States › California › Contra Costa County
County9th of 58 in California by approvalsFIPS 06013
SBA loans in Contra Costa County, California
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Contra Costa County, California, received 1,044 SBA loan approvals worth $632M in FY2021 to FY2025 (901 7(a), 143 504).
That is 40.3 approvals per 1,000 business establishments (25,932 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 9th of 58 California counties with approvals. In FY2025 there were 290, up 19% on FY2024.
111 lenders had approvals here; the most active were U.S. Bank, National Association (118), Wells Fargo Bank National Association (82) and Mortgage Capital Development Corporation (66). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Contra Costa County
By number of approvals to businesses in the county, FY2021–FY2025; 111 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 118 | $31.3M | 11.3% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 82 | $18.1M | 7.9% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 66 | $77.8M | 6.3% | |
| 4 | Northeast BankLewiston, ME | 52 | $7.9M | 5.0% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 45 | $7.8M | 4.3% | |
| 6 | The Huntington National BankColumbus, OH | 44 | $10.3M | 4.2% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 40 | $18.4M | 3.8% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 37 | $6.8M | 3.5% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 36 | $49.0M | 3.4% | |
| 10 | Bay Area Employment Development CompanyConcord, CA · CDC | 34 | $39.5M | 3.3% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 33 | $7.7M | 3.2% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 26 | $10.1M | 2.5% | |
| 13 | Lendistry SBLC, LLCLos Angeles, CA | 23 | $3.8M | 2.2% | |
| 14 | BMO Bank National AssociationChicago, IL | 19 | $18.6M | 1.8% | |
| 15 | Newtek Small Business Finance, Inc.Lake Success, NY | 18 | $14.5M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 93 | 8.9% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 41 | 3.9% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 39 | 3.7% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 32 | 3.1% | |
| 5 | Grocery StoresNAICS 4451 | 30 | 2.9% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 30 | 2.9% | |
| 7 | Child Day Care ServicesNAICS 6244 | 29 | 2.8% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 29 | 2.8% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 28 | 2.7% | |
| 10 | Personal Care ServicesNAICS 8121 | 28 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 155 | 14.8% | |
| 2 | Construction | 142 | 13.6% | |
| 3 | Retail Trade | 132 | 12.6% | |
| 4 | Professional, Scientific, and Technical Services | 121 | 11.6% | |
| 5 | Accommodation and Food Services | 110 | 10.5% | |
| 6 | Other Services (except Public Administration) | 88 | 8.4% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 67 | 6.4% | |
| 8 | Manufacturing | 49 | 4.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 134 | $73.3M | $250K | 18 | $22.0M | 152 | 1,540 |
| FY2025 | 271 | $106M | $180K | 19 | $18.5M | 290 | 2,982 |
| FY2024 | 221 | $87.0M | $150K | 22 | $17.5M | 243 | 2,738 |
| FY2023 | 154 | $75.8M | $200K | 28 | $33.4M | 182 | 1,889 |
| FY2022 | 113 | $71.5M | $320K | 39 | $51.4M | 152 | 1,276 |
| FY2021 | 142 | $137M | $500K | 35 | $33.0M | 177 | 1,905 |
| FY2020 | 123 | $79.6M | $306K | 33 | $31.1M | 156 | 1,462 |
| FY2019 | 134 | $66.5M | $317K | 27 | $20.3M | 161 | 1,536 |
| FY2018 | 180 | $98.1M | $250K | 25 | $24.4M | 205 | 2,106 |
| FY2017 | 186 | $91.8M | $250K | 25 | $24.3M | 211 | 2,058 |
| FY2016 | 235 | $89.5M | $100K | 28 | $29.3M | 263 | 1,889 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 996 approvals.
Against California and the country
| FY2021–FY2025 | Contra Costa County | California | United States |
|---|---|---|---|
| Approvals | 1,044 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 40.3 | 40.8 | 41.0 |
| Median 7(a) approval | $230K | $250K | $190K |
| Median 504 approval | $727K | $884K | $657K |
| Average approval | $605K | $733K | $573K |
| 504 share of approvals | 13.7% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 10.3 | 11.0 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less22.6%236
- $50,001 to $150,00016.8%175
- $150,001 to $350,00018.5%193
- $350,001 to $1 million25.3%264
- $1 million to $2 million9.7%101
- Over $2 million7.2%75
Age of the businesses
- Existing, more than 2 years old61.2%639
- New business, 2 years or less19.0%198
- Startup, loan funds will open the business11.6%121
- Change of ownership7.9%82
- Not answered0.4%4
Questions and answers
Which lenders make the most SBA loans in Contra Costa County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (118), Wells Fargo Bank National Association (82), Mortgage Capital Development Corporation (66), Northeast Bank (52), BayFirst National Bank (45). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Contra Costa County?
The median 7(a) approval was $230K and the median 504 approval $727K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Contra Costa County?
Restaurants and Other Eating Places (93); Building Equipment Contractors (41); Automotive Repair and Maintenance (39); Offices of Other Health Practitioners (32); Grocery Stores (30).
Is SBA lending in Contra Costa County rising?
Approvals in the three latest complete fiscal years total 715, against 485 in the three before: rising (+47%).
How does Contra Costa County compare with the rest of California?
40.3 approvals per 1,000 establishments against 40.8 statewide, and 1,044 of the state's 42,016 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error