SBA lending by metro area
SBA lenders in Whitewater, WI
Which lenders fund Whitewater-area businesses, how much, and how the market compares with Wisconsin: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Whitewater area
Ranked by SBA volume funded to businesses located in the Whitewater 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 | WBD, Inc. | 45 | $43.1M | $959K | not reported |
| 2 | First Citizens State Bank | 57 | $25.4M | $445K | 1.75% |
| 3 | U.S. Bank, National Association | 52 | $15.2M | $293K | 0.00% |
| 4 | Bank Five Nine | 24 | $14.2M | $593K | 12.50% |
| 5 | Byline Bank | 13 | $10.4M | $801K | not reported |
| 6 | Town Bank, National Association | 26 | $9.7M | $374K | 0.00% |
| 7 | The Harvard State Bank | 10 | $7.5M | $749K | not reported |
| 8 | Racine County Economic Development Corporation | 13 | $7.2M | $556K | not reported |
| 9 | BMO Bank National Association | 16 | $7.2M | $449K | not reported |
| 10 | Old National Bank | 5 | $7.0M | $1.4M | 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 Whitewater compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Whitewater area | $218K ▲ 9.0% | 13.2% |
| Wisconsin | $200K | 13.7% |
| United States | $179K | 11.2% |
What gets funded in Whitewater
| Industry | Loans | Total funded |
|---|---|---|
| Manufacturing | 66 | $48.5M |
| Accommodation and Food Services | 60 | $45.3M |
| Retail Trade | 68 | $35.4M |
| Health Care and Social Assistance | 27 | $20.1M |
| Construction | 57 | $16.9M |
| Other Services | 41 | $11.7M |
| Transportation and Warehousing | 25 | $10.4M |
| Arts, Entertainment, Recreation | 14 | $9.6M |
SBA lending in Whitewater by year
Geography, precisely
"Whitewater area" here means the Whitewater-Elkhorn, WI micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Walworth County, WI. 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.