Commercial Bank of California: SBA Lending Record
What SBA's own loan files show about Commercial Bank of California as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's public loan files credit Commercial Bank of California with 354 loans approved from FY2017 to FY2026, for $476.6 million in gross dollars. The $476.6 million for Commercial Bank of California counts approved dollars, not balances. Commercial Bank of California holds all 354 loans under SBA 7(a). Commercial Bank of California has 0 loans under SBA 504. Commercial Bank of California holds or held every loan listed. 354 loans carry SBA's guarantee, not Commercial Bank of California's. Commercial Bank of California is the lender SBA shows holding 354 loans now, or last holding them. For Commercial Bank of California, the split means SBA 7(a) only: 354 loans. Here, Commercial Bank of California means the holder SBA names. Commercial Bank of California's 354 loans span FY2017 to FY2026 approvals.
Commercial Bank of California: asset classes and states
Classes for Commercial Bank of California begin with hotel and motel with 57 loans; limited-service restaurant with 17 loans; full-service restaurant with 16 loans. Outside those classes, the file credits Commercial Bank of California with 185 more loans. Commercial Bank of California's list shows a slice of 354 loans. Commercial Bank of California lists 57 loans in hotel and motel. Commercial Bank of California's state listing: California with 290 loans; New Jersey with 8 loans; Texas with 8 loans. Commercial Bank of California's sample for California sites is 290 loans. Commercial Bank of California's counts are a map only.
Commercial Bank of California: outcome floors
22.0% of Commercial Bank of California approvals, FY2017 to FY2024, were cancelled. For Commercial Bank of California, 22.0% is a floor. Commercial Bank of California's floor stops at FY2024 approvals. For Commercial Bank of California, 22.0% is the ceiling. The Commercial Bank of California ceiling counts undisbursed loans as cancelled. Commercial Bank of California: rates match, so the floor stands. Commercial Bank of California has no charge-off rate here. For Commercial Bank of California, under 30 loans means no rate. Commercial Bank of California: its disbursed cohort is small. Commercial Bank of California: a blank is not a zero.
Commercial Bank of California: the study comes first
Commercial Bank of California's $476.6 million and 354 loans are on record. At Commercial Bank of California, demand comes first: who pays? For Commercial Bank of California, cost is second; 354 loans do not replace a quote. For Commercial Bank of California, third is debt service coverage. Commercial Bank of California: 22.0% is a floor. At Commercial Bank of California, the appraisal comes last: 354 loans cannot set your value. Commercial Bank of California's record cannot settle cost. Here Commercial Bank of California is a holder, not a verdict. Commercial Bank of California's 354 loans state nothing about its requirements. Ask Commercial Bank of California directly. Test first, then compare with Commercial Bank of California's 354 loans. Ask Commercial Bank of California what a complete study contains.
SBA loans held by Commercial Bank of California
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 | 354 |
|---|---|
| Gross dollars approved | $476.6 million |
| SBA 7(a) loans | 354 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 22.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 22.0% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
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 | 185 |
| Hotel and motel | 57 |
| Limited-service restaurant | 17 |
| Full-service restaurant | 16 |
| Gas station and truck stop | 14 |
| Liquor store | 12 |
| Automotive mechanical repair (car and truck) | 10 |
| Child care center | 10 |
| Dental office | 6 |
| Medical office (physicians) | 6 |
| Behavioral health and addiction treatment | 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 | 290 |
| New Jersey | 8 |
| Texas | 8 |
| Nevada | 7 |
| Arizona | 5 |
| Washington | 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-57417.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- CDC Small Business Finance Corp.: SBA Lending Record
- The Mortgage Capital Development Corporation: SBA Lending Record
- Lendistry SBLC, LLC: SBA Lending Record
- Bank of Hope: SBA Lending Record
- Harvest Small Business Finance, LLC: SBA Lending Record
- Business Finance Capital: SBA Lending Record
- California Statewide Certified Development Corporation: SBA Lending Record
- Hanmi Bank: SBA Lending Record
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