SBA Lenders in Kansas
Top lenders ranked by real SBA lending data. See who's most active in Kansas across deal count, loan size, and pricing.
What Borrowers Should Know
Kansas lenders are pricing 7(a) loans significantly cheaper than the national average. The median spread here is P+2.15% versus P+2.75% nationally—that's 60 basis points in your favor. With 70 active lenders competing for $965M in volume, this lower pricing likely reflects strong regional competition rather than weak demand. If you're shopping for a 7(a) loan, Kansas is a favorable market.
The top 5 lenders control roughly 1,320 of Kansas's 2,297 deals—57% of the market. U.S. Bank alone has 416 deals. This concentration means you have a few dominant players, but the remaining 65 lenders still represent real alternatives. If a major bank declines you, there's meaningful secondary capacity in the market rather than a cliff.
Kansas's average deal size is $420K, which is below the typical SBA 7(a) ceiling of $5M. This suggests the state's lending is tilted toward smaller businesses and agricultural operations rather than mid-market growth. If you're seeking a larger loan ($1M+), you may face tighter competition and potentially higher pricing than the state median implies.
Total SBA Loans
2,297
Active Lenders
69
Avg Deal Size
$420K
Total Volume
$964.4M
Top 10 Lenders in Kansas
Ranked by total deal count across all SBA programs.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | Bank | 149 | $128K | P + 2.50%AVERAGE | |
| 2 | UMB Bank, National Association | Bank | 67 | $320K | P + 1.65%GOOD | |
| 3 | Bank of Hays | Bank | 67 | $234K | P + 2.00%GOOD | |
| 4 | INTRUST Bank, National Association | Bank | 66 | $182K | P + 2.25%GOOD | |
| 5 | First Business Bank | Bank | 50 | $429K | P + 2.75%AVERAGE | |
| 6 | Commerce Bank | Bank | 50 | $140K | P + 1.75%GOOD | |
| 7 | Emprise Bank | Bank | 47 | $550K | P + 1.00%COMPETITIVE | |
| 8 | Community First National Bank | Bank | 42 | $148K | P + 2.25%GOOD | |
| 9 | Equity Bank | Bank | 40 | $410K | P + 1.93%GOOD | |
| 10 | First National Bank of Omaha | Bank | 39 | $330K | P + 2.25%GOOD |
Top Industries in Kansas
SBA lending activity by industry segment.