SBA lending by metro area
SBA lenders in Modesto, CA
Which lenders fund Modesto-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 Modesto area
Ranked by SBA volume funded to businesses located in the Modesto 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 | Success Capital Expansion & Development Corporation | 110 | $81.4M | $740K | not reported |
| 2 | Wells Fargo Bank National Association | 128 | $60.8M | $475K | 2.34% |
| 3 | Celtic Bank Corporation | 43 | $56.1M | $1.3M | 9.30% |
| 4 | Live Oak Banking Company | 24 | $41.2M | $1.7M | 0.00% |
| 5 | Mortgage Capital Development Corporation | 26 | $36.9M | $1.4M | not reported |
| 6 | U.S. Bank, National Association | 102 | $36.6M | $359K | 3.92% |
| 7 | BMO Bank National Association | 30 | $25.0M | $834K | 0.00% |
| 8 | Enterprise Bank & Trust | 16 | $17.4M | $1.1M | not reported |
| 9 | United Business Bank | 14 | $17.2M | $1.2M | not reported |
| 10 | Columbia Bank | 19 | $17.1M | $899K | 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 Modesto compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Modesto area | $312K ▲ 4.0% | 19.4% ▲ 2.7 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Modesto
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 193 | $194.7M |
| Accommodation and Food Services | 131 | $128.6M |
| Health Care and Social Assistance | 136 | $96.2M |
| Professional and Technical Services | 69 | $55.9M |
| Manufacturing | 71 | $46.6M |
| Other Services | 111 | $41.7M |
| Real Estate | 31 | $35.4M |
| Construction | 119 | $33.4M |
SBA lending in Modesto by year
Geography, precisely
"Modesto area" here means the Modesto, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Stanislaus 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.