US Lender Metrics Get a Lender Match

SBA lenders in Tracy, CA

SBA 7(a) and 504 loans to businesses in Tracy (San Joaquin County), October 2021 to June 30, 2026 · Updated October 15, 2026
102
SBA loans approved
$75.4M
Total approved
$212,000
Median loan
36
Lenders active
30%
To startups

102 SBA loans worth $75.4M went to businesses in Tracy, CA between October 2021 and June 2026, from 36 lenders. U.S. Bank made the most, 14 loans. The median loan was $212,000, compared with $300,000 across California, and other services (repair, personal care) was the most financed industry.

Most active SBA lenders in Tracy

#LenderLoansApprovedMedian loanTo startups
1U.S. Bank
Bank · Cincinnati, OH
14$5.2M$100,00043%
2Northeast Bank
Bank · Portland, ME
13$1.6M$61,20023%
3BayFirst National Bank
Bank · St. Petersburg, FL
8$1.1M$150,0000%
4Wells Fargo Bank
Bank · Sioux Falls, SD
7$1.2M$30,000100%
5Mortgage Capital Development
Certified development company · Oakland, CA
5$10.5M$1,541,0000%
6Newtek Bank
Bank · Miami, FL
5$320K$55,0000%
7Byline Bank
Bank · Chicago, IL
4$7.0M$1,110,50025%
8Success Capital Expansion & Development
Certified development company · Modesto, CA
4$7.0M$792,50050%
9Pinnacle Bank
Bank · Gilroy, CA
3$5.7M$2,170,0000%
10Celtic Bank
Bank · Salt Lake City, UT
3$1.9M$854,00033%
11Huntington National Bank
Bank · Columbus, OH
3$1.1M$500,00067%
12Bank of America
Bank · Charlotte, NC
3$575K$125,0000%
13Enterprise Bank & Trust
Bank · Clayton, MO
2$4.8M$2,389,85050%
14Greater Sacramento Certified Development
Certified development company · North Highlands, CA
2$3.4M$1,709,5000%
15Business Finance Capital
Certified development company · Los Angeles, CA
2$1.4M$699,0000%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Tracy. For 504 loans the lender shown is the certified development company.

What gets financed in Tracy

IndustryLoansShareMedian loanMost active lender
Other services (repair, personal care)17
17%
$150,000Northeast Bank
Construction13
13%
$300,000Northeast Bank
Retail11
11%
$500,000U.S. Bank
Manufacturing10
10%
$344,350Byline Bank
Transportation and warehousing9
9%
$77,500Wells Fargo Bank
Restaurants and hotels8
8%
$150,000Pinnacle Bank
Health care and social assistance7
7%
$682,900Celtic Bank
Wholesale trade7
7%
$150,000U.S. Bank
Loan size mix
  • Under $150,00037%
  • $150,000 to $500,00029%
  • $500,000 to $2 million21%
  • $2 million and up13%
Compared with California
Median loan, Tracy
$212,000
Median loan, California
$300,000
Startup share, Tracy
30%
Startup share, California
23%
Share of state's SBA loans
0.3%

SBA loans per fiscal year in Tracy

0132740FY14: 17 loansFY14FY15: 23 loansFY15FY16: 22 loansFY16FY17: 33 loansFY1733FY18: 18 loansFY18FY19: 19 loansFY19FY20: 25 loansFY20FY21: 28 loansFY21FY22: 20 loansFY22FY23: 13 loansFY23FY24: 27 loansFY24FY25: 32 loansFY25FY26 (Oct to Jun): 10 loansFY2610
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.