SBA lender profile
Heritage Bank Inc
Heritage Bank Inc appears in the public SBA loan data with 590 funded 7(a) loans since FY2010, totaling $262.6M, an average of $445K per loan, and an estimated 6,001 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.0%. 85.9% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 79
- Scale 84
- Activity 94
- Consistency 48
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Heritage Bank Inc the right lender for you?
Lenders fund what they know. Heritage Bank Inc's SBA lending concentrates in California (67 loans) and Accommodation and Food Services (74 loans), at an average loan of $445K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where Heritage Bank Inc lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 67 | $24.2M |
| Texas | 44 | $23.3M |
| Florida | 61 | $23.2M |
| Kentucky | 23 | $17.5M |
| New York | 46 | $15.2M |
| Pennsylvania | 29 | $15.0M |
Metro areas where Heritage Bank Inc funds
What Heritage Bank Inc funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 74 | $43.7M |
| Other Services | 55 | $30.3M |
| Retail Trade | 71 | $28.6M |
| Construction | 64 | $26.3M |
| Health Care and Social Assistance | 60 | $24.8M |
| Manufacturing | 35 | $24.2M |
Heritage Bank Inc SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2017 | 1 | $100K |
| 2018 | 1 | $300K |
| 2019 | 1 | $300K |
| 2021 | 2 | $1.4M |
| 2022 | 4 | $4.6M |
| 2023 | 135 | $45.5M |
| 2024 | 223 | $52.3M |
| 2025 | 185 | $130.9M |
| 2026 | 38 | $27.2M |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Heritage Bank Inc: frequently asked questions
Does Heritage Bank Inc offer SBA loans?
Yes. Heritage Bank Inc appears in the public SBA data with 590 funded SBA 7(a) loans totaling $262.6M.
How many SBA loans has Heritage Bank Inc made?
Heritage Bank Inc is associated with 590 SBA 7(a) loans totaling $262.6M in the public SBA data (as of 2026-03-31).
What is Heritage Bank Inc's SBA charge-off rate?
About 2.0% of Heritage Bank Inc's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Heritage Bank Inc do most of its SBA lending?
Heritage Bank Inc's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is Heritage Bank Inc an SBA Preferred Lender (PLP)?
The loan record shows Heritage Bank Inc operating under PLP delegated authority: 507 of its 7(a) loans (85.9%) were processed through the Preferred Lenders Program, including 399 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Heritage Bank Inc SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/heritage-bank-inc/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.