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SBA 7(a) record
First Federal Bank, Lake City, FL: SBA 7(a) loans made
First Federal Bank, Lake City, FL, a savings institution based in Lake City, FL, made 49 SBA 7(a) loans in the 36 months ending September 30, 2026, $34.1M in all, net of cancelled approvals. The typical loan was about $540K, and 15 were in the last 12 months. Most were in Florida.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 49
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $34.1M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $540K
- SBA FOIA,
- Largest loan
- $3.4M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 15
- SBA FOIA,
Cite this
Source: The Lender Report, First Federal Bank, Lake City, FL: SBA 7(a) loans made, https://lender.report/lender/first-federal-bank-fl/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Florida | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $700K | 8.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.6M | 8.25% | 25 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.3M | 8.25% | 26 yr | SBA FOIA | |
| Aug 2026 | South Carolina | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $740K | 8.25% | 26 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Recyclable Material Merchant Wholesalers | $3.4M | 7.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Fitness and Recreational Sports Centers | $400K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Floor Covering Retailers | $170K | 8.5% | 20 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Child Care Services | $460K | 9.25% | 10 yr | SBA FOIA | |
| Jun 2026 | North Carolina | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $160K | 9.75% | 25 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.5M | 8.25% | 21 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.4M | 8.25% | 21 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Gasoline Stations with Convenience Stores | $940K | 9% | 21 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Local | $440K | 7.75% | 7 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.3M | 9% | 21 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1M | 7.75% | 20 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.5M | 7.5% | 21 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 7(a), Boat Dealers | $1.2M | 9.5% | 21 yr | SBA FOIA | |
| Aug 2025 | Georgia | SBA 7(a), Pet Care (except Veterinary) Services | $720K | 9.5% | 21 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 7(a), Information | $540K | 7.25% | 20 yr | SBA FOIA | |
| Aug 2025 | South Carolina | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $380K | 9% | 10 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 7(a), All Other Specialty Trade Contractors | $190K | 9% | 10 yr | SBA FOIA | |
| Jul 2025 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.1M | 9% | 21 yr | SBA FOIA | |
| Jun 2025 | Florida | SBA 7(a), Mobile Food Services | $330K | 9% | 7 yr | SBA FOIA | |
| May 2025 | Florida | SBA 7(a), Other Personal Care Services | $930K | 9% | 25 yr | SBA FOIA | |
| Apr 2025 | Florida | SBA 7(a), Sporting Goods Retailers | $210K | 10% | 10 yr | SBA FOIA | |
| 49 SBA 7(a) loans since October 2023, net of cancelled | $34.1M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Florida | 37 | $29.3M |
| South Carolina | 8 | $3.06M |
| Georgia | 2 | $762K |
| North Carolina | 2 | $960K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 7 | $762K |
| $150K to $350K | 12 | $2.80M |
| $350K to $1M | 17 | $11.7M |
| $1M to $2.5M | 12 | $15.5M |
| $2.5M or more | 1 | $3.40M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 6 | $2.29M |
| 2024 Q1 | 3 | $1.41M |
| 2024 Q2 | 5 | $1.50M |
| 2024 Q3 | 6 | $4.70M |
| 2024 Q4 | 2 | $360K |
| 2025 Q1 | 2 | $1.24M |
| 2025 Q2 | 3 | $1.47M |
| 2025 Q3 | 7 | $5.63M |
| 2025 Q4 | 2 | $2.30M |
| 2026 Q1 | 2 | $1.38M |
| 2026 Q2 | 4 | $3.52M |
| 2026 Q3 | 7 | $8.31M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Snack and Nonalcoholic Beverage Bars (722515) | 13 |
| Limited-Service Restaurants (722513) | 3 |
| Beauty Salons (812112) | 2 |
| Fitness and Recreational Sports Centers (713940) | 2 |
| Full-Service Restaurants (722511) | 2 |
| Offices of All Other Miscellaneous Health Practitioners (621399) | 2 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 2 |
| Accommodation and Food Services | 1 |
| Administrative and Support and Waste Management and Remediation Services | 1 |
| All Other Automotive Repair and Maintenance (811198) | 1 |
| All Other General Merchandise Retailers (455219) | 1 |
| All Other Miscellaneous Schools and Instruction (611699) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 47 |
| 7a General | 1 |
| International Trade Loans | 1 |
- First Federal Bank, Lake City, FL made 49 SBA 7(a) loans totaling $34.1M in the 36 months ending September 30, 2026, net of cancelled approvals, in 4 states. SBA FOIA,
- 15 of them were in the 12 months to September 30, 2026, and 14 in the 12 months before. SBA FOIA,
- The typical loan was about $540K, with the middle half between $210K and $1M. SBA FOIA,
- The largest was about $3.4M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 7 loans were under $150K, and 13 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.00% on 49 loans, with the middle half between 8.50% and 10.00%. SBA FOIA,
- The median term was 16 years. SBA FOIA,
- Its loans went most often to Snack and Nonalcoholic Beverage Bars, with 13. SBA FOIA,
- The SBA file lists 47 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Florida (37), South Carolina (8) and Georgia (2). SBA FOIA,
What we don't know
- Whether First Federal Bank, Lake City, FL is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.