SBA 7(a) lenders in Guilford, NC

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

Lenders

126 institutions have SBA 7(a) loans on record in Guilford, together $619.9M across 1,061 loans. Truist Bank is the largest, with 9% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Truist Bank	111	$57.8M	9.3%	0.83%
2	Live Oak Banking Company	43	$46.7M	7.5%	0.00%
3	Bank of Oak Ridge	70	$43.3M	7.0%	0.61%
4	First National Bank of Pennsylvania	53	$40.6M	6.5%	3.44%
5	GBank	9	$23.9M	3.9%	0.00%
6	Wells Fargo Bank National Association	118	$21.2M	3.4%	1.65%
7	Pinnacle Bank	31	$19.1M	3.1%	1.26%
8	PromiseOne Bank	13	$18.3M	2.9%	0.00%
9	Newtek Bank, National Association	27	$16.5M	2.7%	0.00%
10	First Bank	15	$16.4M	2.7%	0.00%
11	Readycap Lending, LLC	27	$14.8M	2.4%	6.63%
12	The Huntington National Bank	24	$13.6M	2.2%	0.00%
13	Citizens Bank	7	$12.2M	2.0%	0.00%
14	Truliant FCU	27	$11.9M	1.9%	0.21%
15	Banc of California	11	$11.5M	1.9%	0.00%
16	TowneBank	13	$10.3M	1.7%	0.00%
17	HomeTrust Bank	6	$9.2M	1.5%	0.00%
18	The Fidelity Bank	10	$8.6M	1.4%	0.00%
19	Ameris Bank	5	$7.9M	1.3%	4.08%
20	PNC Bank, National Association	16	$7.7M	1.2%	0.42%
21	Fifth Third Bank	8	$7.2M	1.2%	6.14%
22	First Horizon Bank	28	$6.9M	1.1%	0.00%
23	TD Bank, National Association	4	$6.9M	1.1%	0.00%
24	Lender 2057189	8	$5.9M	0.9%	0.00%
25	Triad Business Bank	4	$5.4M	0.9%	0.00%
26	Celtic Bank Corporation	18	$5.2M	0.8%	2.30%
27	North State Bank	3	$5.2M	0.8%	0.00%
28	Harvest Small Business Finance, LLC	5	$5.1M	0.8%	0.00%
29	KeyBank National Association	1	$5.0M	0.8%	0.00%
30	Commonwealth Business Bank	1	$5.0M	0.8%	0.00%
31	Hanover Community Bank	1	$5.0M	0.8%	0.00%
32	Wilmington Savings Fund Society FSB	2	$5.0M	0.8%	0.00%
33	First Community Bank	16	$4.9M	0.8%	0.00%
34	First Internet Bank of Indiana	4	$4.9M	0.8%	0.00%
35	First-Citizens Bank & Trust Company	9	$4.7M	0.8%	0.00%
36	Happen Bank	6	$4.6M	0.7%	0.00%
37	Northeast Bank	36	$4.6M	0.7%	0.00%
38	First Federal Bank	5	$4.2M	0.7%	0.00%
39	United Midwest Savings Bank National Association	11	$4.1M	0.7%	0.00%
40	Fountainhead SBF LLC	1	$4.1M	0.7%	0.00%
41	Coastal States Bank	2	$3.8M	0.6%	0.00%
42	IncredibleBank	2	$3.6M	0.6%	0.00%
43	Stearns Bank National Association	14	$3.6M	0.6%	5.98%
44	BayFirst National Bank	14	$3.5M	0.6%	0.00%
45	Lender 2582371	2	$3.5M	0.6%	0.00%
46	Columbia Bank	10	$3.4M	0.5%	0.66%
47	Gulf Coast Bank and Trust Company	2	$3.4M	0.5%	0.00%
48	CRF Small Business Loan Company, LLC	2	$3.4M	0.5%	0.00%
49	Paragon Bank	2	$3.2M	0.5%	0.00%
50	22nd State Bank, A Division of 22nd State Banking Company	2	$3.2M	0.5%	0.00%
51	Blue Ridge Bank National Association	4	$3.1M	0.5%	0.00%
52	United Community Bank	7	$2.9M	0.5%	0.00%
53	Bank of Dudley	1	$2.9M	0.5%	0.00%
54	Embassy National Bank	2	$2.7M	0.4%	0.00%
55	BankUnited, National Association	2	$2.6M	0.4%	10.51%
56	The Bancorp Bank National Association	4	$2.6M	0.4%	0.00%
57	Bank of America, National Association	14	$2.6M	0.4%	0.00%
58	Byline Bank	3	$2.3M	0.4%	0.00%
59	America First Federal Credit Union	1	$2.2M	0.4%	0.00%
60	Peoples Bank	1	$2.2M	0.4%	0.00%
61	1st Financial Bank USA	2	$2.0M	0.3%	0.00%
62	Capital Bank, National Association	6	$2.0M	0.3%	0.00%
63	Northwest Bank	5	$1.9M	0.3%	0.00%
64	Mechanics and Farmers Bank	7	$1.9M	0.3%	0.00%
65	Centerstone SBA Lending, Inc.	1	$1.8M	0.3%	0.00%
66	Citizens Bank, National Association	1	$1.8M	0.3%	0.00%
67	Merchants Bank of Indiana	1	$1.6M	0.3%	0.00%
68	Community Bank of Pickens County	1	$1.6M	0.3%	0.00%
69	Popular Bank	6	$1.5M	0.2%	35.10%
70	Simmons Bank	6	$1.4M	0.2%	7.30%
71	FWBank	2	$1.4M	0.2%	0.00%
72	Climate First Bank	2	$1.3M	0.2%	0.00%
73	First Business Bank	1	$1.3M	0.2%	0.00%
74	First Financial Bank	1	$1.1M	0.2%	0.00%
75	First Bank of the Lake	4	$1.1M	0.2%	14.02%
76	T Bank, National Association	1	$1.0M	0.2%	0.00%
77	Commercial Bank of California	1	$905K	0.1%	0.00%
78	ConnectOne Bank	1	$850K	0.1%	0.00%
79	Beacon Bank and Trust	1	$810K	0.1%	0.00%
80	Magnifi Financial CU	2	$788K	0.1%	0.00%
81	Unity Bank	2	$735K	0.1%	0.00%
82	CapitalSpring SBLC, LLC	1	$690K	0.1%	0.00%
83	Pineland Bank	1	$680K	0.1%	0.00%
84	Beal Bank USA	3	$680K	0.1%	0.00%
85	Select Bank	3	$649K	0.1%	0.00%
86	The First Bank and Trust Company	2	$575K	0.1%	0.00%
87	MVB Bank, Inc.	1	$549K	0.1%	0.00%
88	U.S. Bank, National Association	5	$538K	0.1%	0.00%
89	PCB Bank	1	$510K	0.1%	0.00%
90	Carolina Small Business Development Fund	3	$486K	0.1%	0.00%
91	SouthState Bank, National Association	2	$481K	0.1%	0.00%
92	Bank of Hope	6	$458K	0.1%	3.76%
93	Port 51 Lending LLC	1	$450K	0.1%	0.00%
94	Encore Bank	1	$450K	0.1%	0.00%
95	Midland States Bank	1	$434K	0.1%	43.61%
96	Independence Bank	3	$425K	0.1%	31.20%
97	North Valley Bank	1	$403K	0.1%	0.00%
98	Lendistry SBLC, LLC	2	$403K	0.1%	0.00%
99	United Bank	2	$380K	0.1%	0.00%
100	Five Star Bank	1	$365K	0.1%	0.00%
101	VelocitySBA, LLC	35	$360K	0.1%	21.70%
102	Florida Capital Bank, National Association	2	$350K	0.1%	0.00%
103	Hanmi Bank	1	$340K	0.1%	0.00%
104	First Commonwealth Bank	2	$332K	0.1%	0.00%
105	Woori America Bank	1	$310K	0.1%	0.00%
106	Buckeye State Bank	1	$300K	0.0%	0.00%
107	Customers Bank	1	$282K	0.0%	0.00%
108	First Interstate Bank	1	$276K	0.0%	0.00%
109	Community West Bank	1	$244K	0.0%	0.00%
110	Thread Bank	1	$229K	0.0%	0.00%
111	Old National Bank	1	$209K	0.0%	0.00%
112	Allegacy Financial Federal Credit Union	2	$200K	0.0%	0.00%
113	Capital One National Association	4	$175K	0.0%	27.98%
114	Self-Help Credit Union	4	$174K	0.0%	32.63%
115	First Bank	1	$170K	0.0%	0.00%
116	Carolina Business Capital, Inc.	1	$150K	0.0%	0.00%
117	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.0%	0.00%
118	Atlantic Union Bank	1	$150K	0.0%	0.00%
119	Bank of Jackson Hole Trust	1	$150K	0.0%	0.00%
120	Colony Bank	1	$145K	0.0%	0.00%
121	Bank OZK	1	$135K	0.0%	80.70%
122	Associated Bank National Association	1	$120K	0.0%	0.00%
123	Centennial Bank	1	$115K	0.0%	0.00%
124	National Credit Union Administration	1	$87K	0.0%	0.00%
125	Southern Bank and Trust Company	1	$85K	0.0%	0.00%
126	SoFi Bank, National Association	1	$20K	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	170	$168.6M	27.2%
2	Health care & social assistance	86	$54.8M	8.8%
3	Wholesale trade	56	$52.4M	8.5%
4	Retail trade	87	$45.5M	7.3%
5	Professional & technical services	95	$43.2M	7.0%
6	Other services	106	$40.9M	6.6%
7	Construction	87	$36.0M	5.8%
8	Arts, entertainment & recreation	34	$28.5M	4.6%
9	Manufacturing	47	$26.7M	4.3%
10	Manufacturing	35	$26.3M	4.2%
11	Administrative & waste services	54	$17.7M	2.9%
12	Manufacturing	25	$14.6M	2.4%
13	Retail trade	52	$12.7M	2.0%
14	Transportation & warehousing	39	$12.4M	2.0%
15	Finance & insurance	17	$11.2M	1.8%
16	Real estate & leasing	24	$9.6M	1.6%
17	Educational services	23	$7.6M	1.2%
18	Information	10	$4.2M	0.7%
19	Transportation & warehousing	6	$4.0M	0.6%
20	Agriculture, forestry & fishing	8	$3.0M	0.5%

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.