Lenders · new businesses
SBA lenders ranked by how much they lend to startups
Across all SBA lending since FY2010, 27% of loans with a recorded business age went to a startup or a business two years old or less. These 810 lenders are ranked by their own share, highest first.
New-business share
27.3%
All SBA loans, FY2010 onward
Startups only
15.4%
Loan funds open the business
Lenders ranked
810
At least 100 loans with a recorded age
Above the national share
445
| # | Lender | New-business share | Startups only | Loans (age recorded) | Median loan | Approved | Latest FY |
|---|---|---|---|---|---|---|---|
| 1 | Economic Development Bank for Puerto Rico | 89.5% | 80.5% | 389 | $92,000 | $66.2M | 2026 |
| 2 | Luminate Bank | 82.2% | 50.8% | 118 | $536,400 | $96.5M | 2023 |
| 3 | United Midwest Savings Bank | 77.4% | 73.5% | 7,267 | $150,000 | $2.58B | 2026 |
| 4 | First Service Bank | 74.6% | 53.1% | 177 | $350,000 | $134.4M | 2026 |
| 5 | Carver State Bank | 73.9% | 70.3% | 111 | $111,000 | $23.0M | 2019 |
| 6 | Colorado Enterprise Fund | 72.2% | 59.4% | 133 | $150,000 | $23.2M | 2026 |
| 7 | PeopleFund | 69.9% | 58.3% | 641 | $104,100 | $153.0M | 2026 |
| 8 | Carolina Small Business Development Fund | 67.9% | 63.2% | 234 | $126,300 | $35.2M | 2026 |
| 9 | FWBank | 67.5% | 42.5% | 200 | $746,900 | $238.9M | 2026 |
| 10 | Paragon Bank | 67.4% | 61.3% | 362 | $525,500 | $322.0M | 2026 |
| 11 | Wisconsin Women's Business Initiative Corporation | 66.9% | 50.0% | 362 | $120,000 | $51.0M | 2026 |
| 12 | Redstone FCU | 65.1% | 34.9% | 129 | $27,000 | $9.0M | 2018 |
| 13 | Climate First Bank | 64.5% | 42.7% | 248 | $689,700 | $298.8M | 2026 |
| 14 | Magnifi Financial CU | 64.1% | 57.9% | 437 | $215,550 | $131.6M | 2026 |
| 15 | Economic and Community Development Institute | 62.5% | 37.5% | 104 | $150,000 | $17.7M | 2026 |
| 16 | DreamSpring | 62.3% | 48.8% | 207 | $83,500 | $24.2M | 2026 |
| 17 | First Bank of the Lake | 62.1% | 51.9% | 2,516 | $350,000 | $2.08B | 2026 |
| 18 | Montana Community Development Corp. | 61.9% | 43.0% | 223 | $114,500 | $31.4M | 2026 |
| 19 | Loyal Trust Bank | 61.6% | 23.9% | 138 | $592,650 | $140.0M | 2026 |
| 20 | Legacy National Bank | 61.5% | 49.7% | 143 | $160,000 | $63.2M | 2020 |
| 21 | The Callaway Bank | 60.4% | 45.9% | 159 | $65,000 | $24.2M | 2026 |
| 22 | Amarillo National Bank | 60.4% | 50.5% | 101 | $292,000 | $63.0M | 2019 |
| 23 | Wells Fargo Bank | 59.9% | 9.4% | 48,247 | $25,000 | $17.43B | 2026 |
| 24 | NYBDC Local Development Corporation | 59.8% | 53.3% | 122 | $150,000 | $24.2M | 2026 |
| 25 | Southern Bancorp Bank | 59.7% | 37.3% | 201 | $361,250 | $211.8M | 2026 |
| 26 | Mountain Bizcapital, Inc. | 58.7% | 43.0% | 121 | $125,000 | $16.8M | 2026 |
| 27 | Seattle Economic Development Fund | 57.9% | 42.1% | 121 | $105,000 | $17.0M | 2026 |
| 28 | Stearns Bank | 57.7% | 52.8% | 4,970 | $215,000 | $2.03B | 2026 |
| 29 | Black Hills FCU | 57.7% | 41.0% | 239 | $61,800 | $42.1M | 2026 |
| 30 | ConnectOne Bank | 57.5% | 50.2% | 261 | $514,000 | $216.2M | 2026 |
| 31 | Business Development Corporation of South Carolina | 57.5% | 46.1% | 219 | $249,000 | $77.1M | 2026 |
| 32 | Encore Bank | 57.4% | 32.9% | 155 | $447,400 | $107.8M | 2026 |
| 33 | Craft Bank | 56.3% | 33.0% | 112 | $592,500 | $119.9M | 2026 |
| 34 | Lone Star National Bank | 56.2% | 46.3% | 162 | $150,000 | $47.7M | 2025 |
| 35 | Stellar Bank | 56.1% | 38.2% | 579 | $497,700 | $572.3M | 2026 |
| 36 | Patriot Bank | 55.6% | 41.5% | 135 | $505,000 | $128.4M | 2024 |
| 37 | Corning FCU | 55.6% | 28.9% | 135 | $80,000 | $17.9M | 2022 |
| 38 | b1BANK | 55.4% | 43.2% | 507 | $350,500 | $387.5M | 2026 |
| 39 | The Bank of Houston | 55.0% | 45.6% | 149 | $511,500 | $120.9M | 2026 |
| 40 | Georgia's Own Credit Union | 54.4% | 38.4% | 250 | $590,700 | $264.1M | 2026 |
| 41 | Arbor Bank | 54.4% | 38.6% | 114 | $155,000 | $42.8M | 2026 |
| 42 | The First National Bank of McGregor d/b/a TFNB Your Bank for Life | 54.3% | 41.1% | 175 | $166,850 | $86.2M | 2026 |
| 43 | American Bank | 54.2% | 33.8% | 299 | $410,000 | $282.1M | 2026 |
| 44 | Everwise Credit Union | 54.1% | 40.6% | 133 | $1,650,000 | $265.3M | 2026 |
| 45 | Centris Federal Credit Union | 53.8% | 37.5% | 104 | $75,000 | $17.6M | 2024 |
| 46 | Arvest Bank | 53.7% | 40.3% | 1,941 | $99,000 | $599.1M | 2026 |
| 47 | Lake Ridge Bank | 53.1% | 44.1% | 290 | $108,000 | $79.1M | 2026 |
| 48 | Sound Credit Union | 52.9% | 23.0% | 357 | $48,000 | $89.9M | 2026 |
| 49 | Community 1st CU | 52.9% | 40.6% | 155 | $56,350 | $21.4M | 2026 |
| 50 | Idaho Central CU | 52.6% | 30.0% | 443 | $249,000 | $231.6M | 2026 |
| 51 | Hills Bank and Trust Company | 52.6% | 45.1% | 175 | $99,000 | $25.5M | 2025 |
| 52 | Merchants & Marine Bank | 52.6% | 43.1% | 116 | $250,000 | $56.6M | 2026 |
| 53 | United Community Bank | 52.4% | 46.0% | 2,780 | $505,000 | $2.29B | 2026 |
| 54 | Vallant Bank | 52.1% | 41.4% | 140 | $828,000 | $172.3M | 2026 |
| 55 | EagleBank | 51.9% | 43.4% | 343 | $350,000 | $223.8M | 2026 |
| 56 | The Bancorp Bank | 51.8% | 43.6% | 1,827 | $476,000 | $1.52B | 2026 |
| 57 | Potomac Bank | 51.7% | 39.7% | 116 | $221,000 | $42.4M | 2026 |
| 58 | Members Choice CU | 51.6% | 47.2% | 161 | $285,000 | $160.9M | 2020 |
| 59 | TowneBank | 51.4% | 34.4% | 1,406 | $550,000 | $1.17B | 2026 |
| 60 | Security State Bank and Trust | 51.4% | 41.8% | 146 | $408,150 | $94.1M | 2026 |
| 61 | The First National Bank in Sioux Falls | 51.3% | 36.5% | 189 | $155,000 | $60.3M | 2026 |
| 62 | Frost Bank | 51.0% | 34.3% | 1,121 | $250,000 | $575.2M | 2026 |
| 63 | Home Bank | 50.9% | 30.4% | 214 | $1,075,200 | $289.9M | 2026 |
| 64 | Happen Bank | 50.7% | 44.8% | 990 | $590,000 | $987.8M | 2026 |
| 65 | North State Bank | 50.6% | 42.7% | 571 | $495,200 | $479.3M | 2026 |
| 66 | Community First Bank of Indiana | 50.6% | 31.5% | 168 | $316,900 | $90.0M | 2026 |
| 67 | Simmons Bank | 50.4% | 34.6% | 3,648 | $245,100 | $1.64B | 2026 |
| 68 | Texas Bank | 50.4% | 31.3% | 115 | $150,000 | $46.0M | 2026 |
| 69 | Forward Bank | 50.3% | 28.6% | 185 | $100,000 | $44.4M | 2026 |
| 70 | Platte Valley Bank | 50.3% | 36.9% | 157 | $78,000 | $34.4M | 2026 |
| 71 | Trustmark Bank | 50.2% | 38.1% | 1,044 | $82,450 | $219.8M | 2026 |
| 72 | Third Coast Bank | 49.9% | 43.8% | 361 | $470,000 | $320.6M | 2026 |
| 73 | ACC Capital | 49.6% | 40.2% | 246 | $277,500 | $120.1M | 2026 |
| 74 | Altra Federal Credit Union | 49.6% | 37.6% | 133 | $96,300 | $37.2M | 2024 |
| 75 | Bank of Oak Ridge | 49.5% | 32.7% | 214 | $557,000 | $206.7M | 2026 |
| 76 | First Federal Bank | 49.4% | 31.0% | 429 | $623,100 | $414.0M | 2026 |
| 77 | WesBanco Bank, Inc. | 49.3% | 33.7% | 505 | $250,000 | $300.0M | 2026 |
| 78 | First National Bank of Omaha | 49.2% | 41.5% | 1,202 | $150,000 | $390.1M | 2026 |
| 79 | Washington Trust Bank | 49.2% | 35.1% | 1,089 | $202,500 | $491.5M | 2026 |
| 80 | Main Street Launch | 49.1% | 39.4% | 442 | $150,000 | $84.7M | 2026 |
| 81 | Texas Capital Bank | 49.0% | 28.2% | 255 | $1,105,500 | $389.5M | 2026 |
| 82 | Hancock Whitney Bank | 48.7% | 39.0% | 1,166 | $250,000 | $631.5M | 2026 |
| 83 | Quaint Oak Bank | 48.7% | 34.5% | 197 | $455,200 | $133.1M | 2026 |
| 84 | First Guaranty Bank | 48.7% | 38.6% | 189 | $550,400 | $207.2M | 2025 |
| 85 | The MINT National Bank | 48.5% | 35.0% | 297 | $1,172,500 | $516.3M | 2026 |
| 86 | Milestone Bank | 48.4% | 37.6% | 186 | $832,000 | $265.0M | 2026 |
| 87 | FirstBank | 48.2% | 39.2% | 355 | $315,000 | $231.6M | 2025 |
| 88 | Wallis Bank | 48.1% | 27.4% | 1,213 | $750,000 | $1.71B | 2026 |
| 89 | Bangor Savings Bank | 48.1% | 37.3% | 1,145 | $88,000 | $177.0M | 2026 |
| 90 | Wilmington Savings Fund Society | 47.9% | 35.1% | 1,783 | $388,000 | $1.27B | 2026 |
| 91 | Meridian Bank | 47.9% | 12.3% | 869 | $500,000 | $804.9M | 2026 |
| 92 | Florida Capital Bank | 47.7% | 43.6% | 218 | $297,800 | $101.4M | 2024 |
| 93 | Newburyport Five Cents Savings Bank | 47.5% | 12.7% | 118 | $100,000 | $20.4M | 2026 |
| 94 | Oconee State Bank | 47.2% | 35.4% | 127 | $529,300 | $106.3M | 2026 |
| 95 | America First Federal Credit Union | 47.1% | 34.1% | 1,694 | $457,400 | $1.46B | 2026 |
| 96 | Small Business Bank | 46.9% | 35.2% | 196 | $121,700 | $46.3M | 2025 |
| 97 | Capital Credit Union | 46.9% | 30.2% | 192 | $56,500 | $34.6M | 2025 |
| 98 | Middlesex Savings Bank | 46.8% | 36.9% | 222 | $80,000 | $47.7M | 2026 |
| 99 | First Commonwealth Bank | 46.6% | 34.9% | 1,810 | $300,000 | $1.14B | 2026 |
| 100 | Midwest Bank | 46.6% | 33.6% | 131 | $160,000 | $41.6M | 2026 |
Showing the top 100 of 810 ranked lenders. Every lender’s share is on its profile, reachable from the lender directory.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. 7(a) and 504 approvals from FY2010 onward. Median loan and amount approved cover all of a lender’s SBA loans, not only its new-business loans. “Latest FY” is the most recent fiscal year with any approval, and the current fiscal year is partial. Methodology.
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