SBA lending by metro area
SBA lenders in Johnson City, TN
Which lenders fund Johnson City-area businesses, how much, and how the market compares with Tennessee: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Johnson City area
Ranked by SBA volume funded to businesses located in the Johnson City metropolitan 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 | Citizens Bank | 16 | $12.6M | $786K | not reported |
| 2 | Live Oak Banking Company | 8 | $11.3M | $1.4M | not reported |
| 3 | The First Bank and Trust Company | 14 | $7.1M | $504K | not reported |
| 4 | HomeTrust Bank | 6 | $6.1M | $1.0M | not reported |
| 5 | The Huntington National Bank | 6 | $4.8M | $792K | not reported |
| 6 | Brightbridge, Inc. | 8 | $3.7M | $461K | not reported |
| 7 | U.S. Bank, National Association | 6 | $3.7M | $609K | not reported |
| 8 | Mountain Commerce Bank | 16 | $2.4M | $147K | not reported |
| 9 | Celtic Bank Corporation | 6 | $2.2M | $370K | not reported |
| 10 | Readycap Lending, LLC | 5 | $1.8M | $358K | 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 Johnson City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Johnson City area | $300K ▲ 20.0% | 6.0% ▲ 0.6 pts |
| Tennessee | $250K | 5.3% |
| United States | $179K | 11.2% |
What gets funded in Johnson City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 23 | $19.9M |
| Other Services | 18 | $13.9M |
| Retail Trade | 33 | $13.0M |
| Health Care and Social Assistance | 14 | $12.5M |
| Arts, Entertainment, Recreation | 13 | $11.4M |
| Wholesale Trade | 6 | $9.9M |
| Real Estate | 8 | $9.2M |
| Construction | 23 | $7.9M |
SBA lending in Johnson City by year
Geography, precisely
"Johnson City area" here means the Johnson City, TN metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Carter County, TN; Unicoi County, TN; Washington County, TN. 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.