Lenders › Mission Valley Bank
7(a) lenderSun Valley, CaliforniaFDIC-insured bank138th of 2,184 by approvals
Mission Valley 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 Valley Bank (Sun Valley, California) is an FDIC-insured bank in the SBA 7(a) program, 138th of 2,184 by approvals in FY2021 to FY2025: 266 loans worth $441M.
In FY2025, the latest complete fiscal year, it had 68 approvals totalling $116M, down 13% on FY2024 (78). FY2026 to 30 Jun 2026 adds 36 more.
The median approval was $1.1M, against $190K for the 7(a) program as a whole; 0.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 31 states and territories and 108 counties, led by California (57.5%), Texas (7.1%) and Arizona (5.3%). The largest industry group was accommodation and food services at 26.7% of approvals, and 27.4% of approvals were to franchise businesses.
Of 172 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (2.9%), 109 as paid in full and 58 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* | 36 | $56.0M | $1.4M | $1.6M | 511 |
| FY2025 | 68 | $116M | $949K | $1.7M | 1,088 |
| FY2024 | 78 | $125M | $995K | $1.6M | 1,321 |
| FY2023 | 38 | $51.7M | $876K | $1.4M | 573 |
| FY2022 | 43 | $89.0M | $1.8M | $2.1M | 765 |
| FY2021 | 39 | $59.2M | $1.2M | $1.5M | 615 |
| FY2020 | 7 | $9.2M | $1.0M | $1.3M | 171 |
| FY2019 | 14 | $15.3M | $332K | $1.1M | 328 |
| FY2018 | 15 | $8.8M | $258K | $587K | 137 |
| FY2017 | 27 | $41.6M | $1.4M | $1.5M | 683 |
| FY2016 | 31 | $57.5M | $1.7M | $1.9M | 485 |
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 94 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 | 195 | 79,249 | 639,905 |
| Cancelled or never disbursed | 23 | 10,102 | 79,313 |
| Disbursed loans | 172 | 69,147 | 560,592 |
| Paid in full | 109 | 52,688 | 435,813 |
| Charged off | 5 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 58 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 2.9% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.8% | 1.5% | 2.5% |
| Dollars charged off | $3.9M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 37 | 12 | 0 | 0.0% | 2.8% |
| FY2020 | 6 | 3 | 0 | — | 4.0% |
| FY2019 | 12 | 5 | 0 | — | 6.7% |
| FY2018 | 11 | 6 | 0 | — | 7.9% |
| FY2017 | 24 | 14 | 3 | — | 7.7% |
| FY2016 | 25 | 17 | 2 | — | 7.2% |
| FY2015 | 17 | 14 | 0 | — | 6.9% |
| FY2014 | 9 | 9 | 0 | — | 6.4% |
| FY2013 | 9 | 8 | 0 | — | 6.0% |
| FY2012 | 12 | 11 | 0 | — | 6.3% |
| FY2011 | 4 | 4 | 0 | — | 6.9% |
| FY2010 | 6 | 6 | 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 | $1.1M | $190K |
| Average approval | $1.7M | $518K |
| Approvals of $150,000 or less | 0.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 21.1% | 34.3% |
| Approvals to franchise businesses | 27.4% | 11.5% |
| Jobs supported per approval, as reported | 16.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.9% | 6.6% |
States served
| # | State of the business (31 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 153 | $243M | 57.5% | |
| 2 | Texas | 19 | $47.9M | 7.1% | |
| 3 | Arizona | 14 | $28.6M | 5.3% | |
| 4 | Washington | 8 | $9.5M | 3.0% | |
| 5 | Florida | 8 | $4.7M | 3.0% | |
| 6 | Ohio | 7 | $12.2M | 2.6% | |
| 7 | Georgia | 5 | $8.3M | 1.9% | |
| 8 | New Jersey | 4 | $6.6M | 1.5% | |
| 9 | Oregon | 4 | $6.0M | 1.5% | |
| 10 | Idaho | 3 | $8.8M | 1.1% | |
| 11 | Colorado | 3 | $7.0M | 1.1% | |
| 12 | Indiana | 3 | $6.8M | 1.1% |
In California the lender accounts for 0.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (108 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 55 | $88.3M | 20.7% | |
| 2 | San Diego County, CA | 17 | $18.1M | 6.4% | |
| 3 | Orange County, CA | 13 | $9.4M | 4.9% | |
| 4 | San Bernardino County, CA | 11 | $21.9M | 4.1% | |
| 5 | Riverside County, CA | 9 | $19.0M | 3.4% | |
| 6 | Maricopa County, AZ | 8 | $18.6M | 3.0% | |
| 7 | Contra Costa County, CA | 7 | $14.0M | 2.6% | |
| 8 | Nueces County, TX | 5 | $17.3M | 1.9% | |
| 9 | Placer County, CA | 5 | $8.3M | 1.9% | |
| 10 | Dallas County, TX | 4 | $8.3M | 1.5% | |
| 11 | Fresno County, CA | 4 | $6.5M | 1.5% | |
| 12 | Tehama County, CA | 4 | $2.1M | 1.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 71 | 26.7% | |
| 2 | Retail Trade | 42 | 15.8% | |
| 3 | Health Care and Social Assistance | 32 | 12.0% | |
| 4 | Other Services (except Public Administration) | 31 | 11.7% | |
| 5 | Construction | 22 | 8.3% | |
| 6 | Professional, Scientific, and Technical Services | 17 | 6.4% | |
| 7 | Wholesale Trade | 11 | 4.1% | |
| 8 | Transportation and Warehousing | 9 | 3.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 37 | 13.9% | |
| 2 | Traveler AccommodationNAICS 7211 | 31 | 11.7% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 13 | 4.9% | |
| 4 | Gasoline StationsNAICS 4571 | 12 | 4.5% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 4.1% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 2.6% | |
| 7 | Personal Care ServicesNAICS 8121 | 7 | 2.6% | |
| 8 | Furniture and Home Furnishings RetailersNAICS 4491 | 7 | 2.6% | |
| 9 | Offices of PhysiciansNAICS 6211 | 6 | 2.3% | |
| 10 | Death Care ServicesNAICS 8122 | 6 | 2.3% |
Approval sizes
- $50,001 to $150,0000.4%1
- $150,001 to $350,00010.2%27
- $350,001 to $1 million37.2%99
- $1 million to $2 million21.8%58
- Over $2 million30.5%81
Loan terms
- Over 5 to 10 years36.8%98
- Over 10 to 20 years8.6%23
- Over 20 years54.5%145
Age of the businesses
- Existing, more than 2 years old50.4%134
- New business, 2 years or less10.9%29
- Startup, loan funds will open the business10.2%27
- Change of ownership28.2%75
- Not answered0.4%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 236 | 88.7% | |
| 2 | 7a General | 20 | 7.5% | |
| 3 | International Trade Loans | 8 | 3.0% | |
| 4 | SBA Express Program | 2 | 0.8% |
Franchise share
73 of 266 approvals in FY2021–FY2025 (27.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Budget Blinds | 16 | 6.0% | |
| 2 | Motel 6 | 4 | 1.5% | |
| 3 | Wendy's | 3 | 1.1% | |
| 4 | Best Western | 3 | 1.1% | |
| 5 | Bruster's Real Ice Cream | 3 | 1.1% | |
| 6 | Dunkin' Donut | 3 | 1.1% | |
| 7 | Comfort Inn | 2 | 0.8% | |
| 8 | Homewood Suites by Hilton | 2 | 0.8% |
Questions and answers
How many SBA loans does Mission Valley Bank make?
SBA approved 68 7(a) loans through Mission Valley Bank in FY2025, worth $116M, and 266 over FY2021 to FY2025. That ranks 138th of 2,184 active 7(a) lenders by number of approvals.
How large are Mission Valley Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.1M and the average $1.7M. The program-wide median was $190K.
What is Mission Valley Bank's charge-off rate?
Of 172 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (2.9%), 109 as paid in full and 58 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 Valley Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (37); traveler accommodation (31); other specialty trade contractors (13); gasoline stations (12).
Where does Mission Valley Bank make SBA loans?
In 31 states and territories. California 153, Texas 19, Arizona 14, Washington 8, Florida 8. In California it accounts for 0.4% of all 7(a) approvals.
Is Mission Valley Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 184, against 89 in the three before: rising (+107%).
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