SBA 7(a) lenders in Gaston, NC

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

Lenders

76 institutions have SBA 7(a) loans on record in Gaston, together $187.9M across 321 loans. Live Oak Banking Company is the largest, with 16% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	18	$30.9M	16.4%	0.00%
2	GBank	2	$10.0M	5.3%	0.00%
3	Truliant FCU	6	$9.5M	5.1%	0.00%
4	Pinnacle Bank	8	$9.0M	4.8%	0.00%
5	Truist Bank	24	$8.8M	4.7%	0.08%
6	The Huntington National Bank	13	$6.5M	3.5%	0.00%
7	HomeTrust Bank	4	$6.0M	3.2%	0.00%
8	TowneBank	6	$6.0M	3.2%	0.00%
9	Readycap Lending, LLC	12	$5.4M	2.9%	1.37%
10	First Horizon Bank	4	$5.4M	2.9%	0.00%
11	IncredibleBank	3	$5.3M	2.8%	0.00%
12	SouthState Bank, National Association	11	$5.1M	2.7%	0.00%
13	Harvest Small Business Finance, LLC	3	$4.9M	2.6%	0.00%
14	Wells Fargo Bank National Association	37	$4.3M	2.3%	2.65%
15	United Community Bank	8	$3.9M	2.1%	0.00%
16	Commercial Bank	5	$3.8M	2.0%	0.00%
17	Celtic Bank Corporation	8	$3.6M	1.9%	3.57%
18	University Bank	1	$3.5M	1.8%	0.00%
19	TD Bank, National Association	6	$3.4M	1.8%	0.00%
20	First Bank of the Lake	5	$2.9M	1.6%	0.00%
21	The Fidelity Bank	4	$2.7M	1.5%	0.00%
22	Georgia Banking Company	3	$2.6M	1.4%	0.00%
23	Bank of Hope	2	$2.5M	1.3%	0.00%
24	Ameris Bank	1	$2.5M	1.3%	0.00%
25	BayFirst National Bank	8	$2.4M	1.3%	0.00%
26	CIBC Bank USA	2	$2.3M	1.2%	0.00%
27	Bank of America, National Association	5	$2.2M	1.2%	0.00%
28	Midwest Regional Bank	1	$2.1M	1.1%	0.00%
29	Beacon Bank and Trust	3	$2.0M	1.0%	0.00%
30	Wallis Bank	1	$1.9M	1.0%	0.00%
31	The Bancorp Bank National Association	4	$1.8M	0.9%	0.00%
32	First Federal Bank	1	$1.6M	0.9%	0.00%
33	Newtek Small Business Finance, Inc.	5	$1.5M	0.8%	0.00%
34	First Bank	4	$1.1M	0.6%	0.00%
35	BankUnited, National Association	1	$1.1M	0.6%	0.00%
36	North State Bank	1	$1.1M	0.6%	0.00%
37	Stearns Bank National Association	3	$1.0M	0.5%	0.00%
38	Grasshopper Bank National Association	1	$1.0M	0.5%	0.00%
39	CRF Small Business Loan Company, LLC	1	$921K	0.5%	0.00%
40	Metro City Bank	2	$909K	0.5%	0.00%
41	Shoreham Bank	1	$900K	0.5%	0.00%
42	Bank OZK	7	$895K	0.5%	0.00%
43	Coastal States Bank	1	$880K	0.5%	0.00%
44	Heritage Bank Inc	1	$875K	0.5%	0.00%
45	Columbia Bank	3	$862K	0.5%	1.18%
46	PNC Bank, National Association	5	$830K	0.4%	0.00%
47	Newtek Bank, National Association	3	$810K	0.4%	0.00%
48	PromiseOne Bank	2	$760K	0.4%	101.00%
49	Northeast Bank	6	$699K	0.4%	0.00%
50	United Midwest Savings Bank National Association	4	$670K	0.4%	0.00%
51	Select Bank	1	$640K	0.3%	0.00%
52	First-Citizens Bank & Trust Company	2	$520K	0.3%	0.00%
53	Banc of California	1	$504K	0.3%	0.00%
54	Federal Deposit Insurance Corporation	1	$423K	0.2%	0.00%
55	Lendistry SBLC, LLC	2	$403K	0.2%	0.00%
56	Beacon Community Bank	1	$400K	0.2%	0.00%
57	MVB Bank, Inc.	2	$329K	0.2%	0.00%
58	Bank of Oak Ridge	1	$310K	0.2%	0.00%
59	Carolina Business Capital, Inc.	2	$300K	0.2%	0.00%
60	Independence Bank	3	$300K	0.2%	43.26%
61	22nd State Bank, A Division of 22nd State Banking Company	1	$300K	0.2%	0.00%
62	United Bank	2	$260K	0.1%	0.00%
63	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$249K	0.1%	0.00%
64	Carolina Small Business Development Fund	2	$227K	0.1%	0.00%
65	The Park National Bank	2	$225K	0.1%	0.00%
66	First National Bank of Pennsylvania	1	$220K	0.1%	0.00%
67	Encore Bank	1	$175K	0.1%	0.00%
68	VelocitySBA, LLC	15	$160K	0.1%	37.81%
69	U.S. Bank, National Association	1	$132K	0.1%	0.00%
70	CDC Small Business Finance Corp.	1	$110K	0.1%	0.00%
71	Fifth Third Bank	2	$80K	0.0%	0.00%
72	Colony Bank	1	$79K	0.0%	0.00%
73	Florida Capital Bank, National Association	1	$70K	0.0%	60.15%
74	Mountain Bizcapital, Inc.	1	$50K	0.0%	0.00%
75	Self-Help Credit Union	1	$40K	0.0%	0.00%
76	Capital One National Association	1	$25K	0.0%	93.40%

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	43	$45.0M	24.0%
2	Other services	33	$26.2M	14.0%
3	Health care & social assistance	44	$21.2M	11.3%
4	Real estate & leasing	9	$17.4M	9.3%
5	Manufacturing	19	$16.1M	8.5%
6	Professional & technical services	40	$15.0M	8.0%
7	Retail trade	19	$8.6M	4.6%
8	Wholesale trade	11	$6.2M	3.3%
9	Administrative & waste services	18	$6.0M	3.2%
10	Manufacturing	7	$5.7M	3.0%
11	Transportation & warehousing	11	$5.3M	2.8%
12	Construction	31	$4.9M	2.6%
13	Retail trade	16	$4.2M	2.2%
14	Arts, entertainment & recreation	8	$3.1M	1.7%
15	Manufacturing	5	$2.5M	1.3%
16	Finance & insurance	3	$325K	0.2%
17	Educational services	2	$200K	0.1%
18	Transportation & warehousing	1	$10K	0.0%
19	Agriculture, forestry & fishing	1	$5K	0.0%

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.