Mission Valley Bank: SBA Lending Profile
Certified CDFI, U.S. Treasury
Mission Valley Bank is an FDIC-insured bank, headquartered in Sun Valley, CA. It is active in 31 states, concentrated around CA, TX, AZ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Mission Valley Bank actually approves
The median SBA approval at Mission Valley Bank is $1,231,350. The middle 80% of its loans fall between $371,440 and $3,863,540. The smallest approval on record since 2020 is $150,000 and the largest is $5,000,000. 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 |
|---|---|---|---|---|
| SBA 7(a) | 104 | $1.2M | 9.5% | 25 years |
| 504 first mortgage (third party) | 3 | $1.6M | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 32 | 11.5% |
| Limited-Service Restaurants | 15 | 5.4% |
| Full-Service Restaurants | 13 | 4.7% |
| All Other Specialty Trade Contractors | 13 | 4.7% |
| Gasoline Stations with Convenience Stores | 9 | 3.2% |
| Snack and Nonalcoholic Beverage Bars | 9 | 3.2% |
| Assisted Living Facilities for the Elderly | 6 | 2.2% |
| General Automotive Repair | 6 | 2.2% |
| Window Treatment Retailers | 6 | 2.2% |
| Offices of Physicians (except Mental Health Specialists) | 5 | 1.8% |
| Funeral Homes and Funeral Services | 5 | 1.8% |
| Beauty Salons | 5 | 1.8% |
Borrower profile
- This institution is a Treasury-certified Community Development Financial Institution. CDFIs exist specifically to fund businesses and communities that conventional lenders often decline.
- 20.6% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 100% of its recent SBA loans.
- 0.4% of its loans carry fixed rates; the rest are variable.
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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. CDFI certification status from the U.S. Treasury CDFI Fund certified institution list. 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 Mission Valley Bank.