US Metro Bank
Headquartered in GARDEN GROVE, CA. Analysis based on 535 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.07B.
Total 7(a) loans
535
Total approved
$1.07B
Average loan
$2.0M
States funded in
34
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
31.60%
Average rate
7.40%
Average term
278 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 196 |
| 722511 | Full-Service Restaurants | 18 |
| 447110 | Gasoline Stations with Convenience Stores | 17 |
| 722513 | Limited-Service Restaurants | 11 |
| 623312 | Homes for the Elderly | 11 |
| 811192 | Car Washes | 11 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 10 |
| 811111 | General Automotive Repair | 9 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 6 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 6 |
Top 10 states
| State | Loans |
|---|---|
| CA | 284 |
| TX | 83 |
| WA | 45 |
| NV | 15 |
| AZ | 11 |
| FL | 8 |
| OR | 7 |
| NM | 7 |
| OH | 7 |
| GA | 6 |
Top franchise brands financed
190 franchise loans across 80 distinct brands.
| Franchise | Loans |
|---|---|
| Quality Inn by Choice Hotels / | 13 |
| Motel 6 | 12 |
| Best Western - Membership Agre | 11 |
| Super 8 by Wyndhan | 9 |
| La Quinta by Wyndham a.k.a. La | 7 |
| Comfort Inn by Choice Hotels/C | 6 |
| Econo Lodge by Choice Hotels/E | 6 |
| Comfort Suites by Choice Hotel | 6 |
| Days Inn by Wyndham | 6 |
| Holiday Inn Express/Holiday In | 6 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.