Wilmington Savings Fund Society FSB: SBA Lending Record
What SBA's own loan files show about Wilmington Savings Fund Society FSB as an SBA lender, and how a lender's record bears on a feasibility study.
Wilmington Savings Fund Society FSB: loans and programs
Wilmington Savings Fund Society FSB stands at 1,238 approved loans and $989.4 million gross, FY2017 to FY2026. SBA, not Wilmington Savings Fund Society FSB, guarantees these 1,238 loans. Counts for Wilmington Savings Fund Society FSB describe records only. Wilmington Savings Fund Society FSB holds or held these 1,238 loans, as SBA records them. In SBA's file, Wilmington Savings Fund Society FSB sits in DE. All 1,238 loans at Wilmington Savings Fund Society FSB are 7(a); 0 are 504.
Asset classes and states in the Wilmington Savings Fund Society FSB book
Wilmington Savings Fund Society FSB has 680 loans, of 1,238, outside the classes tracked on this site. Across tracked classes, Wilmington Savings Fund Society FSB reads as follows: Full-service restaurant (125), Limited-service restaurant (100), Coffee shop and snack bar (55), Child care center (53), Liquor store (48), Fitness center (41), Beauty salon (28), Automotive mechanical repair (car and truck) (17), Grocery store (13), Hotel and motel (11). Rehabilitation and therapy clinic closes the class list with 5 loans. Anyone planning Full-service restaurant will find 125 loans on the record of Wilmington Savings Fund Society FSB. Wilmington Savings Fund Society FSB shows 100 loans in Limited-service restaurant, the next class. In Coffee shop and snack bar, Wilmington Savings Fund Society FSB shows 55 loans. New Jersey follows with 314 loans in the Wilmington Savings Fund Society FSB record. By state, Wilmington Savings Fund Society FSB begins Pennsylvania (568), New Jersey (314), Delaware (114), Maryland (78), Virginia (56), District of Columbia (16), California (11), Texas (11), Florida (8), Missouri (8). Ohio ends the state list at 5. Lender state in the file: DE, and the largest state by loans is Pennsylvania.
Wilmington Savings Fund Society FSB: cancellations and losses
For Wilmington Savings Fund Society FSB approvals from FY2017 to FY2024, 9.9% were cancelled after approval, a floor; and 12.8% as a ceiling that counts undisbursed loans. The charge-off floor for Wilmington Savings Fund Society FSB on FY2017 to FY2021 disbursements stands at 4.0%, from a cohort of 503 loans. Wilmington Savings Fund Society FSB shows 2.2% written off inside five years of approval. Wilmington Savings Fund Society FSB shows floors, not final rates, and further losses in the group can only raise it.
Using the Wilmington Savings Fund Society FSB record in a study
Full-service restaurant at Wilmington Savings Fund Society FSB starts with a look at demand. From there, a study of Limited-service restaurant needs to test cost, with 100 such loans on Wilmington Savings Fund Society FSB's record. Coverage of debt service is third, and $989.4 million across 1,238 loans at Wilmington Savings Fund Society FSB never settles it for any one project. Finally stands the appraisal, which no count of 55 Coffee shop and snack bar loans at Wilmington Savings Fund Society FSB replaces. Pennsylvania shows 568 loans and New Jersey shows 314 at Wilmington Savings Fund Society FSB, a local picture to read against the study. Wilmington Savings Fund Society FSB alone decides what it requires. No figure promises approval, and Wilmington Savings Fund Society FSB sets its own terms.
SBA loans held by Wilmington Savings Fund Society FSB
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 | 1,238 |
|---|---|
| Gross dollars approved | $989.4 million |
| SBA 7(a) loans | 1,238 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 9.9% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 12.8% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.0% |
| Charged off within five years of approval | 2.2% |
| Loans in that cohort | 503 |
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 | 680 |
| Full-service restaurant | 125 |
| Limited-service restaurant | 100 |
| Coffee shop and snack bar | 55 |
| Child care center | 53 |
| Liquor store | 48 |
| Fitness center | 41 |
| Beauty salon | 28 |
| Automotive mechanical repair (car and truck) | 17 |
| Grocery store | 13 |
| Hotel and motel | 11 |
| Car wash | 8 |
| Dental office | 8 |
| Caterers (includes banquet halls with catering staff) | 8 |
| Medical office (physicians) | 7 |
| Behavioral health and addiction treatment | 6 |
| Beverage manufacturing (breweries, wineries, distilleries) | 5 |
| Nonresidential lessor (flex, office and retail investor buildings) | 5 |
| Rehabilitation and therapy clinic | 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 |
|---|---|
| Pennsylvania | 568 |
| New Jersey | 314 |
| Delaware | 114 |
| Maryland | 78 |
| Virginia | 56 |
| District of Columbia | 16 |
| California | 11 |
| Texas | 11 |
| Florida | 8 |
| Missouri | 8 |
| Illinois | 6 |
| New York | 6 |
| North Carolina | 5 |
| Ohio | 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-17838.
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