SBA lending by metro area
SBA lenders in Ruidoso, NM
Which lenders fund Ruidoso-area businesses, how much, and how the market compares with New Mexico: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Ruidoso area
Ranked by SBA volume funded to businesses located in the Ruidoso micropolitan 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 | First Savings Bank | 36 | $9.0M | $249K | 0.00% |
| 2 | Capital Certified Development Corporation | 8 | $3.0M | $373K | not reported |
| 3 | PNC Bank, National Association | 8 | $444K | $56K | 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 Ruidoso compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Ruidoso area | $175K ▼ 12.5% | 10.6% ▼ 1.9 pts |
| New Mexico | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Ruidoso
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 27 | $19.8M |
| Retail Trade | 17 | $7.7M |
| Other Services | 7 | $3.3M |
| Construction | 14 | $2.2M |
SBA lending in Ruidoso by year
Geography, precisely
"Ruidoso area" here means the Ruidoso, NM micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Lincoln County, NM. 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.