SBA lending by metro area
SBA lenders in St. Joseph, MO
Which lenders fund St. Joseph-area businesses, how much, and how the market compares with Missouri: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the St. Joseph area
Ranked by SBA volume funded to businesses located in the St. Joseph 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 | Mo-Kan Development, Inc. | 29 | $10.9M | $378K | not reported |
| 2 | U.S. Bank, National Association | 26 | $9.3M | $358K | 3.85% |
| 3 | Commerce Bank | 13 | $8.6M | $661K | not reported |
| 4 | Busey Bank | 5 | $8.4M | $1.7M | not reported |
| 5 | Live Oak Banking Company | 5 | $6.2M | $1.2M | not reported |
| 6 | Fusion Bank | 5 | $4.8M | $968K | not reported |
| 7 | Bank Northwest | 7 | $3.3M | $478K | not reported |
| 8 | Rural Missouri, Inc. | 5 | $3.1M | $623K | not reported |
| 9 | Community Banks of Colorado, A Division of NBH Bank | 8 | $2.1M | $265K | not reported |
| 10 | UMB Bank, National Association | 11 | $1.6M | $143K | 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 St. Joseph compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| St. Joseph area | $269K ▲ 38.0% | 18.1% ▲ 7.2 pts |
| Missouri | $195K | 10.9% |
| United States | $179K | 11.2% |
What gets funded in St. Joseph
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 36 | $31.7M |
| Manufacturing | 20 | $23.6M |
| Health Care and Social Assistance | 24 | $13.4M |
| Retail Trade | 26 | $12.9M |
| Other Services | 22 | $9.1M |
| Transportation and Warehousing | 8 | $8.6M |
| Construction | 16 | $8.4M |
| Arts, Entertainment, Recreation | 6 | $5.6M |
SBA lending in St. Joseph by year
Geography, precisely
"St. Joseph area" here means the St. Joseph, MO-KS metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Andrew County, MO; Buchanan County, MO; DeKalb County, MO; Doniphan County, KS. 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.