SBA 7(a) lenders in Mecklenburg, NC

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

Lenders

176 institutions have SBA 7(a) loans on record in Mecklenburg, together $2.09B across 3,585 loans. Live Oak Banking Company is the largest, with 10% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	176	$209.2M	10.0%	0.00%
2	Pinnacle Bank	171	$178.9M	8.6%	0.18%
3	Wells Fargo Bank National Association	523	$176.5M	8.4%	4.80%
4	First National Bank of Pennsylvania	177	$121.7M	5.8%	2.91%
5	United Community Bank	122	$109.0M	5.2%	2.58%
6	GBank	21	$75.7M	3.6%	0.00%
7	The Huntington National Bank	149	$66.8M	3.2%	0.85%
8	Truist Bank	224	$66.6M	3.2%	2.98%
9	Fifth Third Bank	101	$53.0M	2.5%	1.86%
10	SouthState Bank, National Association	65	$47.7M	2.3%	1.72%
11	TowneBank	49	$47.1M	2.3%	0.00%
12	Readycap Lending, LLC	86	$43.4M	2.1%	0.76%
13	Byline Bank	17	$34.0M	1.6%	0.00%
14	Newtek Bank, National Association	68	$33.6M	1.6%	0.00%
15	Lender 2057189	49	$32.9M	1.6%	1.49%
16	Bank of America, National Association	92	$32.7M	1.6%	0.72%
17	HomeTrust Bank	30	$30.7M	1.5%	4.48%
18	PNC Bank, National Association	76	$28.4M	1.4%	0.94%
19	First Bank	31	$27.1M	1.3%	0.93%
20	Celtic Bank Corporation	69	$25.9M	1.2%	2.87%
21	Citizens Bank	24	$24.8M	1.2%	0.00%
22	Customers Bank	13	$24.6M	1.2%	0.00%
23	Regions Bank	23	$23.3M	1.1%	0.00%
24	Truliant FCU	46	$21.6M	1.0%	0.53%
25	First Horizon Bank	35	$21.1M	1.0%	4.23%
26	Capital Bank, National Association	15	$19.1M	0.9%	0.00%
27	TD Bank, National Association	86	$18.0M	0.9%	2.18%
28	United Midwest Savings Bank National Association	63	$17.8M	0.9%	1.77%
29	First-Citizens Bank & Trust Company	31	$16.3M	0.8%	1.60%
30	The Fidelity Bank	12	$15.5M	0.7%	0.00%
31	First Community Bank	9	$14.2M	0.7%	0.00%
32	Stearns Bank National Association	47	$13.9M	0.7%	2.74%
33	Northeast Bank	71	$13.4M	0.6%	0.00%
34	Enterprise Bank & Trust	5	$12.8M	0.6%	0.00%
35	First Bank of the Lake	19	$12.4M	0.6%	1.15%
36	U.S. Bank, National Association	57	$12.3M	0.6%	0.36%
37	BayFirst National Bank	60	$11.8M	0.6%	4.24%
38	Bank of Hope	34	$11.7M	0.6%	4.05%
39	Harvest Small Business Finance, LLC	11	$11.7M	0.6%	0.00%
40	BankUnited, National Association	10	$11.3M	0.5%	0.00%
41	Bank of Oak Ridge	5	$10.7M	0.5%	0.00%
42	Hanmi Bank	6	$10.6M	0.5%	0.00%
43	Ameris Bank	17	$9.8M	0.5%	4.91%
44	The Bancorp Bank National Association	15	$9.4M	0.4%	0.00%
45	Climate First Bank	3	$8.8M	0.4%	0.00%
46	The Park National Bank	14	$8.6M	0.4%	0.00%
47	First Business Bank	4	$8.4M	0.4%	0.00%
48	First Internet Bank of Indiana	10	$8.0M	0.4%	0.00%
49	Open Bank	4	$7.9M	0.4%	0.00%
50	PromiseOne Bank	9	$6.9M	0.3%	7.93%
51	T Bank, National Association	4	$6.6M	0.3%	0.00%
52	North State Bank	13	$6.5M	0.3%	1.99%
53	Mechanics and Farmers Bank	10	$6.3M	0.3%	0.90%
54	Pathward National Association	6	$6.1M	0.3%	0.00%
55	Bank Five Nine	10	$5.8M	0.3%	0.00%
56	Coastal States Bank	7	$5.7M	0.3%	2.13%
57	First State Bank Nebraska	3	$5.7M	0.3%	0.00%
58	IncredibleBank	2	$5.6M	0.3%	0.00%
59	Gulf Coast Bank and Trust Company	6	$5.5M	0.3%	0.00%
60	Shoreham Bank	5	$5.5M	0.3%	0.00%
61	Georgia Banking Company	9	$5.3M	0.3%	2.69%
62	Banc of California	4	$5.3M	0.3%	0.00%
63	Carolina Small Business Development Fund	29	$5.1M	0.2%	2.98%
64	Peoples Bank	1	$5.0M	0.2%	0.00%
65	Blue Ridge Bank National Association	1	$5.0M	0.2%	0.00%
66	JPMorgan Chase Bank, National Association	25	$4.9M	0.2%	6.70%
67	Port 51 Lending LLC	2	$4.8M	0.2%	0.00%
68	Old National Bank	3	$4.3M	0.2%	0.00%
69	Fund-Ex Solutions Group, LLC	3	$4.3M	0.2%	0.00%
70	Colony Bank	7	$4.0M	0.2%	0.00%
71	Popular Bank	16	$3.9M	0.2%	12.17%
72	Paragon Bank	6	$3.8M	0.2%	0.00%
73	Simmons Bank	8	$3.7M	0.2%	0.00%
74	Beacon Bank and Trust	4	$3.6M	0.2%	0.00%
75	First Merchants Bank	7	$3.4M	0.2%	11.50%
76	Poppy Bank	3	$3.3M	0.2%	0.00%
77	Uwharrie Bank	7	$3.0M	0.1%	11.71%
78	Bank OZK	13	$3.0M	0.1%	0.00%
79	Lender 2582371	2	$3.0M	0.1%	0.00%
80	First Bank of Central Ohio	1	$3.0M	0.1%	0.00%
81	1st Financial Bank USA	2	$3.0M	0.1%	0.00%
82	Federal Deposit Insurance Corporation	2	$2.9M	0.1%	0.00%
83	First Financial Bank	2	$2.6M	0.1%	0.00%
84	Five Star Bank	7	$2.5M	0.1%	4.50%
85	Metro City Bank	4	$2.4M	0.1%	0.00%
86	Encore Bank	2	$2.3M	0.1%	0.00%
87	Thread Bank	5	$2.2M	0.1%	0.00%
88	Atlantic Union Bank	2	$2.2M	0.1%	0.00%
89	Business Carolina, Inc.	4	$2.2M	0.1%	0.00%
90	Merchants Bank of Indiana	2	$2.1M	0.1%	0.00%
91	Happen Bank	5	$2.1M	0.1%	9.34%
92	FWBank	2	$2.1M	0.1%	0.00%
93	Genesis Bank	2	$1.9M	0.1%	0.00%
94	Lendistry SBLC, LLC	14	$1.9M	0.1%	0.00%
95	Meridian Bank	4	$1.8M	0.1%	0.00%
96	First Community Bank	1	$1.8M	0.1%	0.00%
97	American Momentum Bank	3	$1.7M	0.1%	0.00%
98	Platinum Bank	2	$1.6M	0.1%	0.00%
99	MVB Bank, Inc.	1	$1.6M	0.1%	0.00%
100	Independence Bank	13	$1.6M	0.1%	27.50%
101	Magnifi Financial CU	4	$1.6M	0.1%	0.00%
102	FlatIrons Bank	1	$1.6M	0.1%	0.00%
103	Countybank	1	$1.5M	0.1%	0.00%
104	Northwest Bank	3	$1.5M	0.1%	0.00%
105	CIBC Bank USA	4	$1.5M	0.1%	0.00%
106	First Security Bank of Nevada	1	$1.5M	0.1%	0.00%
107	KeyBank National Association	3	$1.4M	0.1%	0.00%
108	VelocitySBA, LLC	84	$1.4M	0.1%	12.25%
109	Columbia Bank	10	$1.3M	0.1%	1.77%
110	Quaint Oak Bank	2	$1.2M	0.1%	0.00%
111	22nd State Bank, A Division of 22nd State Banking Company	2	$1.2M	0.1%	0.00%
112	BlueHarbor Bank	4	$1.1M	0.1%	9.20%
113	Midwest Regional Bank	2	$1.1M	0.1%	0.00%
114	Banesco USA	1	$1.1M	0.1%	0.00%
115	Commonwealth Business Bank	1	$1.0M	0.0%	0.00%
116	First Bank	3	$1.0M	0.0%	0.00%
117	Clear Mountain Bank, Inc.	1	$1.0M	0.0%	0.00%
118	Loyal Trust Bank	1	$990K	0.0%	0.00%
119	Self-Help Credit Union	14	$977K	0.0%	7.91%
120	Hanover Community Bank	1	$975K	0.0%	0.00%
121	First Commonwealth Bank	2	$932K	0.0%	0.00%
122	Business Lenders, LLC	1	$900K	0.0%	0.00%
123	Business Development Corporation of South Carolina	2	$898K	0.0%	0.00%
124	FinWise Bank	2	$850K	0.0%	0.00%
125	Stone Bank	3	$838K	0.0%	0.00%
126	First Bank	2	$770K	0.0%	23.67%
127	Allegacy Financial Federal Credit Union	1	$762K	0.0%	0.00%
128	Seacoast National Bank	4	$760K	0.0%	17.64%
129	Manufacturers and Traders Trust Company	1	$750K	0.0%	96.83%
130	OptimumBank	1	$687K	0.0%	0.00%
131	ConnectOne Bank	2	$650K	0.0%	0.00%
132	CenTrust Bank, A Division of SmartBiz Bank National Association	4	$645K	0.0%	0.00%
133	Bankwell Bank	1	$630K	0.0%	0.00%
134	Wachovia SBA Lending, Inc.	1	$614K	0.0%	0.00%
135	Carolina Business Capital, Inc.	5	$587K	0.0%	11.18%
136	The Bank of Houston	1	$561K	0.0%	0.00%
137	Luminate Bank	1	$550K	0.0%	0.00%
138	First Port City Bank	1	$536K	0.0%	0.00%
139	Heritage Bank Inc	4	$521K	0.0%	0.00%
140	Renasant Bank	2	$505K	0.0%	0.00%
141	Accion Opportunity Fund Community Development	4	$504K	0.0%	0.00%
142	Southern Bank and Trust Company	1	$500K	0.0%	0.00%
143	PCB Bank	2	$500K	0.0%	0.00%
144	Grasshopper Bank National Association	1	$500K	0.0%	0.00%
145	FDIC - Community Bank & Trust-West Georgia	1	$479K	0.0%	0.00%
146	Securityplus Federal Credit Union	1	$468K	0.0%	0.00%
147	OneWest Bank, A Division of	1	$440K	0.0%	0.00%
148	Wilmington Savings Fund Society FSB	1	$416K	0.0%	0.00%
149	Optus Bank	2	$373K	0.0%	51.05%
150	Partner Community Capital	2	$372K	0.0%	0.00%
151	Navy FCU	2	$359K	0.0%	0.00%
152	Prosperity Bank	1	$350K	0.0%	0.00%
153	Cogent Bank	1	$350K	0.0%	0.00%
154	New Millennium Bank	1	$300K	0.0%	0.00%
155	City National Bank of Florida	1	$300K	0.0%	0.00%
156	Unity Bank	1	$300K	0.0%	0.00%
157	First Interstate Bank	1	$280K	0.0%	0.00%
158	CDC Small Business Finance Corp.	3	$275K	0.0%	0.00%
159	CRF Small Business Loan Company, LLC	1	$273K	0.0%	0.00%
160	Florida Capital Bank, National Association	1	$259K	0.0%	91.72%
161	UniBank	1	$255K	0.0%	0.00%
162	Granite Bank	1	$250K	0.0%	0.00%
163	Vallant Bank	1	$250K	0.0%	0.00%
164	Oconee State Bank	1	$245K	0.0%	0.00%
165	Capital One National Association	5	$235K	0.0%	6.54%
166	United Business Bank	1	$225K	0.0%	0.00%
167	Wintrust Bank National Association	1	$210K	0.0%	0.00%
168	Zions Bank, A Division of	2	$200K	0.0%	29.82%
169	Institute Capital, Inc.	1	$170K	0.0%	0.00%
170	Hiawatha National Bank	1	$150K	0.0%	0.00%
171	First Utah Bank	1	$150K	0.0%	0.00%
172	Telhio Credit Union Inc	2	$132K	0.0%	0.00%
173	Highland Bank	1	$125K	0.0%	0.00%
174	Carver State Bank	1	$125K	0.0%	13.24%
175	First Pryority Bank	1	$106K	0.0%	0.00%
176	SoFi Bank, National Association	1	$25K	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	474	$403.0M	19.3%
2	Health care & social assistance	386	$268.3M	12.8%
3	Professional & technical services	462	$217.4M	10.4%
4	Other services	376	$199.0M	9.5%
5	Construction	333	$162.2M	7.8%
6	Retail trade	234	$127.3M	6.1%
7	Wholesale trade	156	$98.4M	4.7%
8	Arts, entertainment & recreation	159	$98.3M	4.7%
9	Administrative & waste services	219	$85.9M	4.1%
10	Real estate & leasing	75	$62.6M	3.0%
11	Manufacturing	98	$62.3M	3.0%
12	Finance & insurance	82	$52.1M	2.5%
13	Manufacturing	67	$45.0M	2.2%
14	Retail trade	142	$43.4M	2.1%
15	Manufacturing	71	$38.1M	1.8%
16	Educational services	69	$36.4M	1.7%
17	Transportation & warehousing	108	$34.7M	1.7%
18	Transportation & warehousing	20	$15.0M	0.7%
19	Information	35	$14.0M	0.7%
20	Utilities	7	$11.3M	0.5%
21	Management of companies	4	$8.5M	0.4%
22	Agriculture, forestry & fishing	7	$6.8M	0.3%
23	Mining & extraction	1	$1.0M	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.