Citizens Business Bank National Association: SBA Lending Profile
Citizens Business Bank National Association is a bank that funds the first-mortgage portion of SBA 504 projects, headquartered in Ontario, CA. It is active in 7 states, concentrated around CA, NV, AL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Citizens Business Bank National Association actually approves
The median SBA approval at Citizens Business Bank National Association is $825,000. The middle 80% of its loans fall between $288,000 and $2,675,330. The smallest approval on record since 2020 is $62,900 and the largest is $10,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| 504 first mortgage (third party) | 79 | $825K | n/a | 20 years |
| SBA 7(a) | 31 | $585K | 7.5% | 10 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 26 | 5.4% |
| Offices of Lawyers | 18 | 3.7% |
| All Other Specialty Trade Contractors | 17 | 3.5% |
| Plumbing, Heating, and Air-Conditioning Contractors | 14 | 2.9% |
| General Freight Trucking, Local | 10 | 2.1% |
| Offices of Dentists | 10 | 2.1% |
| Gasoline Stations with Convenience Stores | 10 | 2.1% |
| All Other Miscellaneous Fabricated Metal Product Manufacturing | 10 | 2.1% |
| General Automotive Repair | 10 | 2.1% |
| Offices of Real Estate Agents and Brokers | 10 | 2.1% |
| Commercial and Institutional Building Construction | 8 | 1.7% |
| Full-Service Restaurants | 8 | 1.7% |
Borrower profile
- only 2.3% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 97.9% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Citizens Business Bank National Association.