SBA lender profile
Live Oak Banking Company
Live Oak Banking Company appears in the public SBA loan data with 17,169 funded 7(a) loans since FY2010, totaling $22.6B, an average of $1.3M per loan, and an estimated 250,285 jobs supported. Its SBA lending concentrates in California and the Health Care and Social Assistance sector. Across its 7(a) loans, the charge-off rate is 1.1%. 84.3% 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 89
- Scale 100
- Activity 100
- Consistency 87
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Live Oak Banking Company the right lender for you?
Lenders fund what they know. Live Oak Banking Company's SBA lending concentrates in California (2,198 loans) and Health Care and Social Assistance (3,436 loans), at an average loan of $1.3M. 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.
Bank profile
via FDIC- Total assets
- $15.2B
- Headquarters
- Wilmington, NC
- FDIC cert
- #58665
- Status
- Active
Where Live Oak Banking Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 2,198 | $2.9B |
| Texas | 1,731 | $2.4B |
| Florida | 1,284 | $1.7B |
| North Carolina | 1,047 | $1.4B |
| Georgia | 702 | $927.0M |
| Colorado | 729 | $924.9M |
Metro areas where Live Oak Banking Company funds
What Live Oak Banking Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 3,436 | $5.0B |
| Professional and Technical Services | 2,990 | $3.6B |
| Retail Trade | 1,800 | $2.4B |
| Other Services | 1,707 | $2.1B |
| Finance and Insurance | 1,944 | $1.6B |
| Agriculture, Forestry, Fishing | 771 | $1.6B |
Live Oak Banking Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 357 | $361.3M |
| 2011 | 497 | $504.7M |
| 2012 | 489 | $462.9M |
| 2013 | 609 | $593.1M |
| 2014 | 678 | $808.1M |
| 2015 | 966 | $1.1B |
| 2016 | 1,075 | $1.3B |
| 2017 | 1,055 | $1.4B |
| 2018 | 857 | $1.3B |
| 2019 | 912 | $1.3B |
| 2020 | 1,068 | $1.5B |
| 2021 | 1,551 | $2.3B |
| 2022 | 1,157 | $1.7B |
| 2023 | 1,215 | $1.8B |
| 2024 | 1,440 | $2.0B |
| 2025 | 2,280 | $2.9B |
| 2026 | 963 | $1.1B |
Related SBA lenders
Other lenders active in California or in Health Care and Social Assistance.
Comparing lenders? See how to choose an SBA lender by track record.
Live Oak Banking Company: frequently asked questions
Does Live Oak Banking Company offer SBA loans?
Yes. Live Oak Banking Company appears in the public SBA data with 17,169 funded SBA 7(a) loans totaling $22.6B.
How many SBA loans has Live Oak Banking Company made?
Live Oak Banking Company is associated with 17,169 SBA 7(a) loans totaling $22.6B in the public SBA data (as of 2026-03-31).
What is Live Oak Banking Company's SBA charge-off rate?
About 1.1% of Live Oak Banking Company'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 Live Oak Banking Company do most of its SBA lending?
Live Oak Banking Company's SBA lending in the data is most concentrated in California, and by industry in Health Care and Social Assistance.
Is Live Oak Banking Company an SBA Preferred Lender (PLP)?
The loan record shows Live Oak Banking Company operating under PLP delegated authority: 14,470 of its 7(a) loans (84.3%) were processed through the Preferred Lenders Program, including 3,964 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). Live Oak Banking Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/live-oak-banking-company/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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