Lenders › Mission Bank
7(a) lenderBakersfield, CaliforniaFDIC-insured bank369th of 2,184 by approvals
Mission Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Mission Bank, based in Bakersfield, California, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 82 of its 7(a) loans worth $62.7M in FY2021 to FY2025, which places it 369th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 20 approvals totalling $12.9M, about level with FY2024 (20). FY2026 to 30 Jun 2026 adds 15 more.
The median approval was $470K, against $190K for the 7(a) program as a whole; 12.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 17 counties, led by California (98.8%) and Arizona (1.2%). The largest industry group was accommodation and food services at 22.0% of approvals, and 15.9% of approvals were to franchise businesses.
Of 47 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 36 as paid in full and 11 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 15 | $8.2M | $225K | $548K | 269 |
| FY2025 | 20 | $12.9M | $475K | $647K | 635 |
| FY2024 | 20 | $21.0M | $715K | $1.1M | 381 |
| FY2023 | 20 | $17.9M | $570K | $893K | 394 |
| FY2022 | 15 | $7.7M | $250K | $512K | 321 |
| FY2021 | 7 | $3.2M | $302K | $462K | 79 |
| FY2020 | 21 | $15.9M | $403K | $758K | 331 |
| FY2019 | 8 | $13.6M | $1.1M | $1.7M | 265 |
| FY2018 | 7 | $6.9M | $1.2M | $983K | 107 |
| FY2017 | 6 | $4.3M | $545K | $723K | 127 |
| FY2016 | 2 | — | — | — | 139 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 44 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 57 | 79,249 | 639,905 |
| Cancelled or never disbursed | 10 | 10,102 | 79,313 |
| Disbursed loans | 47 | 69,147 | 560,592 |
| Paid in full | 36 | 52,688 | 435,813 |
| Charged off | 0 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 11 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 0.0% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.0% | 1.5% | 2.5% |
| Dollars charged off | $0 | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 5 | 3 | 0 | — | 2.8% |
| FY2020 | 16 | 12 | 0 | — | 4.0% |
| FY2019 | 7 | 5 | 0 | — | 6.7% |
| FY2018 | 6 | 3 | 0 | — | 7.9% |
| FY2017 | 6 | 6 | 0 | — | 7.7% |
| FY2016 | 2 | 2 | 0 | — | 7.2% |
| FY2015 | 3 | 3 | 0 | — | 6.9% |
| FY2014 | 1 | 1 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 0 | 0 | 0 | — | 6.9% |
| FY2010 | 1 | 1 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $470K | $190K |
| Average approval | $765K | $518K |
| Approvals of $150,000 or less | 12.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 34.1% | 34.3% |
| Approvals to franchise businesses | 15.9% | 11.5% |
| Jobs supported per approval, as reported | 22.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.0% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 81 | $59.4M | 98.8% | |
| 2 | Arizona | 1 | — | 1.2% |
In California the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Ventura County, CA | 32 | $18.6M | 39.0% | |
| 2 | Kern County, CA | 11 | $8.5M | 13.4% | |
| 3 | San Luis Obispo County, CA | 7 | $4.6M | 8.5% | |
| 4 | Tulare County, CA | 6 | $5.3M | 7.3% | |
| 5 | Los Angeles County, CA | 6 | $4.0M | 7.3% | |
| 6 | Fresno County, CA | 3 | $1.7M | 3.7% | |
| 7 | San Diego County, CA | 3 | $1.4M | 3.7% | |
| 8 | Santa Clara County, CA | 3 | $1.4M | 3.7% | |
| 9 | San Joaquin County, CA | 2 | — | 2.4% | |
| 10 | Alameda County, CA | 2 | — | 2.4% | |
| 11 | Stanislaus County, CA | 1 | — | 1.2% | |
| 12 | Merced County, CA | 1 | — | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 18 | 22.0% | |
| 2 | Construction | 12 | 14.6% | |
| 3 | Arts, Entertainment, and Recreation | 7 | 8.5% | |
| 4 | Real Estate and Rental and Leasing | 7 | 8.5% | |
| 5 | Other Services (except Public Administration) | 6 | 7.3% | |
| 6 | Health Care and Social Assistance | 6 | 7.3% | |
| 7 | Retail Trade | 5 | 6.1% | |
| 8 | Transportation and Warehousing | 5 | 6.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 17 | 20.7% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 8.5% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 5 | 6.1% | |
| 4 | Activities Related to Real EstateNAICS 5313 | 5 | 6.1% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 4.9% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 2 | 2.4% | |
| 7 | Support Activities for Road TransportationNAICS 4884 | 2 | 2.4% | |
| 8 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 2 | 2.4% | |
| 9 | Medical and Diagnostic LaboratoriesNAICS 6215 | 2 | 2.4% | |
| 10 | Child Day Care ServicesNAICS 6244 | 2 | 2.4% |
Approval sizes
- $50,000 or less1.2%1
- $50,001 to $150,00011.0%9
- $150,001 to $350,00030.5%25
- $350,001 to $1 million37.8%31
- $1 million to $2 million12.2%10
- Over $2 million7.3%6
Loan terms
- Over 5 to 10 years76.8%63
- Over 10 to 20 years2.4%2
- Over 20 years20.7%17
Age of the businesses
- Existing, more than 2 years old47.6%39
- New business, 2 years or less12.2%10
- Startup, loan funds will open the business22.0%18
- Change of ownership17.1%14
- Not answered1.2%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 68 | 82.9% | |
| 2 | SBA Express Program | 9 | 11.0% | |
| 3 | 7a General | 5 | 6.1% |
Franchise share
13 of 82 approvals in FY2021–FY2025 (15.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Jimmy John's | 2 | 2.4% | |
| 2 | F45 Training | 2 | 2.4% | |
| 3 | Circle K Convenience Store & Motor Fuel Franchise | 1 | 1.2% | |
| 4 | Circle K | 1 | 1.2% | |
| 5 | Wendy's | 1 | 1.2% | |
| 6 | Roll Em Up Taquitos | 1 | 1.2% | |
| 7 | KidStrong | 1 | 1.2% | |
| 8 | Jersey Mike’s Subs | 1 | 1.2% |
Questions and answers
How many SBA loans does Mission Bank make?
SBA approved 20 7(a) loans through Mission Bank in FY2025, worth $12.9M, and 82 over FY2021 to FY2025. That ranks 369th of 2,184 active 7(a) lenders by number of approvals.
How large are Mission Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $470K and the average $765K. The program-wide median was $190K.
What is Mission Bank's charge-off rate?
Of 47 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 36 as paid in full and 11 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Mission Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (17); other amusement and recreation industries (7); building equipment contractors (5); activities related to real estate (5).
Where does Mission Bank make SBA loans?
In 2 states and territories. California 81, Arizona 1. In California it accounts for 0.2% of all 7(a) approvals.
Is Mission Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 60, against 43 in the three before: rising (+40%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error