SBA 7(a) lenders in Mecklenburg, NC

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

Lenders

177 institutions have SBA 7(a) loans on record in Mecklenburg, together $2.02B across 3,515 loans. Live Oak Banking Company is the largest, with 9% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	163	$185.1M	9.2%	0.00%
2	Wells Fargo Bank National Association	522	$173.6M	8.6%	4.86%
3	Pinnacle Bank	167	$172.2M	8.5%	0.19%
4	First National Bank of Pennsylvania	177	$121.7M	6.0%	2.91%
5	United Community Bank	121	$108.4M	5.4%	2.60%
6	GBank	20	$70.7M	3.5%	0.00%
7	The Huntington National Bank	148	$66.7M	3.3%	0.85%
8	Truist Bank	224	$66.6M	3.3%	2.98%
9	Fifth Third Bank	97	$49.1M	2.4%	2.01%
10	SouthState Bank, National Association	65	$47.7M	2.4%	1.72%
11	TowneBank	46	$45.9M	2.3%	0.00%
12	Readycap Lending, LLC	85	$43.1M	2.1%	0.77%
13	Byline Bank	16	$33.0M	1.6%	0.00%
14	Newtek Small Business Finance, Inc.	49	$32.9M	1.6%	1.49%
15	Bank of America, National Association	91	$32.0M	1.6%	0.74%
16	Newtek Bank, National Association	62	$31.9M	1.6%	0.00%
17	HomeTrust Bank	30	$30.7M	1.5%	4.48%
18	PNC Bank, National Association	76	$28.4M	1.4%	0.88%
19	First Bank	31	$27.1M	1.3%	0.93%
20	Citizens Bank	24	$24.8M	1.2%	0.00%
21	Customers Bank	13	$24.6M	1.2%	0.00%
22	Celtic Bank Corporation	67	$23.5M	1.2%	3.16%
23	Regions Bank	22	$23.2M	1.2%	0.00%
24	Truliant FCU	45	$21.3M	1.1%	0.54%
25	First Horizon Bank	35	$21.1M	1.0%	4.23%
26	Capital Bank, National Association	15	$19.1M	0.9%	0.00%
27	United Midwest Savings Bank National Association	62	$17.7M	0.9%	1.00%
28	TD Bank, National Association	84	$17.1M	0.8%	2.05%
29	First-Citizens Bank & Trust Company	29	$15.4M	0.8%	1.70%
30	The Fidelity Bank	11	$14.7M	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%	1.99%
33	Enterprise Bank & Trust	5	$12.8M	0.6%	0.00%
34	Northeast Bank	64	$12.2M	0.6%	0.00%
35	BayFirst National Bank	60	$11.8M	0.6%	4.24%
36	Bank of Hope	34	$11.7M	0.6%	4.05%
37	BankUnited, National Association	10	$11.3M	0.6%	0.00%
38	First Bank of the Lake	17	$11.2M	0.6%	1.28%
39	Bank of Oak Ridge	5	$10.7M	0.5%	0.00%
40	Harvest Small Business Finance, LLC	10	$10.7M	0.5%	0.00%
41	Hanmi Bank	6	$10.6M	0.5%	0.00%
42	Ameris Bank	16	$9.1M	0.5%	5.28%
43	The Park National Bank	14	$8.6M	0.4%	0.00%
44	First Business Bank	4	$8.4M	0.4%	0.00%
45	First Internet Bank of Indiana	10	$8.0M	0.4%	0.00%
46	U.S. Bank, National Association	55	$7.4M	0.4%	0.60%
47	The Bancorp Bank National Association	14	$7.1M	0.4%	0.00%
48	PromiseOne Bank	9	$6.9M	0.3%	7.93%
49	Open Bank	3	$6.6M	0.3%	0.00%
50	North State Bank	13	$6.5M	0.3%	1.99%
51	Mechanics and Farmers Bank	10	$6.3M	0.3%	0.90%
52	Bank Five Nine	10	$5.8M	0.3%	0.00%
53	Coastal States Bank	7	$5.7M	0.3%	2.13%
54	First State Bank Nebraska	3	$5.7M	0.3%	0.00%
55	IncredibleBank	2	$5.6M	0.3%	0.00%
56	Gulf Coast Bank and Trust Company	6	$5.5M	0.3%	0.00%
57	Shoreham Bank	5	$5.5M	0.3%	0.00%
58	Georgia Banking Company	9	$5.3M	0.3%	2.69%
59	Banc of California	4	$5.3M	0.3%	0.00%
60	Blue Ridge Bank National Association	1	$5.0M	0.2%	0.00%
61	Peoples Bank	1	$5.0M	0.2%	0.00%
62	Carolina Small Business Development Fund	28	$4.9M	0.2%	3.10%
63	JPMorgan Chase Bank, National Association	24	$4.8M	0.2%	6.40%
64	Port 51 Lending LLC	2	$4.8M	0.2%	0.00%
65	Climate First Bank	2	$4.8M	0.2%	0.00%
66	Pathward National Association	5	$4.6M	0.2%	0.00%
67	Old National Bank	3	$4.3M	0.2%	0.00%
68	Fund-Ex Solutions Group, LLC	3	$4.3M	0.2%	0.00%
69	T Bank, National Association	3	$4.0M	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	0.2%	0.00%
78	Bank OZK	13	$3.0M	0.1%	0.00%
79	First Western SBLC, LLC	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%	0.00%
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	Meridian Bank	4	$1.8M	0.1%	0.00%
95	First Community Bank	1	$1.8M	0.1%	0.00%
96	Lendistry SBLC, LLC	13	$1.8M	0.1%	0.00%
97	Platinum Bank	2	$1.6M	0.1%	0.00%
98	MVB Bank, Inc.	1	$1.6M	0.1%	0.00%
99	Independence Bank	13	$1.6M	0.1%	27.50%
100	Magnifi Financial CU	4	$1.6M	0.1%	0.00%
101	FlatIrons Bank	1	$1.6M	0.1%	0.00%
102	Countybank	1	$1.5M	0.1%	0.00%
103	Northwest Bank	3	$1.5M	0.1%	0.00%
104	CIBC Bank USA	4	$1.5M	0.1%	0.00%
105	First Security Bank of Nevada	1	$1.5M	0.1%	0.00%
106	KeyBank National Association	3	$1.4M	0.1%	0.00%
107	VelocitySBA, LLC	84	$1.4M	0.1%	12.50%
108	Columbia Bank	10	$1.3M	0.1%	1.77%
109	Quaint Oak Bank	2	$1.2M	0.1%	0.00%
110	22nd State Bank, A Division of 22nd State Banking Company	2	$1.2M	0.1%	0.00%
111	American Momentum Bank	2	$1.1M	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	0.1%	0.00%
116	First Bank	3	$1.0M	0.1%	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	Affinity Bank, National Association	1	$810K	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%	0.00%
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	Stone Bank	2	$588K	0.0%	0.00%
136	Carolina Business Capital, Inc.	5	$587K	0.0%	11.18%
137	The Bank of Houston	1	$561K	0.0%	0.00%
138	Luminate Bank	1	$550K	0.0%	0.00%
139	First Port City Bank	1	$536K	0.0%	0.00%
140	Heritage Bank Inc	4	$521K	0.0%	0.00%
141	Renasant Bank	2	$505K	0.0%	0.00%
142	Grasshopper Bank National Association	1	$500K	0.0%	0.00%
143	PCB Bank	2	$500K	0.0%	0.00%
144	Southern Bank and Trust Company	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	Accion Opportunity Fund Community Development	3	$379K	0.0%	0.00%
150	Optus Bank	2	$373K	0.0%	51.05%
151	Partner Community Capital	2	$372K	0.0%	0.00%
152	Navy FCU	2	$359K	0.0%	0.00%
153	Cogent Bank	1	$350K	0.0%	0.00%
154	Stellar Bank	1	$350K	0.0%	0.00%
155	New Millennium Bank	1	$300K	0.0%	0.00%
156	City National Bank of Florida	1	$300K	0.0%	0.00%
157	Unity Bank	1	$300K	0.0%	0.00%
158	First Interstate Bank	1	$280K	0.0%	0.00%
159	CDC Small Business Finance Corp.	3	$275K	0.0%	0.00%
160	CRF Small Business Loan Company, LLC	1	$273K	0.0%	0.00%
161	Florida Capital Bank, National Association	1	$259K	0.0%	91.72%
162	UniBank	1	$255K	0.0%	0.00%
163	Granite Bank	1	$250K	0.0%	0.00%
164	Vallant Bank	1	$250K	0.0%	0.00%
165	Oconee State Bank	1	$245K	0.0%	0.00%
166	Capital One National Association	5	$235K	0.0%	6.54%
167	United Business Bank	1	$225K	0.0%	0.00%
168	Wintrust Bank National Association	1	$210K	0.0%	0.00%
169	Zions Bank, A Division of	2	$200K	0.0%	29.82%
170	Institute Capital, Inc.	1	$170K	0.0%	0.00%
171	First Utah Bank	1	$150K	0.0%	0.00%
172	Hiawatha National Bank	1	$150K	0.0%	0.00%
173	Telhio Credit Union Inc	2	$132K	0.0%	0.00%
174	Highland Bank	1	$125K	0.0%	0.00%
175	Carver State Bank	1	$125K	0.0%	13.24%
176	First Pryority Bank	1	$106K	0.0%	0.00%
177	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	468	$394.5M	19.6%
2	Health care & social assistance	375	$262.8M	13.0%
3	Professional & technical services	454	$210.8M	10.5%
4	Other services	363	$179.8M	8.9%
5	Construction	325	$153.4M	7.6%
6	Retail trade	231	$126.1M	6.3%
7	Wholesale trade	153	$93.7M	4.7%
8	Arts, entertainment & recreation	155	$92.2M	4.6%
9	Administrative & waste services	214	$78.8M	3.9%
10	Manufacturing	98	$62.3M	3.1%
11	Real estate & leasing	74	$61.3M	3.0%
12	Finance & insurance	79	$49.0M	2.4%
13	Manufacturing	67	$45.0M	2.2%
14	Retail trade	140	$42.7M	2.1%
15	Manufacturing	71	$38.1M	1.9%
16	Educational services	69	$36.4M	1.8%
17	Transportation & warehousing	106	$33.7M	1.7%
18	Information	35	$14.0M	0.7%
19	Transportation & warehousing	19	$13.4M	0.7%
20	Utilities	7	$11.3M	0.6%
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.