U.S. Bank, National Association: SBA Lending Record
What SBA's own loan files show about U.S. Bank, National Association as an SBA lender, and how a lender's record bears on a feasibility study.
The U.S. Bank, National Association record at a glance
Under U.S. Bank, National Association as holder, SBA lists 26,140 loans from FY2017 to FY2026. At U.S. Bank, National Association, dollar volume stands at $6.41 billion gross, over 26,140 loans. Each U.S. Bank, National Association figure covers loans held, 26,140, now or earlier. SBA guarantees them; U.S. Bank, National Association does not. Every U.S. Bank, National Association loan on file is 7(a), 26,140 in all; none are 504. U.S. Bank, National Association holder status: assigned now or last.
21,658 of 26,140 loans, held by U.S. Bank, National Association, sit in no listed asset class. At U.S. Bank, National Association, rows by class cover the remainder. U.S. Bank, National Association class rows start with full-service restaurant, 839 loans. After that, automotive mechanical repair at 599, beauty salon (445) and 431 loans in limited-service restaurant. Further down U.S. Bank, National Association: 299 in fitness center, coffee shop and snack bar with 228 loans and child care center at 224. U.S. Bank, National Association table: classes beyond these appear there.
U.S. Bank, National Association by state: California (8,472), 1,778 in Minnesota, Washington (1,603), 1,480 in Oregon, Illinois (1,455), 1,423 in Colorado, Ohio (1,333), 1,015 in Missouri and Nevada (933). California heads the U.S. Bank, National Association state list. Far down the list, U.S. Bank, National Association gives a project little local depth.
At U.S. Bank, National Association: cancellations and charge-offs
18.6%: the floor on cancellations, among U.S. Bank, National Association approvals from FY2017 to FY2024. Count undisbursed U.S. Bank, National Association loans as cancelled and the ceiling becomes 19.6%. Between 18.6% and 19.6% lie U.S. Bank, National Association approvals SBA still shows undisbursed. U.S. Bank, National Association: 6.4% is charged off, a floor, across 9,744 loans disbursed FY2017 to FY2021. U.S. Bank, National Association: 3.9% charged off within five years. U.S. Bank, National Association outcomes show; reasons do not. U.S. Bank, National Association cohort rates cover FY2017 to FY2021 disbursements. U.S. Bank, National Association: 18.6% is a floor, 26,140 loans notwithstanding, not a forecast. U.S. Bank, National Association rates stay floors; 26,140 loans could still lift 18.6%.
U.S. Bank, National Association: a borrower's view
For U.S. Bank, National Association, a bank or lender, 26,140 loans sit in SBA records. Nothing in U.S. Bank, National Association rows states what U.S. Bank, National Association asks of an applicant. For U.S. Bank, National Association, weigh automotive mechanical repair, 26,140 loans deep, and the project against Minnesota. Sources beside U.S. Bank, National Association should be listed in the study, 26,140 loans or not.
26,140 loans at U.S. Bank, National Association: context only. For U.S. Bank, National Association, a project proves itself alone in California. 26,140 loans at U.S. Bank, National Association set no automotive mechanical repair demand; Minnesota conditions decide it, not U.S. Bank, National Association. Test cost line by line, 26,140 loans set aside. 26,140 loans give U.S. Bank, National Association breadth, not depth. 26,140 loans or one, a margin must absorb 18.6% at least, U.S. Bank, National Association aside. U.S. Bank, National Association aside, debt service coverage keeps 18.6% in view, on stabilized income. Collateral for U.S. Bank, National Association rests on the appraisal. U.S. Bank, National Association: a study delivers a file, never approval.
SBA loans held by U.S. Bank, 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 | 26,140 |
|---|---|
| Gross dollars approved | $6.41 billion |
| SBA 7(a) loans | 26,140 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 18.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 19.6% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 6.4% |
| Charged off within five years of approval | 3.9% |
| Loans in that cohort | 9,744 |
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 | 21,658 |
| Full-service restaurant | 839 |
| Automotive mechanical repair (car and truck) | 599 |
| Beauty salon | 445 |
| Limited-service restaurant | 431 |
| Fitness center | 299 |
| Coffee shop and snack bar | 228 |
| Child care center | 224 |
| Dental office | 223 |
| Medical office (physicians) | 212 |
| Liquor store | 156 |
| Grocery store | 125 |
| Caterers (includes banquet halls with catering staff) | 119 |
| Car wash | 97 |
| Rehabilitation and therapy clinic | 83 |
| Veterinary clinic | 52 |
| Gas station and truck stop | 49 |
| Data center | 43 |
| Hotel and motel | 31 |
| Behavioral health and addiction treatment | 31 |
| Beverage manufacturing (breweries, wineries, distilleries) | 30 |
| Nonresidential lessor (flex, office and retail investor buildings) | 28 |
| Warehouse and distribution | 19 |
| Self storage | 15 |
| Assisted living (without nursing care) | 15 |
| School (elementary and secondary, including charter) | 15 |
| Skilled nursing | 13 |
| Diagnostic imaging center | 8 |
| Manufactured housing community (lessors of other real estate) | 7 |
| Land subdivision | 7 |
| Life science lab (research and development) | 7 |
| Multifamily (lessors of residential buildings) | 6 |
| RV park and campground | 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 | 8,472 |
| Minnesota | 1,778 |
| Washington | 1,603 |
| Oregon | 1,480 |
| Illinois | 1,455 |
| Colorado | 1,423 |
| Ohio | 1,333 |
| Missouri | 1,015 |
| Nevada | 933 |
| Wisconsin | 868 |
| Tennessee | 828 |
| Arizona | 724 |
| Kentucky | 585 |
| Utah | 580 |
| Idaho | 453 |
| Iowa | 416 |
| Arkansas | 246 |
| Nebraska | 233 |
| Kansas | 231 |
| New Mexico | 220 |
| Texas | 178 |
| Indiana | 174 |
| Montana | 152 |
| North Carolina | 119 |
| North Dakota | 104 |
| South Dakota | 93 |
| Florida | 90 |
| Wyoming | 72 |
| Georgia | 45 |
| Michigan | 37 |
| New York | 27 |
| South Carolina | 26 |
| Pennsylvania | 25 |
| New Jersey | 24 |
| Virginia | 15 |
| Maryland | 14 |
| Alabama | 13 |
| Oklahoma | 13 |
| Louisiana | 8 |
| Massachusetts | 7 |
| Hawaii | 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-6548.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
- The Huntington National Bank: SBA Lending Record
- JPMorgan Chase Bank, National Association: SBA Lending Record
- United Midwest Savings Bank National Association: SBA Lending Record
- KeyBank National Association: SBA Lending Record
- Fifth Third Bank: SBA Lending Record
- First Financial Bank (OH): SBA Lending Record
- Growth Capital Corp.: SBA Lending Record
- Telhio Credit Union Inc: SBA Lending Record
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