States › California › San Joaquin County
County17th of 58 in California by approvalsFIPS 06077
SBA loans in San Joaquin 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 San Joaquin County, California, received 578 SBA loan approvals worth $525M in FY2021 to FY2025 (478 7(a), 100 504).
That is 42.4 approvals per 1,000 business establishments (13,638 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 17th of 58 California counties with approvals. In FY2025 there were 144, up 12% on FY2024.
88 lenders had approvals here; the most active were U.S. Bank, National Association (60), Wells Fargo Bank National Association (41) and Northeast Bank (32). The most common industry was general freight trucking.
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 San Joaquin County
By number of approvals to businesses in the county, FY2021–FY2025; 88 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 60 | $16.1M | 10.4% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 41 | $10.5M | 7.1% | |
| 3 | Northeast BankLewiston, ME | 32 | $4.9M | 5.5% | |
| 4 | Success Capital Expansion & Development CorporationModesto, CA · CDC | 28 | $32.9M | 4.8% | |
| 5 | Mortgage Capital Development CorporationOakland, CA · CDC | 25 | $50.7M | 4.3% | |
| 6 | Enterprise Bank & TrustClayton, MO | 21 | $27.8M | 3.6% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 21 | $4.9M | 3.6% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 19 | $9.5M | 3.3% | |
| 9 | Bank of America, National AssociationCharlotte, NC | 19 | $4.6M | 3.3% | |
| 10 | The Huntington National BankColumbus, OH | 17 | $5.3M | 2.9% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 16 | $4.6M | 2.8% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 15 | $25.8M | 2.6% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 12 | $14.5M | 2.1% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 12 | $3.8M | 2.1% | |
| 15 | Harvest Small Business Finance, LLCLaguna Hills, CA | 11 | $9.2M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 65 | 11.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 46 | 8.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 31 | 5.4% | |
| 4 | Traveler AccommodationNAICS 7211 | 16 | 2.8% | |
| 5 | Gasoline StationsNAICS 4571 | 16 | 2.8% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 2.4% | |
| 7 | Grocery StoresNAICS 4451 | 13 | 2.2% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 12 | 2.1% | |
| 9 | Residential Building ConstructionNAICS 2361 | 11 | 1.9% | |
| 10 | Personal Care ServicesNAICS 8121 | 11 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 101 | 17.5% | |
| 2 | Transportation and Warehousing | 88 | 15.2% | |
| 3 | Accommodation and Food Services | 66 | 11.4% | |
| 4 | Construction | 62 | 10.7% | |
| 5 | Other Services (except Public Administration) | 55 | 9.5% | |
| 6 | Health Care and Social Assistance | 52 | 9.0% | |
| 7 | Manufacturing | 31 | 5.4% | |
| 8 | Wholesale Trade | 29 | 5.0% |
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* | 56 | $48.1M | $350K | 10 | $8.0M | 66 | 492 |
| FY2025 | 127 | $69.8M | $250K | 17 | $34.8M | 144 | 1,642 |
| FY2024 | 106 | $59.7M | $262K | 23 | $30.4M | 129 | 2,189 |
| FY2023 | 67 | $44.9M | $150K | 12 | $30.8M | 79 | 573 |
| FY2022 | 70 | $79.1M | $582K | 22 | $40.4M | 92 | 1,227 |
| FY2021 | 108 | $109M | $459K | 26 | $26.3M | 134 | 1,820 |
| FY2020 | 96 | $74.9M | $402K | 15 | $21.0M | 111 | 1,499 |
| FY2019 | 77 | $76.4M | $485K | 8 | $10.9M | 85 | 1,012 |
| FY2018 | 95 | $68.2M | $340K | 23 | $26.3M | 118 | 1,391 |
| FY2017 | 134 | $73.9M | $250K | 18 | $13.2M | 152 | 1,785 |
| FY2016 | 94 | $52.4M | $245K | 11 | $9.2M | 105 | 1,213 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 571 approvals.
Against California and the country
| FY2021–FY2025 | San Joaquin County | California | United States |
|---|---|---|---|
| Approvals | 578 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 42.4 | 40.8 | 41.0 |
| Median 7(a) approval | $348K | $250K | $190K |
| Median 504 approval | $906K | $884K | $657K |
| Average approval | $908K | $733K | $573K |
| 504 share of approvals | 17.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 12.9 | 11.0 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less17.8%103
- $50,001 to $150,00014.4%83
- $150,001 to $350,00015.6%90
- $350,001 to $1 million27.0%156
- $1 million to $2 million12.5%72
- Over $2 million12.8%74
Age of the businesses
- Existing, more than 2 years old62.1%359
- New business, 2 years or less18.7%108
- Startup, loan funds will open the business9.9%57
- Change of ownership9.3%54
Questions and answers
Which lenders make the most SBA loans in San Joaquin County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (60), Wells Fargo Bank National Association (41), Northeast Bank (32), Success Capital Expansion & Development Corporation (28), Mortgage Capital Development Corporation (25). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in San Joaquin County?
The median 7(a) approval was $348K and the median 504 approval $906K; the California 7(a) median was $250K.
Which industries get the most SBA loans in San Joaquin County?
General Freight Trucking (65); Restaurants and Other Eating Places (46); Automotive Repair and Maintenance (31); Traveler Accommodation (16); Gasoline Stations (16).
Is SBA lending in San Joaquin County rising?
Approvals in the three latest complete fiscal years total 352, against 337 in the three before: broadly level (+4%).
How does San Joaquin County compare with the rest of California?
42.4 approvals per 1,000 establishments against 40.8 statewide, and 578 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