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Stearns Bank National Association
SAINT CLOUD, MN · High-Volume Lender · National rank #54
Stearns Bank National Association approved 172 SBA 7(a) loans in FY2025, ranking #54 nationally among SBA lenders. Its average loan size was $446,702, with the most activity in Minnesota, California, and Texas.
Stearns Bank National Association is headquartered in Saint Cloud, MN, and participates as a lender in the U.S. Small Business Administration's 7(a) loan program. According to FY2025 SBA 7(a) lender activity data, Stearns Bank approved 172 SBA 7(a) loans totaling $76,832,700 in approved dollars. Of that amount, $57,637,475 was covered by SBA guaranty, reflecting the government-backed portion of these loans. The average loan size across these transactions was $446,702.
Based on this FY2025 volume, Stearns Bank ranks #54 nationally among SBA 7(a) lenders. While headquartered in Minnesota, the bank's lending activity extends across a broad footprint, with loans recorded in 38 states, including MN, CA, TX, FL, NY, AZ, IL, GA, MI, WA, NJ, CO, NC, VA, LA, CT, MD, SD, PA, OH, TN, NV, KS, SC, MA, HI, ID, WI, IN, OR, IA, DE, WV, MT, KY, OK, MO, AL, and UT. Its most active states by loan count were Minnesota (20 loans), California (15 loans), and Texas (13 loans), indicating activity concentrated near its home state but also spread nationally.
These figures are drawn exclusively from FY2025 SBA 7(a) lender activity data and reflect loan volume, dollar amounts, and geographic distribution reported for that period. No interest rates, approval likelihood, or lender-specific terms are included, as this information is not part of the underlying dataset.
Where Stearns Bank National Association lends
| State | Loans | Dollars |
|---|---|---|
| California | 15 | $9,740,000 |
| Minnesota | 20 | $8,505,000 |
| Texas | 13 | $6,816,000 |
| Florida | 12 | $6,458,800 |
| Michigan | 5 | $5,704,000 |
| North Carolina | 4 | $5,412,000 |
| Arizona | 8 | $4,155,000 |
| New York | 11 | $3,530,000 |
| Illinois | 7 | $3,071,000 |
| Virginia | 4 | $2,845,000 |
| Washington | 5 | $2,515,000 |
| Georgia | 7 | $2,330,800 |
| Ohio | 3 | $1,600,000 |
| New Jersey | 5 | $1,479,000 |
| Louisiana | 4 | $1,339,500 |
Questions people ask
Is Stearns Bank National Association an SBA lender?
Yes, Stearns Bank National Association is an active SBA 7(a) lender according to FY2025 SBA activity data.
How many SBA 7(a) loans did Stearns Bank approve in FY2025?
Stearns Bank approved 172 SBA 7(a) loans in FY2025.
What was the total dollar volume of Stearns Bank's SBA 7(a) loans in FY2025?
Approved loans totaled $76,832,700 in FY2025, according to SBA activity data.
What is Stearns Bank's average SBA 7(a) loan size?
The average loan size was $446,702 in FY2025.
How much of Stearns Bank's SBA lending was guaranteed by the SBA?
SBA guaranty dollars totaled $57,637,475 of the approved loan volume.
Where is Stearns Bank National Association headquartered?
It is headquartered in Saint Cloud, MN.
Where is Stearns Bank most active in SBA lending?
Its top states by loan count in FY2025 were Minnesota (20 loans), California (15 loans), and Texas (13 loans).
Is Stearns Bank a national or regional SBA lender?
Stearns Bank made SBA 7(a) loans in 38 states in FY2025, indicating a national lending footprint beyond its home state of Minnesota.
How does Stearns Bank rank among SBA 7(a) lenders by volume?
Stearns Bank ranked #54 nationally by SBA 7(a) loan volume in FY2025.
Does Stearns Bank only lend in Minnesota?
No, while Minnesota had the highest loan count, Stearns Bank also approved loans in states such as California, Texas, Florida, and many others in FY2025.
Source: SBA 7(a) Lender Activity Report, FY2025 (data.sba.gov). GetFundedUSA is independent and not affiliated with Stearns Bank National Association; loan terms, rates and eligibility are set by the lender and the SBA, not GetFundedUSA.