SBA lending by metro area
SBA lenders in Clearlake, CA
Which lenders fund Clearlake-area businesses, how much, and how the market compares with California: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Clearlake area
Ranked by SBA volume funded to businesses located in the Clearlake micropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 5 | $13.8M | $2.8M | not reported |
| 2 | Open Bank | 8 | $11.6M | $1.4M | not reported |
| 3 | U.S. Bank, National Association | 7 | $5.2M | $748K | not reported |
| 4 | Heritage Bank of Commerce | 5 | $5.0M | $995K | not reported |
| 5 | Bay Area Employment Development Company | 8 | $3.1M | $385K | not reported |
| 6 | Columbia Bank | 11 | $2.9M | $263K | not reported |
| 7 | Enterprise Bank & Trust | 5 | $2.7M | $549K | not reported |
| 8 | Redwood CU | 5 | $2.4M | $476K | not reported |
| 9 | BMO Bank National Association | 6 | $2.3M | $383K | not reported |
| 10 | Wells Fargo Bank National Association | 7 | $1.8M | $255K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Clearlake compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Clearlake area | $350K ▲ 16.7% | 12.5% ▼ 4.1 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Clearlake
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 37 | $36.9M |
| Accommodation and Food Services | 19 | $14.9M |
| Other Services | 12 | $9.9M |
| Real Estate | 6 | $7.6M |
| Manufacturing | 6 | $6.1M |
| Construction | 13 | $4.2M |
| Health Care and Social Assistance | 8 | $3.8M |
| Professional and Technical Services | 6 | $1.2M |
SBA lending in Clearlake by year
Geography, precisely
"Clearlake area" here means the Clearlake, CA micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Lake County, CA. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.