SBA lending by metro area
SBA lenders in Napa, CA
Which lenders fund Napa-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 Napa area
Ranked by SBA volume funded to businesses located in the Napa 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 | Bay Area Employment Development Company | 67 | $75.3M | $1.1M | not reported |
| 2 | Mortgage Capital Development Corporation | 72 | $61.1M | $848K | not reported |
| 3 | Live Oak Banking Company | 41 | $55.2M | $1.3M | 0.00% |
| 4 | Poppy Bank | 19 | $35.5M | $1.9M | not reported |
| 5 | Redwood CU | 33 | $23.1M | $701K | 3.03% |
| 6 | Wells Fargo Bank National Association | 48 | $21.2M | $441K | 2.08% |
| 7 | U.S. Bank, National Association | 47 | $14.8M | $315K | 2.13% |
| 8 | Celtic Bank Corporation | 13 | $11.5M | $887K | not reported |
| 9 | Columbia Bank | 20 | $11.4M | $568K | 5.00% |
| 10 | Pinnacle Bank | 5 | $10.1M | $2.0M | 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 Napa compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Napa area | $350K ▲ 16.7% | 25.7% ▲ 9.0 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Napa
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 99 | $99.1M |
| Manufacturing | 86 | $92.7M |
| Health Care and Social Assistance | 81 | $68.9M |
| Retail Trade | 66 | $65.9M |
| Professional and Technical Services | 65 | $26.5M |
| Wholesale Trade | 42 | $24.8M |
| Construction | 65 | $21.6M |
| Other Services | 50 | $15.2M |
SBA lending in Napa by year
Geography, precisely
"Napa area" here means the Napa, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Napa 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.