SBA 7(a) lenders in Guilford, NC

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

Lenders

125 institutions have SBA 7(a) loans on record in Guilford, together $594.4M across 1,041 loans. Truist Bank is the largest, with 10% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Truist Bank	111	$57.8M	9.7%	0.83%
2	Live Oak Banking Company	42	$41.7M	7.0%	0.00%
3	First National Bank of Pennsylvania	53	$40.6M	6.8%	3.44%
4	Bank of Oak Ridge	67	$38.3M	6.4%	0.69%
5	GBank	9	$23.9M	4.0%	0.00%
6	Wells Fargo Bank National Association	118	$21.2M	3.6%	1.52%
7	Pinnacle Bank	31	$19.1M	3.2%	1.26%
8	PromiseOne Bank	13	$18.3M	3.1%	0.00%
9	First Bank	15	$16.4M	2.8%	0.00%
10	Newtek Bank, National Association	25	$16.1M	2.7%	0.00%
11	Readycap Lending, LLC	27	$14.8M	2.5%	6.63%
12	The Huntington National Bank	23	$13.1M	2.2%	0.00%
13	Citizens Bank	7	$12.2M	2.1%	0.00%
14	Truliant FCU	27	$11.9M	2.0%	0.21%
15	Banc of California	11	$11.5M	1.9%	0.00%
16	HomeTrust Bank	6	$9.2M	1.5%	0.00%
17	Ameris Bank	5	$7.9M	1.3%	4.08%
18	PNC Bank, National Association	16	$7.7M	1.3%	0.42%
19	TowneBank	11	$7.7M	1.3%	0.00%
20	Fifth Third Bank	8	$7.2M	1.2%	6.14%
21	TD Bank, National Association	4	$6.9M	1.2%	0.00%
22	The Fidelity Bank	9	$6.2M	1.0%	0.00%
23	First Horizon Bank	26	$6.1M	1.0%	0.00%
24	Newtek Small Business Finance, Inc.	8	$5.9M	1.0%	0.00%
25	Triad Business Bank	4	$5.4M	0.9%	0.00%
26	North State Bank	3	$5.2M	0.9%	0.00%
27	Harvest Small Business Finance, LLC	5	$5.1M	0.9%	0.00%
28	Hanover Community Bank	1	$5.0M	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	Wilmington Savings Fund Society FSB	2	$5.0M	0.8%	0.00%
32	First Community Bank	16	$4.9M	0.8%	0.00%
33	First Internet Bank of Indiana	4	$4.9M	0.8%	0.00%
34	Happen Bank	6	$4.6M	0.8%	0.00%
35	Northeast Bank	35	$4.5M	0.8%	0.00%
36	First Federal Bank	5	$4.2M	0.7%	0.00%
37	Fountainhead SBF LLC	1	$4.1M	0.7%	0.00%
38	United Midwest Savings Bank National Association	10	$3.9M	0.7%	0.00%
39	Coastal States Bank	2	$3.8M	0.6%	0.00%
40	Celtic Bank Corporation	17	$3.7M	0.6%	3.27%
41	IncredibleBank	2	$3.6M	0.6%	0.00%
42	Stearns Bank National Association	14	$3.6M	0.6%	5.98%
43	BayFirst National Bank	14	$3.5M	0.6%	0.00%
44	First Western SBLC, LLC	2	$3.5M	0.6%	0.00%
45	Columbia Bank	10	$3.4M	0.6%	0.66%
46	CRF Small Business Loan Company, LLC	2	$3.4M	0.6%	0.00%
47	Paragon Bank	2	$3.2M	0.5%	0.00%
48	22nd State Bank, A Division of 22nd State Banking Company	2	$3.2M	0.5%	0.00%
49	Blue Ridge Bank National Association	4	$3.1M	0.5%	0.00%
50	First-Citizens Bank & Trust Company	8	$3.1M	0.5%	0.00%
51	United Community Bank	7	$2.9M	0.5%	0.00%
52	Embassy National Bank	2	$2.7M	0.5%	0.00%
53	BankUnited, National Association	2	$2.6M	0.4%	10.51%
54	The Bancorp Bank National Association	4	$2.6M	0.4%	0.00%
55	Bank of America, National Association	14	$2.6M	0.4%	0.00%
56	Affinity Bank, National Association	1	$2.4M	0.4%	0.00%
57	America First Federal Credit Union	1	$2.2M	0.4%	0.00%
58	Peoples Bank	1	$2.2M	0.4%	0.00%
59	1st Financial Bank USA	2	$2.0M	0.3%	0.00%
60	Capital Bank, National Association	6	$2.0M	0.3%	0.00%
61	Northwest Bank	5	$1.9M	0.3%	0.00%
62	Mechanics and Farmers Bank	7	$1.9M	0.3%	0.00%
63	Centerstone SBA Lending, Inc.	1	$1.8M	0.3%	0.00%
64	Citizens Bank, National Association	1	$1.8M	0.3%	0.00%
65	Merchants Bank of Indiana	1	$1.6M	0.3%	0.00%
66	Community Bank of Pickens County	1	$1.6M	0.3%	0.00%
67	Popular Bank	6	$1.5M	0.3%	35.10%
68	Simmons Bank	6	$1.4M	0.2%	7.30%
69	Climate First Bank	2	$1.3M	0.2%	0.00%
70	First Business Bank	1	$1.3M	0.2%	0.00%
71	Gulf Coast Bank and Trust Company	1	$1.3M	0.2%	0.00%
72	First Financial Bank	1	$1.1M	0.2%	0.00%
73	First Bank of the Lake	4	$1.1M	0.2%	14.02%
74	T Bank, National Association	1	$1.0M	0.2%	0.00%
75	Commercial Bank of California	1	$905K	0.2%	0.00%
76	ConnectOne Bank	1	$850K	0.1%	0.00%
77	Beacon Bank and Trust	1	$810K	0.1%	0.00%
78	Magnifi Financial CU	2	$788K	0.1%	0.00%
79	Byline Bank	2	$742K	0.1%	0.00%
80	Unity Bank	2	$735K	0.1%	0.00%
81	CapitalSpring SBLC, LLC	1	$690K	0.1%	0.00%
82	Beal Bank USA	3	$680K	0.1%	0.00%
83	Pineland Bank	1	$680K	0.1%	0.00%
84	Select Bank	3	$649K	0.1%	0.00%
85	The First Bank and Trust Company	2	$575K	0.1%	0.00%
86	MVB Bank, Inc.	1	$549K	0.1%	0.00%
87	U.S. Bank, National Association	5	$538K	0.1%	0.00%
88	PCB Bank	1	$510K	0.1%	0.00%
89	FWBank	1	$498K	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	Encore Bank	1	$450K	0.1%	0.00%
94	Port 51 Lending LLC	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	0.1%	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	Atlantic Union Bank	1	$150K	0.0%	0.00%
117	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.0%	0.00%
118	Carolina Business Capital, Inc.	1	$150K	0.0%	0.00%
119	Colony Bank	1	$145K	0.0%	0.00%
120	Bank OZK	1	$135K	0.0%	80.70%
121	Associated Bank National Association	1	$120K	0.0%	0.00%
122	Centennial Bank	1	$115K	0.0%	0.00%
123	National Credit Union Administration	1	$87K	0.0%	0.00%
124	Southern Bank and Trust Company	1	$85K	0.0%	0.00%
125	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	166	$156.3M	26.3%
2	Health care & social assistance	85	$54.5M	9.2%
3	Wholesale trade	56	$52.4M	8.8%
4	Retail trade	86	$45.3M	7.6%
5	Professional & technical services	95	$43.2M	7.3%
6	Other services	106	$40.9M	6.9%
7	Construction	86	$35.8M	6.0%
8	Manufacturing	47	$26.7M	4.5%
9	Arts, entertainment & recreation	32	$26.0M	4.4%
10	Manufacturing	32	$23.5M	4.0%
11	Administrative & waste services	53	$17.5M	2.9%
12	Manufacturing	22	$12.4M	2.1%
13	Transportation & warehousing	39	$12.4M	2.1%
14	Retail trade	51	$12.0M	2.0%
15	Finance & insurance	16	$9.6M	1.6%
16	Real estate & leasing	23	$9.1M	1.5%
17	Educational services	23	$7.6M	1.3%
18	Information	10	$4.2M	0.7%
19	Transportation & warehousing	6	$4.0M	0.7%
20	Agriculture, forestry & fishing	7	$930K	0.2%

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.