SBA lending by metro area
SBA lenders in Wilmington, NC
Which lenders fund Wilmington-area businesses, how much, and how the market compares with North Carolina: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Wilmington area
Ranked by SBA volume funded to businesses located in the Wilmington 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 | 133 | $139.1M | $1.0M | 0.00% |
| 2 | Business Expansion Funding Corporation | 60 | $50.7M | $846K | not reported |
| 3 | First National Bank of Pennsylvania | 56 | $38.0M | $678K | 1.79% |
| 4 | Truist Bank | 122 | $36.4M | $298K | 3.28% |
| 5 | First Bank | 47 | $35.8M | $762K | 0.00% |
| 6 | TowneBank | 25 | $33.2M | $1.3M | 0.00% |
| 7 | TD Bank, National Association | 48 | $19.4M | $405K | 4.17% |
| 8 | The Huntington National Bank | 32 | $15.5M | $484K | 3.12% |
| 9 | Wells Fargo Bank National Association | 84 | $15.4M | $184K | 8.33% |
| 10 | North State Bank | 11 | $13.2M | $1.2M | 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 Wilmington compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Wilmington area | $296K ▲ 13.9% | 7.3% |
| North Carolina | $260K | 7.6% |
| United States | $179K | 11.2% |
What gets funded in Wilmington
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 202 | $160.0M |
| Health Care and Social Assistance | 130 | $84.8M |
| Professional and Technical Services | 119 | $74.5M |
| Other Services | 114 | $71.7M |
| Retail Trade | 146 | $63.3M |
| Real Estate | 44 | $51.6M |
| Construction | 106 | $50.0M |
| Arts, Entertainment, Recreation | 54 | $38.7M |
SBA lending in Wilmington by year
Geography, precisely
"Wilmington area" here means the Wilmington, NC metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Brunswick County, NC; New Hanover County, NC; Pender County, NC. 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.