SBA Lenders in California
Top lenders ranked by real SBA lending data. See who's most active in California across deal count, loan size, and pricing.
What Borrowers Should Know
California's median 7(a) spread of P+2.27% is 48 basis points lower than the national median of P+2.75%. This means borrowers here pay roughly $4,850 less per year on a $500,000 loan, suggesting either stronger competition among the 378 active lenders or faster loan processing that reduces lender risk.
Three lenders (U.S. Bank, JPMorgan Chase, and Wells Fargo) control 3,854 of 9,095 deals—42% of the entire market. This concentration means you'll likely work with one of these giants, which offers stability and efficiency but limits your ability to negotiate terms with smaller, more flexible lenders.
California's average deal size of $485,736 is notably tight clustering around the median SBA 7(a) cap of $5 million, indicating the state has few mega-deals relative to other regions. If you need exactly $500k, you fit the market perfectly. If you need $2M+, you may face pricing pressure since larger loans are less common here.
Total SBA Loans
9,074
Active Lenders
306
Avg Deal Size
$485K
Total Volume
$4.4B
Top 10 Lenders in California
Ranked by total deal count across all SBA programs.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | Bank | 1,568 | $160K | P + 1.50%COMPETITIVE | |
| 2 | JPMorgan Chase Bank, National Association | Bank | 762 | $238K | P + 1.63%GOOD | |
| 3 | Wells Fargo Bank National Association | Bank | 733 | $428K | P + 1.77%GOOD | |
| 4 | Mortgage Capital Development C | CDC/504 | 321 | $931K | — | |
| 5 | CDC Small Business Finance Cor | CDC/504 | 312 | $737K | — | |
| 6 | Zions Bank, A Division of | Bank | 200 | $353K | P + 2.56%AVERAGE | |
| 7 | Columbia Bank | Bank | 193 | $564K | P + 2.50%AVERAGE | |
| 8 | Bank of America, National Association | Bank | 187 | $439K | P + 1.00%COMPETITIVE | |
| 9 | BMO Bank National Association | Bank | 183 | $774K | P + 0.88%COMPETITIVE | |
| 10 | California Statewide Certified | CDC/504 | 173 | $807K | — |
Top Industries in California
SBA lending activity by industry segment.