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SBA 7(a) record
Western Commerce Bank: SBA 7(a) loans made
Western Commerce Bank, a bank based in Carlsbad, NM, made 81 SBA 7(a) loans in the 36 months ending September 30, 2026, $44.5M in all, net of cancelled approvals. The typical loan was about $240K, and 20 were in the last 12 months. Most were in New Mexico.
- 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
- 81
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $44.5M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $240K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 20
- SBA FOIA,
Cite this
Source: The Lender Report, Western Commerce Bank: SBA 7(a) loans made, https://lender.report/lender/western-commerce-bank-nm/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 |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Colorado | SBA 7(a), Hotels (except Casino Hotels) and Motels | $2M | 7.75% | 10 yr | SBA FOIA | |
| May 2026 | New Mexico | SBA 7(a), Accommodation and Food Services | $280K | 9.75% | 10 yr | SBA FOIA | |
| May 2026 | New Mexico | SBA 7(a), Educational Services | $220K | 8.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Texas | SBA 7(a), Automotive Glass Replacement Shops | $230K | 7.75% | 7 yr | SBA FOIA | |
| Mar 2026 | New Mexico | SBA 7(a), Mobile Food Services | $300K | 7.75% | 24 yr | SBA FOIA | |
| Feb 2026 | Texas | SBA 7(a), Hotels (except Casino Hotels) and Motels | $4.3M | 7.75% | 20 yr | SBA FOIA | |
| Feb 2026 | New Mexico | SBA 7(a), All Other Specialty Trade Contractors | $500K | 8% | 20 yr | SBA FOIA | |
| Feb 2026 | New Mexico | SBA 7(a), Manufacturing | $10K | 8% | 7 yr | SBA FOIA | |
| Jan 2026 | Texas | SBA 7(a), Support Activities for Oil and Gas Operations | $680K | 7.75% | 5 yr | SBA FOIA | |
| Jan 2026 | New Mexico | SBA 7(a), Manufacturing | $56K | 8% | 10 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Hotels (except Casino Hotels) and Motels | $1.1M | 8% | 25 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Hotels (except Casino Hotels) and Motels | $1.1M | 8.25% | 20 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Health Care and Social Assistance | $970K | 8% | 20 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Support Activities for Oil and Gas Operations | $500K | 8% | 9 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), All Other Specialty Trade Contractors | $290K | 8% | 6 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Retail Trade | $200K | 7.75% | 5 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Health Care and Social Assistance | $99K | 8% | 10 yr | SBA FOIA | |
| Dec 2025 | New Mexico | SBA 7(a), Health Care and Social Assistance | $25K | 8.5% | 7 yr | SBA FOIA | |
| Nov 2025 | New Mexico | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $140K | 8% | 20 yr | SBA FOIA | |
| Nov 2025 | New Mexico | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $25K | 8% | 5 yr | SBA FOIA | |
| Sep 2025 | New Mexico | SBA 7(a), Retail Trade | $1.4M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2025 | New Mexico | SBA 7(a), Support Activities for Oil and Gas Operations | $1.1M | 7.5% | 15 yr | SBA FOIA | |
| Sep 2025 | New Mexico | SBA 7(a), Professional, Scientific, and Technical Services | $1.1M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2025 | New Mexico | SBA 7(a), Wholesale Trade | $680K | 8.25% | 20 yr | SBA FOIA | |
| Sep 2025 | Texas | SBA 7(a), Hotels (except Casino Hotels) and Motels | $500K | 8.25% | 20 yr | SBA FOIA | |
| 81 SBA 7(a) loans since October 2023, net of cancelled | $44.5M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| New Mexico | 71 | $28.5M |
| Texas | 8 | $13.6M |
| California | 1 | $440K |
| Colorado | 1 | $2.00M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 31 | $2.20M |
| $150K to $350K | 17 | $3.97M |
| $350K to $1M | 21 | $11.9M |
| $1M to $2.5M | 8 | $10.6M |
| $2.5M or more | 4 | $15.8M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 8 | $4.91M |
| 2024 Q1 | 8 | $1.74M |
| 2024 Q2 | 5 | $1.01M |
| 2024 Q3 | 10 | $6.11M |
| 2024 Q4 | 11 | $8.75M |
| 2025 Q1 | 7 | $2.95M |
| 2025 Q2 | 4 | $640K |
| 2025 Q3 | 8 | $5.38M |
| 2025 Q4 | 10 | $4.45M |
| 2026 Q1 | 6 | $5.85M |
| 2026 Q2 | 4 | $2.73M |
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 |
|---|---|
| Support Activities for Oil and Gas Operations (213112) | 12 |
| Hotels (except Casino Hotels) and Motels (721110) | 8 |
| Manufacturing | 6 |
| Health Care and Social Assistance | 5 |
| Retail Trade | 5 |
| All Other Specialty Trade Contractors (238990) | 4 |
| Full-Service Restaurants (722511) | 4 |
| Professional, Scientific, and Technical Services | 4 |
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 3 |
| Accommodation and Food Services | 2 |
| Arts, Entertainment, and Recreation | 2 |
| Breweries (312120) | 2 |
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 | 54 |
| SBA Express Program | 26 |
| 7a General | 1 |
- Western Commerce Bank made 81 SBA 7(a) loans totaling $44.5M in the 36 months ending September 30, 2026, net of cancelled approvals, in 4 states. SBA FOIA,
- 20 of them were in the 12 months to September 30, 2026, and 30 in the 12 months before. SBA FOIA,
- The typical loan was about $240K, with the middle half between $99K and $500K. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 31 loans were under $150K, and 12 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.00% on 81 loans, with the middle half between 8.25% and 9.50%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Support Activities for Oil and Gas Operations, with 12. SBA FOIA,
- The SBA file lists 54 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in New Mexico (71), Texas (8) and California (1). SBA FOIA,
What we don't know
- Whether Western Commerce Bank 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.