SBA lending by metro area
SBA lenders in Lexington-Fayette, KY
Which lenders fund Lexington-Fayette-area businesses, how much, and how the market compares with Kentucky: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Lexington-Fayette area
Ranked by SBA volume funded to businesses located in the Lexington-Fayette 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 | Community Trust Bank, Inc. | 381 | $42.7M | $112K | 7.87% |
| 2 | Community Ventures Corporation | 75 | $42.5M | $567K | not reported |
| 3 | Traditional Bank Inc | 106 | $37.4M | $353K | 3.77% |
| 4 | U.S. Bank, National Association | 77 | $30.5M | $396K | 2.60% |
| 5 | The Huntington National Bank | 100 | $30.5M | $305K | 7.00% |
| 6 | Live Oak Banking Company | 26 | $25.5M | $982K | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 83 | $16.6M | $200K | 7.23% |
| 8 | Republic Bank & Trust Company | 55 | $16.3M | $296K | 1.82% |
| 9 | Stock Yards Bank & Trust Company | 40 | $13.5M | $337K | 5.00% |
| 10 | Capital Access Corporation - Kentucky | 18 | $12.9M | $718K | 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 Lexington-Fayette compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Lexington-Fayette area | $133K ▼ 7.1% | 7.1% |
| Kentucky | $143K | 6.8% |
| United States | $179K | 11.2% |
What gets funded in Lexington-Fayette
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 213 | $138.1M |
| Health Care and Social Assistance | 167 | $52.6M |
| Retail Trade | 174 | $43.8M |
| Other Services | 112 | $37.6M |
| Construction | 130 | $33.9M |
| Manufacturing | 89 | $30.8M |
| Professional and Technical Services | 124 | $30.7M |
| Arts, Entertainment, Recreation | 55 | $18.2M |
SBA lending in Lexington-Fayette by year
Geography, precisely
"Lexington-Fayette area" here means the Lexington-Fayette, KY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bourbon County, KY; Clark County, KY; Fayette County, KY; Jessamine County, KY; Scott County, KY; Woodford County, KY. 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.