SBA lending by metro area
SBA lenders in Owensboro, KY
Which lenders fund Owensboro-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 Owensboro area
Ranked by SBA volume funded to businesses located in the Owensboro 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 | Live Oak Banking Company | 8 | $12.6M | $1.6M | not reported |
| 2 | Old National Bank | 14 | $7.1M | $507K | not reported |
| 3 | U.S. Bank, National Association | 43 | $5.9M | $137K | 2.33% |
| 4 | First Financial Bank, National Association | 8 | $5.1M | $636K | not reported |
| 5 | German American Bank | 10 | $5.0M | $505K | not reported |
| 6 | The Huntington National Bank | 8 | $4.7M | $583K | not reported |
| 7 | First Financial Bank | 5 | $3.0M | $592K | not reported |
| 8 | Fifth Third Bank | 9 | $2.4M | $270K | not reported |
| 9 | Republic Bank & Trust Company | 7 | $1.3M | $185K | not reported |
| 10 | South Central Bank, Inc. | 7 | $571K | $82K | 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 Owensboro compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Owensboro area | $195K ▲ 36.6% | 5.8% ▼ 1.0 pts |
| Kentucky | $143K | 6.8% |
| United States | $179K | 11.2% |
What gets funded in Owensboro
| Industry | Loans | Total funded |
|---|---|---|
| Health Care and Social Assistance | 22 | $17.4M |
| Accommodation and Food Services | 26 | $15.8M |
| Construction | 31 | $11.6M |
| Other Services | 27 | $10.6M |
| Retail Trade | 20 | $9.1M |
| Manufacturing | 7 | $5.3M |
| Professional and Technical Services | 9 | $2.2M |
| Arts, Entertainment, Recreation | 9 | $1.3M |
SBA lending in Owensboro by year
Geography, precisely
"Owensboro area" here means the Owensboro, KY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Daviess County, KY; McLean 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.