Live OAK Banking Company: SBA Lending Activity & Industry Focus

Nationwide (52 states)High-volume SBA lenderLarge loans (median $850,000)Recently activeDiverse industry mix

Based on historical SBA 7(a) lending data.

Total Approvals

1,707

by Live OAK Banking Company

Total Volume

$2,433,574,800

approved amount

Median Loan Size

$850,000

per approval

Recent Activity

166

last 90 days through Dec 2025

Active SBA Lender

Live OAK Banking Company is a national lender active across 52 states lending across 70 different industries. With 1,707 SBA 7(a) approvals on record and a median loan size of $850,000, their lending data provides a detailed picture of where and how they deploy SBA capital.

What you should know

Key insights derived from Live OAK Banking Company's SBA 7(a) lending history

Established SBA track record

With 1,707 SBA 7(a) approvals, Live OAK Banking Company has meaningful SBA experience. This volume suggests they have dedicated SBA staff and established processes for government-guaranteed lending.

Declining SBA activity

Live OAK Banking Company's SBA lending has slowed recently — 128 approvals in the last 6 months vs. 188 in the prior period (-32%). This could reflect tighter credit standards, strategic shifts, or seasonal variation.

Typical loan: $800,000

Live OAK Banking Company's median SBA loan is $800,000, with the middle 50% between $350,000 and $1,970,000. They handle a range of loan sizes without strong concentration in any single band.

Nationwide reach (52 states)

Live OAK Banking Company has funded SBA loans in 52 states, giving them broad geographic coverage. Their highest concentration is in California (13% of loans). National lenders typically accept applications from anywhere in the U.S.

Larger-than-average loan sizes

Live OAK Banking Company's median loan of $850,000 is significantly above the SBA 7(a) average. This suggests they're comfortable with larger deals — good news if you need substantial financing, but they may have higher minimum loan amounts.

Diversified: 70 industries served

Live OAK Banking Company lends across 70 different industry sectors with no single industry dominating. This broad experience means they can likely evaluate most business types, though they may not have deep expertise in any specific niche.

Lending trends for Live OAK Banking Company

↓ 17%loan volume YoY

↓ 16%dollar volume YoY

Total loaned ($)

Median loan size

Loan size distribution

Based on 1,000 SBA 7(a) approvals

Under $50K2 (0%)

$50K–$150K50 (5%)

$150K–$350K172 (17%)

$350K–$1M335 (34%)

$1M–$5M394 (39%)

Over $5M47 (5%)

Summary

Median (50th percentile)

$800,000

25th percentile

$350,000

75th percentile

$1,970,000

Average

$1,362,029

Typical range

$350,000

$1,970,000

States served

CA220 TX197 FL120 NC111 CO86 PA65 NY64 GA56 OH51 AZ46 MI45 IL40 SC38 OR37 NJ36 WA35 WI33 MA33 MD30 VA30 CT28 TN27 IN26 UT24 MO22 MN19 NV18 KY18 OK18 NM15 MS14 AL14 LA11 NH8 ME8 AR7 KS7 RI7 ID5 NE5 MT5 DE4 WV4 AK3 HI3 WY3 IA3 VI2 VT2 ND2 DC1 SD1

Less active

More active

State-by-state lending activity

#	State	Approvals	Median Size
1	California	220	$517,500
2	Texas	197	$792,500
3	Florida	120	$557,500
4	North Carolina	111	$547,500
5	Colorado	86	$1,455,000
6	Pennsylvania	65	$1,250,000
7	New York	64	$620,000
8	Georgia	56	$900,000
9	Ohio	51	$772,500
10	Arizona	46	$757,500
11	Michigan	45	$1,172,500
12	Illinois	40	$1,185,000
13	South Carolina	38	$500,000
14	Oregon	37	$400,000
15	New Jersey	36	$915,000
16	Washington	35	$1,650,000
17	Wisconsin	33	$1,225,000
18	Massachusetts	33	$750,000
19	Maryland	30	$1,125,000
20	Virginia	30	$1,287,500
21	Connecticut	28	$350,000
22	Tennessee	27	$1,243,000
23	Indiana	26	$1,605,000
24	Utah	24	$1,770,000
25	Missouri	22	$3,120,300

Live OAK Banking Company by industry

Veterinary Services220 approvals Offices of Podiatrists190 approvals Tile and Terrazzo Contractors128 approvals Snack and Nonalcoholic Beverage Bars110 approvals Pet Care (except Veterinary) Services110 approvals Reupholstery and Furniture Repair96 approvals Residential Property Managers92 approvals Insurance Agencies and Brokerages83 approvals Services for the Elderly and Persons with Disabilities69 approvals Securities Brokerage65 approvals

Industry focus

#	Industry	NAICS	Approvals
1	Veterinary Services	541	220
2	Offices of Podiatrists	621	190
3	Tile and Terrazzo Contractors	238	128
4	Snack and Nonalcoholic Beverage Bars	722	110
5	Pet Care (except Veterinary) Services	812	110
6	Reupholstery and Furniture Repair	811	96
7	Residential Property Managers	531	92
8	Insurance Agencies and Brokerages	524	83
9	Services for the Elderly and Persons with Disabilities	624	69
10	Securities Brokerage	523	65

Recent SBA 7(a) approvals by Live OAK Banking Company

Month	Borrower	Location	Industry	Amount
2025-12	TS****LC.	CLANTON, AL	Limited-Service Restaurants	$150,000
2025-12	ML *****NC.	LOS ANGELES, CA	Other Management Consulting Services	$350,000
2025-12	Mor*****LLC	CONROE, TX	—	$540,000
2025-12	DKT*****LLC	LENEXA, KS	Plumbing, Heating, and Air-Conditioning Contractors	$150,000
2025-12	Vit*****LLC	PENSACOLA, FL	All Other Automotive Repair and Maintenance	$125,000
2025-12	CHE*****LLC	JASPER, GA	Plumbing, Heating, and Air-Conditioning Contractors	$2,300,000
2025-12	Sta*****Co.	SAN DIEGO, CA	Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole	$3,130,000
2025-12	Gar*****LLC	PROSPER, TX	Homes for the Elderly	$5,000,000
2025-12	BFB*****LLC	EAST HAMPTON, CT	Other Services to Buildings and Dwellings	$50,000
2025-12	Rya*****LLC	SUWANEE, GA	General Automotive Repair	$2,900,000
2025-11	Ace*****LLC	WEST BLOOMFIELD, MI	—	$1,059,000
2025-11	Fri*****LLC	GLASTONBURY, CT	Offices of Certified Public Accountants	$675,000
2025-11	ATH*****LLC	INDIANAPOLIS, IN	Residential Property Managers	$2,450,000
2025-11	Alp*****LLC	BAKERSFIELD, CA	Remediation Services	$350,000
2025-11	Ace*****LLC	COMMERCE TOWNSHIP, MI	—	$480,000
2025-11	Alp*****LLC	BAKERSFIELD, CA	Remediation Services	$500,000
2025-11	Oce*****LLC	SAN CLEMENTE, CA	Home Health Care Services	$350,000
2025-11	Gra*****Inc	UMATILLA, FL	Plumbing, Heating, and Air-Conditioning Contractors	$350,000
2025-11	AKA*****LLC	UNIVERSITY PLACE, WA	Child Day Care Services	$4,460,000
2025-11	Min*****any	HOUSTON, TX	—	$350,000
2025-11	UNI*****INC	MILWAUKEE, WI	—	$2,100,000
2025-11	FOR*****LLC	HUNTERSVILLE, NC	—	$936,000
2025-11	Dia*****nan	RENO, NV	Other Residential Care Facilities	$200,000
2025-11	Sum*****nc.	EL DORADO HILLS, CA	Veterinary Services	$4,200,000
2025-11	Hea*****nc.	BISMARCK, ND	—	$350,000
2025-11	Bes*****nc.	BROOKLYN, NY	Plumbing, Heating, and Air-Conditioning Contractors	$500,000
2025-11	Bar*****LLC	GAMBRILLS, MD	Child Day Care Services	$2,785,000
2025-11	HR *****LLC	CORPUS CHRISTI, TX	Lessors of Miniwarehouses and Self-Storage Units	$1,060,000
2025-11	Jos*****gly	STELLA, MO	Broilers and Other Meat Type	$3,653,200
2025-11	B&B*****NC.	WOODLAND PARK, CO	Offices of All Other Miscellaneous Health Practitioners	$762,000
2025-11	SYE*****NC.	SOUTHINGTON, CT	Limited-Service Restaurants	$480,000
2025-11	Me****nc.	DOVER, NJ	—	$190,000
2025-11	Mai*****nc.	MEDLEY, FL	Remediation Services	$350,000
2025-11	The*****nc.	MAGNOLIA, TX	Child Day Care Services	$5,000,000
2025-11	CRE*****LLC	LAS VEGAS, NV	Professional and Management Development Training	$1,015,000
2025-11	STA*****LLC	SEMINOLE, FL	Full-Service Restaurants	$500,000
2025-11	KCs*****LLC	LELAND, NC	General Automotive Repair	$1,400,000
2025-11	Fra*****nc.	LOCKPORT, NY	Tax Preparation Services	$620,000
2025-11	Epi*****LLC	BROCKTON, MA	Home Health Care Services	$310,000
2025-11	TO *****LLC	SAN DIEGO, CA	Other Accounting Services	$300,000
2025-11	OFF*****NC.	WOODBURY, MN	Child Day Care Services	$1,020,000
2025-11	Liv*****LLC	LIVERPOOL, NY	General Automotive Repair	$1,550,000
2025-11	DEA*****LLC	LONDON, KY	Veterinary Services	$600,000
2025-11	TO *****LLC	SAN DIEGO, CA	Other Accounting Services	$1,350,000
2025-11	Par*****Inc	CALABASAS, CA	Offices of Physicians (except Mental Health Specialists)	$300,000
2025-11	B&B*****NC.	WOODLAND PARK, CO	Offices of All Other Miscellaneous Health Practitioners	$100,000
2025-11	Lit*****LLC	NORTH ATTLEBORO, MA	—	$200,000
2025-11	OC *****INC	SALT LAKE CITY, UT	Tile and Terrazzo Contractors	$1,984,400
2025-11	Eas*****LLC	SAN ANTONIO, TX	Payroll Services	$805,000
2025-11	Ele*****nc.	BERKELEY, IL	Electrical Contractors	$200,000

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

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