SBA lending by metro area
SBA lenders in Santa Fe, NM
Which lenders fund Santa Fe-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 Santa Fe area
Ranked by SBA volume funded to businesses located in the Santa Fe 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 | 25 | $28.3M | $1.1M | 4.00% |
| 2 | Wells Fargo Bank National Association | 72 | $25.1M | $349K | 4.17% |
| 3 | Capital Certified Development Corporation | 57 | $22.8M | $401K | not reported |
| 4 | Enchantment Land Certified Development Company | 36 | $17.6M | $489K | not reported |
| 5 | U.S. Bank, National Association | 47 | $14.5M | $309K | 0.00% |
| 6 | Century Bank | 91 | $11.0M | $120K | 5.49% |
| 7 | UMB Bank, National Association | 41 | $9.7M | $237K | 0.00% |
| 8 | State Empl CU | 5 | $9.6M | $1.9M | not reported |
| 9 | Readycap Lending, LLC | 11 | $7.7M | $702K | not reported |
| 10 | PNC Bank, National Association | 7 | $7.2M | $1.0M | 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 Santa Fe compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Santa Fe area | $178K ▼ 11.0% | 19.0% ▲ 6.6 pts |
| New Mexico | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Santa Fe
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 45 | $53.8M |
| Retail Trade | 89 | $39.6M |
| Health Care and Social Assistance | 73 | $33.1M |
| Other Services | 48 | $24.3M |
| Manufacturing | 43 | $19.1M |
| Professional and Technical Services | 59 | $18.4M |
| Real Estate | 14 | $9.9M |
| Construction | 54 | $9.1M |
SBA lending in Santa Fe by year
Geography, precisely
"Santa Fe area" here means the Santa Fe, NM metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Santa Fe 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.