Bank of America, National Association: SBA Lending Record
What SBA's own loan files show about Bank of America, National Association as an SBA lender, and how a lender's record bears on a feasibility study.
Loans held and dollars at Bank of America, National Association
5,414 loans, approved FY2017 to FY2026, have Bank of America, National Association as SBA-listed holder. Bank of America, National Association loans reach $2.84 billion in gross approved dollars. SBA, not Bank of America, National Association, guarantees each of the 5,414 loans held, now or earlier, by Bank of America, National Association. SBA tags 5,414 as 7(a), none 504, under Bank of America, National Association. Bank of America, National Association appears as holder, current or last.
5,414 loans sit at Bank of America, National Association, 4,179 with no tracked class; the others fill Bank of America, National Association class rows. Bank of America, National Association rows put dental office first, 246 of 5,414 loans. Then full-service restaurant (202), 136 loans in medical office and 134 in child care center. Further down Bank of America, National Association: automotive mechanical repair with 107 loans, limited-service restaurant at 71 and veterinary clinic (58). Dental office: across 5,414 loans, check Bank of America, National Association for it.
Bank of America, National Association opens geographically with California (1,249), 1,074 in Florida, Texas (485), 260 in New York, Georgia (202), 191 in Illinois, Washington (189), 184 in Massachusetts and North Carolina (184). California holds the largest share, 1,249 loans. Far down the list, Bank of America, National Association gives a project little local depth.
Bank of America, National Association: floors on cancelled and charged-off loans
Bank of America, National Association approvals, FY2017 to FY2024: 15.2%, at least, were cancelled after approval. 15.2% is the ceiling as well, so Bank of America, National Association undisbursed loans change nothing. Among 1,181 loans disbursed FY2017 to FY2021, Bank of America, National Association has 1.5% charged off, a floor. Bank of America, National Association: 0.68% charged off within five years. Bank of America, National Association outcomes show; reasons do not. Bank of America, National Association cohort rates cover FY2017 to FY2021 disbursements. Bank of America, National Association: 15.2% is a floor, 5,414 loans notwithstanding, not a forecast. Bank of America, National Association loans keep seasoning, 5,414 of them; 15.2%, a floor, may climb.
Bank of America, National Association in a study
Bank of America, National Association, a bank or lender, comes with 5,414 loans of background. Bank of America, National Association credit standards stay undescribed. At Bank of America, National Association, weigh California then dental office, 5,414 loans deep, against the project. Bank of America, National Association: other sources go in the study.
5,414 loans replace nothing in the study; $2.84 billion gross at Bank of America, National Association informs it only. Dental office demand: 5,414 loans at Bank of America, National Association set none; California conditions decide, not Bank of America, National Association. Budget lines meet raised funds, 5,414 loans staying aside. 5,414 loans give Bank of America, National Association breadth, not depth. For Bank of America, National Association, a margin that survives 15.2%, and more, serves the study. Bank of America, National Association aside, debt service coverage keeps a 15.2% floor in view. Collateral for Bank of America, National Association rests on the appraisal. Bank of America, National Association: no study promises approval; 5,414 loans or none, it prepares the file.
SBA loans held by Bank of America, National Association
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 5,414 |
|---|---|
| Gross dollars approved | $2.84 billion |
| SBA 7(a) loans | 5,414 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 15.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 15.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 1.5% |
| Charged off within five years of approval | 0.68% |
| Loans in that cohort | 1,181 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 4,179 |
| Dental office | 246 |
| Full-service restaurant | 202 |
| Medical office (physicians) | 136 |
| Child care center | 134 |
| Automotive mechanical repair (car and truck) | 107 |
| Limited-service restaurant | 71 |
| Veterinary clinic | 58 |
| Rehabilitation and therapy clinic | 51 |
| Beauty salon | 39 |
| Coffee shop and snack bar | 36 |
| Fitness center | 34 |
| Grocery store | 28 |
| Data center | 21 |
| Diagnostic imaging center | 10 |
| Liquor store | 10 |
| Warehouse and distribution | 9 |
| Caterers (includes banquet halls with catering staff) | 8 |
| Nonresidential lessor (flex, office and retail investor buildings) | 7 |
| Life science lab (research and development) | 7 |
| School (elementary and secondary, including charter) | 6 |
| Gas station and truck stop | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| California | 1,249 |
| Florida | 1,074 |
| Texas | 485 |
| New York | 260 |
| Georgia | 202 |
| Illinois | 191 |
| Washington | 189 |
| Massachusetts | 184 |
| North Carolina | 184 |
| New Jersey | 159 |
| Arizona | 148 |
| Virginia | 130 |
| Maryland | 108 |
| Nevada | 102 |
| Michigan | 85 |
| Tennessee | 75 |
| South Carolina | 70 |
| Pennsylvania | 69 |
| Connecticut | 65 |
| Colorado | 51 |
| Oregon | 48 |
| Missouri | 45 |
| Rhode Island | 28 |
| Ohio | 24 |
| Oklahoma | 18 |
| District of Columbia | 17 |
| New Hampshire | 16 |
| Indiana | 15 |
| Kansas | 15 |
| New Mexico | 13 |
| Utah | 13 |
| Arkansas | 12 |
| Minnesota | 11 |
| Louisiana | 10 |
| Idaho | 8 |
| Wisconsin | 8 |
| Maine | 6 |
| Alabama | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-3510.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- Live Oak Banking Company: SBA Lending Record
- Truist Bank: SBA Lending Record
- First-Citizens Bank & Trust Company: SBA Lending Record
- First Bank (NC): SBA Lending Record
- HomeTrust Bank: SBA Lending Record
- Business Expansion Funding Corporation: SBA Lending Record
- North State Bank: SBA Lending Record
- Truliant FCU: SBA Lending Record
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