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Data on SBA Pulse is primarily sourced from official SBA.gov reports and datasets, supplemented by other publicly available industry sources where necessary. This page documents every source, what it feeds, and where to find the original data.
Published monthly by the SBA. These reports reflect cumulative fiscal year-to-date activity and are updated with each monthly reporting cycle. Current data is as of June 30, 2026.
Individual lender rankings, loan counts, and approval volumes for the 7(a) program. Includes breakdowns by project state and county. State-level geographic data is aggregated from the project state breakdown across all lenders.
Used in: 7(a) Summary tab — lender rankings, geographic distribution, Lender Explorer
Individual CDC rankings, loan counts, and approval volumes for the 504 program. Includes breakdowns by project state and county. State-level geographic data is aggregated from the project state breakdown across all CDCs.
Used in: 504 Summary tab (CDC view) — CDC rankings, geographic distribution, Lender Explorer
Individual third party lender (TPL) rankings for the 504 program. TPLs are the banks that provide the first mortgage in a 504 loan. Dollar volumes reflect TPL Approved Dollars — the total first mortgage amount committed by the third party lender, which is typically larger than the SBA-guaranteed debenture portion. Includes breakdowns by project state and county.
Used in: 504 Summary tab (Third Party Lender view) — TPL rankings, geographic distribution, Lender Explorer
Demographic and segment breakdowns including ethnicity, gender, business age, veteran status, rural/urban, and loan size distribution.
Used in: Demographics tab
Archived year-end activity reports from FY2022 through FY2025, sourced from data.sba.gov. Historical data reflects fiscal year-end figures and is not restated for subsequent lender acquisitions or mergers.
Activity reports as of September 30, 2025.
Activity reports as of September 30, 2024.
Activity reports as of September 30, 2023.
Activity reports as of September 30, 2022.
Unpaid principal balance, charge-off amounts, and charge-off rates by program. Sourced from the SBA Loan Program Performance reports on SBA.gov. Data is as of June 30, 2025 and covers FY2016 through FY2025.
Unpaid principal balance by program (7(a), 504 Regular, 504 First Lien, 504 Refi).
Used in: Portfolio Health tab — UPB chart
Annual charge-off dollar amounts by program.
Used in: Portfolio Health tab — Charge-Off Amounts chart
Charge-off rates as a percentage of UPB by program.
Used in: Portfolio Health tab — Charge-Off Rate Trend chart
Loan-level approval files released by the SBA in response to public Freedom of Information Act requests. Each row represents a single approved loan, with origination details (CDC, third party lender, borrower city/state, NAICS, term, gross approval) and lifecycle outcomes (paid in full date, charge-off date, charge-off amount, jobs supported). Updated by the SBA on an irregular cadence — typically once or twice per year.
Every 7(a) loan approved from FY2010 through the file's as-of date (currently March 31, 2026) — roughly 920,000 loans across two source files (FY2010–FY2019 and FY2020–present). Unlike the 504 file, the 7(a) extract discloses detailed servicing statuses (current, delinquent, past due, in deferment, in liquidation, guaranty purchased), which powers the portfolio-stress view. We group raw statuses into plain-language categories; loans that have been disbursed are considered 'funded', while cancelled and undisbursed approvals are excluded from cohort metrics. Charge-off amounts are gross (guaranteed plus unguaranteed portions of the loan).
Used in: 7(a) Loan Performance — overview, loan lifecycle, cohort curves, lender comparison, vintage heatmap, full loan table
Every 504 loan approved from FY2010 through the file's as-of date (currently March 31, 2026), including loans that have since been paid in full or charged off. The SBA's 2026 files report detailed servicing statuses (current, past due, prepaid in full, charged off, and so on); we normalize these to the historical status categories so cohort metrics stay comparable across releases. Loans that have been disbursed — including those later paid in full or charged off — are considered 'funded'; cancelled and not-funded loans are included for reference but excluded from cohort metrics.
Used in: 504 Loan Performance — overview, cohort curves, CDC comparison, vintage heatmap, full loan table
Monthly 504 debenture effective rates for 10, 20, and 25-year terms, including standard, manufacturing, and refinance variants. Debentures are priced on the first Thursday of the first full week of each month; 10-year debentures are sold in alternating months and their rates carry forward in between.
Official effective rates calculated by the Central Servicing Agent and published by the 504 fiscal agent each month, usually within a day of debenture pricing. We record the current-fiscal-year cohort at the standard 0.625% CDC servicing fee. Rates from July 2026 onward come from this source; earlier history was collected from cdcloans.com and may differ from the CSA files by less than a basis point.
Used in: Rates page, Home page market snapshot
Source of the historical effective rates from January 2025 through June 2026. Manufacturing rates available from October 2025.
Used in: Rates page — historical chart and table