Bank	2	$3.8M	1.3%	0.00%
21	Harvest Small Business Finance, LLC	1	$3.5M	1.2%	70.16%
22	SouthState Bank, National Association	3	$3.4M	1.2%	0.00%
23	American Pride Bank	1	$3.4M	1.2%	0.00%
24	Pinnacle Bank	4	$3.3M	1.1%	0.00%
25	HomeTrust Bank	3	$3.2M	1.1%	28.89%
26	PNC Bank, National Association	19	$3.2M	1.1%	2.47%
27	Columbia Bank	20	$3.1M	1.1%	8.03%
28	Banc of California	2	$2.8M	0.9%	0.00%
29	The Bancorp Bank National Association	3	$2.7M	0.9%	0.00%
30	U.S. Bank, National Association	2	$2.7M	0.9%	0.00%
31	Readycap Lending, LLC	12	$2.6M	0.9%	0.00%
32	Fountainhead SBF LLC	1	$2.6M	0.9%	0.00%
33	Northeast Bank	18	$2.5M	0.8%	3.98%
34	Associated Bank National Association	2	$2.3M	0.8%	0.00%
35	The Fidelity Bank	5	$2.2M	0.8%	4.13%
36	Bank of Oak Ridge	4	$2.2M	0.7%	0.00%
37	Bank of Hope	13	$2.2M	0.7%	0.00%
38	Colony Bank	1	$2.0M	0.7%	0.00%
39	United FCU	1	$2.0M	0.7%	0.00%
40	BankUnited, National Association	1	$1.8M	0.6%	0.00%
41	Gulf Coast Bank and Trust Company	3	$1.7M	0.6%	0.00%
42	The Huntington National Bank	9	$1.7M	0.6%	0.00%
43	First Horizon Bank	8	$1.7M	0.6%	0.00%
44	Byline Bank	2	$1.5M	0.5%	0.00%
45	Carolina Small Business Development Fund	15	$1.5M	0.5%	2.85%
46	VelocitySBA, LLC	39	$1.3M	0.4%	3.08%
47	First Bank of the Lake	3	$1.2M	0.4%	0.00%
48	Fifth Third Bank	2	$1.2M	0.4%	23.40%
49	BayFirst National Bank	6	$1.2M	0.4%	0.00%
50	Newtek Small Business Finance, Inc.	6	$1.1M	0.4%	0.00%
51	JPMorgan Chase Bank, National Association	3	$1.1M	0.4%	0.00%
52	United Bank	2	$1.0M	0.3%	0.00%
53	KeyBank National Association	1	$936K	0.3%	0.00%
54	Federal Deposit Insurance Corporation	2	$870K	0.3%	0.00%
55	The MINT National Bank	1	$795K	0.3%	0.00%
56	Newtek Bank, National Association	5	$786K	0.3%	0.00%
57	Pathward National Association	3	$775K	0.3%	0.00%
58	Community West Bank	2	$753K	0.3%	28.71%
59	Regions Bank	3	$718K	0.2%	0.00%
60	Ameris Bank	2	$706K	0.2%	0.00%
61	Metro City Bank	1	$680K	0.2%	0.00%
62	CRF Small Business Loan Company, LLC	2	$654K	0.2%	0.00%
63	Stearns Bank National Association	2	$595K	0.2%	0.00%
64	Thread Bank	1	$567K	0.2%	0.00%
65	Old National Bank	2	$536K	0.2%	0.00%
66	Hanover Community Bank	1	$520K	0.2%	0.00%
67	River City Bank	1	$487K	0.2%	0.00%
68	First Commonwealth Bank	1	$487K	0.2%	0.00%
69	First Merchants Bank	1	$466K	0.2%	0.00%
70	Oconee State Bank	1	$464K	0.2%	0.00%
71	Bank of America, National Association	5	$320K	0.1%	4.74%
72	ConnectOne Bank	1	$310K	0.1%	0.00%
73	United Bank	1	$298K	0.1%	0.00%
74	Coastal States Bank	1	$255K	0.1%	0.00%
75	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$250K	0.1%	0.00%
76	Self-Help Credit Union	4	$237K	0.1%	25.10%
77	Popular Bank	2	$220K	0.1%	0.00%
78	Business Carolina, Inc.	1	$215K	0.1%	0.00%
79	Citizens and Farmers Bank	1	$180K	0.1%	0.00%
80	Five Star Bank	1	$165K	0.1%	0.00%
81	Beacon Bank and Trust	1	$150K	0.1%	0.00%
82	Seacoast National Bank	1	$150K	0.1%	78.82%
83	Independence Bank	1	$150K	0.1%	0.00%
84	Lendistry SBLC, LLC	1	$150K	0.1%	0.00%
85	Bank Five Nine	1	$149K	0.1%	0.00%
86	Capital One National Association	1	$50K	0.0%	87.05%
87	First Command Bank	1	$50K	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	108	$127.4M	43.2%
2	Retail trade	55	$35.9M	12.2%
3	Health care & social assistance	66	$24.5M	8.3%
4	Arts, entertainment & recreation	28	$20.6M	7.0%
5	Real estate & leasing	20	$16.8M	5.7%
6	Other services	43	$15.0M	5.1%
7	Construction	29	$13.7M	4.6%
8	Professional & technical services	31	$13.5M	4.6%
9	Retail trade	26	$9.0M	3.0%
10	Finance & insurance	14	$4.1M	1.4%
11	Administrative & waste services	22	$4.0M	1.3%
12	Transportation & warehousing	8	$2.3M	0.8%
13	Wholesale trade	9	$2.0M	0.7%
14	Agriculture, forestry & fishing	1	$1.4M	0.5%
15	Manufacturing	7	$1.3M	0.4%
16	Educational services	9	$1.1M	0.4%
17	Manufacturing	4	$849K	0.3%
18	Information	6	$550K	0.2%
19	Manufacturing	1	$466K	0.2%
20	Transportation & warehousing	1	$407K	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.