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CRCP lending layer: SBA lenders dataset (TK-10090)
792f0709253f9da48760f07062ea58d325d26a94 · 2026-07-31 11:00:25 -0700 · Steve Abrams
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Files touched
A data/sba-lenders.jsonA public/sba-lenders.htmlA scripts/fetch-sba-lenders.js
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commit 792f0709253f9da48760f07062ea58d325d26a94
Author: Steve Abrams <steve@designerwallcoverings.com>
Date: Fri Jul 31 11:00:25 2026 -0700
CRCP lending layer: SBA lenders dataset (TK-10090)
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
---
data/sba-lenders.json | 1 +
public/sba-lenders.html | 75 ++++++++++++++
scripts/fetch-sba-lenders.js | 230 +++++++++++++++++++++++++++++++++++++++++++
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CU","program":"7(a)","loan_count":1,"total_approved":225000,"avg_loan":225000,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Gesa CU","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":357,"lender":"Midwest Regional Bank","program":"7(a)","loan_count":1,"total_approved":225000,"avg_loan":225000,"la_loan_count":0,"la_approved":0,"fy_min":2022,"fy_max":2022,"fiscal_years":"FY2022","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Midwest Regional Bank","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":358,"lender":"First National Bank of Coffee County","program":"7(a)","loan_count":1,"total_approved":225000,"avg_loan":225000,"la_loan_count":0,"la_approved":0,"fy_min":2023,"fy_max":2023,"fiscal_years":"FY2023","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"First National Bank of Coffee County","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":359,"lender":"Meriwest Credit Union","program":"7(a)","loan_count":1,"total_approved":203000,"avg_loan":203000,"la_loan_count":0,"la_approved":0,"fy_min":2025,"fy_max":2025,"fiscal_years":"FY2025","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Meriwest Credit Union","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":360,"lender":"Triangle CU","program":"7(a)","loan_count":1,"total_approved":200000,"avg_loan":200000,"la_loan_count":0,"la_approved":0,"fy_min":2023,"fy_max":2023,"fiscal_years":"FY2023","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Triangle CU","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":361,"lender":"Diversified Members Credit Union","program":"7(a)","loan_count":1,"total_approved":200000,"avg_loan":200000,"la_loan_count":0,"la_approved":0,"fy_min":2024,"fy_max":2024,"fiscal_years":"FY2024","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Diversified Members Credit Union","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":362,"lender":"State Bank of Southern Utah","program":"7(a)","loan_count":1,"total_approved":185000,"avg_loan":185000,"la_loan_count":0,"la_approved":0,"fy_min":2022,"fy_max":2022,"fiscal_years":"FY2022","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"State Bank of Southern Utah","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":363,"lender":"First Interstate Bank","program":"7(a)","loan_count":1,"total_approved":176200,"avg_loan":176200,"la_loan_count":1,"la_approved":176200,"fy_min":2023,"fy_max":2023,"fiscal_years":"FY2023","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"First Interstate Bank","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":364,"lender":"Wings Credit Union","program":"7(a)","loan_count":1,"total_approved":168000,"avg_loan":168000,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Wings Credit Union","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":365,"lender":"Lexicon Bank","program":"7(a)","loan_count":1,"total_approved":160000,"avg_loan":160000,"la_loan_count":0,"la_approved":0,"fy_min":2026,"fy_max":2026,"fiscal_years":"FY2026","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Lexicon Bank","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":366,"lender":"Webster Bank National Association","program":"7(a)","loan_count":1,"total_approved":141000,"avg_loan":141000,"la_loan_count":0,"la_approved":0,"fy_min":2025,"fy_max":2025,"fiscal_years":"FY2025","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Webster Bank National Association","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":367,"lender":"First Northern Bank of Dixon","program":"7(a)","loan_count":1,"total_approved":139400,"avg_loan":139400,"la_loan_count":0,"la_approved":0,"fy_min":2021,"fy_max":2021,"fiscal_years":"FY2021","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"First Northern Bank of Dixon","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":368,"lender":"Rural Community Assistance Corporation","program":"7(a)","loan_count":2,"total_approved":130000,"avg_loan":65000,"la_loan_count":0,"la_approved":0,"fy_min":2021,"fy_max":2024,"fiscal_years":"FY2021–FY2024","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Rural Community Assistance Corporation","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":369,"lender":"Bank of the Sierra","program":"7(a)","loan_count":1,"total_approved":120000,"avg_loan":120000,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Bank of the Sierra","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":370,"lender":"Bank OZK","program":"7(a)","loan_count":1,"total_approved":110000,"avg_loan":110000,"la_loan_count":0,"la_approved":0,"fy_min":2021,"fy_max":2021,"fiscal_years":"FY2021","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Bank OZK","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":371,"lender":"Great Lakes Commercial Finance","program":"504","loan_count":1,"total_approved":109000,"avg_loan":109000,"la_loan_count":0,"la_approved":0,"fy_min":2011,"fy_max":2011,"fiscal_years":"FY2011","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Great Lakes Commercial Finance","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":372,"lender":"San Francisco Fire Credit Union","program":"7(a)","loan_count":1,"total_approved":100000,"avg_loan":100000,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"San Francisco Fire Credit Union","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":373,"lender":"First Southwest Bank","program":"7(a)","loan_count":1,"total_approved":100000,"avg_loan":100000,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"First Southwest Bank","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":374,"lender":"Security Bank USA","program":"7(a)","loan_count":1,"total_approved":80700,"avg_loan":80700,"la_loan_count":0,"la_approved":0,"fy_min":2020,"fy_max":2020,"fiscal_years":"FY2020","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Security Bank USA","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":375,"lender":"Hanscom FCU","program":"7(a)","loan_count":1,"total_approved":75000,"avg_loan":75000,"la_loan_count":0,"la_approved":0,"fy_min":2024,"fy_max":2024,"fiscal_years":"FY2024","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Hanscom FCU","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":376,"lender":"Capital Matrix, Inc.","program":"504","loan_count":1,"total_approved":69000,"avg_loan":69000,"la_loan_count":0,"la_approved":0,"fy_min":2018,"fy_max":2018,"fiscal_years":"FY2018","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Capital Matrix, Inc.","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":377,"lender":"HEDCO Local Development Corporation","program":"504","loan_count":1,"total_approved":66000,"avg_loan":66000,"la_loan_count":0,"la_approved":0,"fy_min":2011,"fy_max":2011,"fiscal_years":"FY2011","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"HEDCO Local Development Corporation","retrieved_at":"2026-07-31T17:59:31.439Z"},{"id":378,"lender":"Mountain America FCU","program":"7(a)","loan_count":1,"total_approved":25000,"avg_loan":25000,"la_loan_count":1,"la_approved":25000,"fy_min":2024,"fy_max":2024,"fiscal_years":"FY2024","source":"U.S. SBA","source_url":"https://data.sba.gov/dataset/7a-504-foia","identifier":"Mountain America FCU","retrieved_at":"2026-07-31T17:59:31.439Z"}]}
\ No newline at end of file
diff --git a/public/sba-lenders.html b/public/sba-lenders.html
new file mode 100644
index 0000000..9e3617a
--- /dev/null
+++ b/public/sba-lenders.html
@@ -0,0 +1,75 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width, initial-scale=1">
+<link rel="icon" href="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Crect width='16' height='16' rx='3' fill='%230c0f15'/%3E%3Ctext x='8' y='12' font-size='9' text-anchor='middle' fill='%23C8A24B'%3E%F0%9F%92%BC%3C/text%3E%3C/svg%3E">
+<title>SBA Lenders — 7(a) & 504 originators (CA · LA breakout)</title>
+<link rel="stylesheet" href="/lending-grid.css">
+</head>
+<body>
+<header>
+ <h1><b>💼 SBA Lenders</b> — 7(a) & 504</h1>
+ <div class="nav"><a href="/lending.html">← Lending</a><a href="/lenders.html">🏦 Banks</a><a href="/mortgage-market.html">📊 Market</a></div>
+ <span class="spacer"></span>
+ <input class="search" id="q" type="text" placeholder="search all fields — lender, program, fiscal years, source… (space = AND)">
+ <div class="toggle" id="view"><button data-v="table" class="on">▦ List</button><button data-v="grid">▤ Grid</button></div>
+ <select id="sortsel" title="Sort"></select>
+ <label id="denswrap" title="Card density — grid view">⤢<input type="range" id="density" min="1" max="10" step="1"></label>
+ <button class="csvbtn" id="csv" title="Export current rows to CSV">⬇ CSV</button>
+ <span class="count" id="count">…</span>
+</header>
+<div class="shell">
+<aside class="rail">
+ <div id="railFacets"></div>
+ <div class="rsec"><h4>Fields / columns — show / hide</h4>
+ <div class="fieldtoggles" id="fFields"></div>
+ <div style="margin-top:8px"><button class="minibtn" id="fAll">All</button><button class="minibtn" id="fNone">None</button><button class="minibtn" id="fReset" title="Reset columns to the tight default">↺ Reset</button></div>
+ <div class="mut" style="font-size:10.5px;margin-top:7px;line-height:1.35">Drag a column header to reorder · drag its right edge to resize · click to sort.</div>
+ </div>
+</aside>
+<div class="wrap">
+ <div class="databar"><span class="pubtag">Public data</span><span id="demoNote">U.S. SBA — 7(a) & 504 FOIA loan-level data, aggregated by lender (CA, LA-County breakout)</span></div>
+ <div id="tableView" class="tblwrap"><table class="g" data-no-sort><thead id="thead"></thead><tbody id="tbody"></tbody></table></div>
+ <div id="gridView" class="grid hide"></div>
+</div>
+</div>
+<div id="ov"><div id="modal"><button class="x" aria-label="Close" onclick="document.getElementById('ov').classList.remove('on')">✕</button><div id="mbody"></div></div></div>
+<script>
+window.GRID_CONFIG = {
+ ns: 'crcpSBA', noun: 'SBA lenders', nameKey: 'lender', idKey: 'id',
+ title: 'SBA 7(a)/504 lender · CA volume',
+ api: '/api/lending/sba-lenders', dataKey: 'lenders',
+ sortKey: 'total_approved', sortDir: -1,
+ defaultCols: ['lender', 'program', 'loan_count', 'total_approved', 'avg_loan', 'fiscal_years', 'source'],
+ badgeClass: (k, v) => k === 'program' ? (/504/.test(v) ? 'warn' : 'com') : 'com',
+ cols: [
+ // Identity
+ { k: 'lender', l: 'Lender', t: 's', g: 'Identity', max: 46 },
+ { k: 'program', l: 'Program', t: 'badge', g: 'Identity' },
+ // CA volume
+ { k: 'loan_count', l: 'CA loans', t: 'n', g: 'CA volume' },
+ { k: 'total_approved', l: 'CA approved', t: 'money', g: 'CA volume' },
+ { k: 'avg_loan', l: 'Avg loan', t: 'money', g: 'CA volume' },
+ // LA-County breakout
+ { k: 'la_loan_count', l: 'LA loans', t: 'n', g: 'LA County' },
+ { k: 'la_approved', l: 'LA approved', t: 'money', g: 'LA County', def: 0 },
+ // Coverage
+ { k: 'fiscal_years', l: 'Fiscal years', t: 's', g: 'Coverage' },
+ { k: 'fy_min', l: 'First FY', t: 'n', g: 'Coverage', def: 0 },
+ { k: 'fy_max', l: 'Last FY', t: 'n', g: 'Coverage', def: 0 },
+ // Provenance
+ { k: 'source', l: 'Source', t: 'src', g: 'Evidence' },
+ { k: 'retrieved_at', l: 'Retrieved', t: 'date', g: 'Evidence', def: 0 },
+ ],
+ facets: [
+ { k: 'program', l: 'Program', limit: 4 },
+ { k: 'ca_size', l: 'CA volume', derive: r => r.total_approved >= 1e9 ? '$1B+' : r.total_approved >= 1e8 ? '$100M–$1B' : r.total_approved >= 1e7 ? '$10M–$100M' : r.total_approved >= 1e6 ? '$1M–$10M' : 'under $1M', limit: 6 },
+ { k: 'la_presence', l: 'LA County', derive: r => r.la_loan_count > 0 ? 'has LA loans' : 'no LA loans', limit: 3 },
+ ],
+};
+</script>
+<script src="/lending-grid.js" defer></script>
+<script src="/col-resize.js" defer></script>
+</body>
+</html>
diff --git a/scripts/fetch-sba-lenders.js b/scripts/fetch-sba-lenders.js
new file mode 100644
index 0000000..7f29a07
--- /dev/null
+++ b/scripts/fetch-sba-lenders.js
@@ -0,0 +1,230 @@
+#!/usr/bin/env node
+// fetch-sba-lenders.js — CRCP "SBA Lenders" builder for the lending-intelligence layer.
+//
+// Pulls REAL public data only ($0) from the official U.S. SBA FOIA loan-level datasets
+// (data.sba.gov — "7(a) & 504 FOIA"), the SBA's own loan-approval disclosures:
+// - FOIA_7a_FY2020_Present — every 7(a) loan approved FY2020→present (~181 MB CSV)
+// - FOIA_504_FY2010_Present — every 504 loan approved FY2010→present (~59 MB CSV)
+//
+// These CSVs are LARGE, so they are STREAMED through curl → a line-by-line parser (never
+// buffered whole into memory). We filter to BorrState=CA and aggregate to one row per
+// LENDER (7(a) originating BankName, or 504 CDC_Name) with:
+// loan_count, total_approved ($), avg_loan ($), the fiscal-year span, and — because
+// ProjectCounty carries "LOS ANGELES" cleanly — an LA-County breakout (la_loan_count /
+// la_approved). Program (7(a)/504) is kept distinct, so a lender that does both appears
+// as two rows.
+//
+// NO PERSONAL DATA — borrower names/addresses are read only to filter to CA, never stored.
+// Output is institution-level (lender) aggregates only.
+//
+// Every row is source-cited: source="U.S. SBA", source_url=the dataset page,
+// identifier=lender name, retrieved_at=now.
+//
+// Idempotent + re-runnable. Logs the real source URLs + row counts. Atomic write.
+// If the CSVs can't be reached/streamed, writes an HONEST manual_review_only stub
+// (lenders:[] + a deep link) — never fabricates lenders.
+//
+// Run: node scripts/fetch-sba-lenders.js
+
+const fs = require('fs');
+const path = require('path');
+const readline = require('readline');
+const { spawn } = require('child_process');
+
+const ROOT = path.join(__dirname, '..');
+const OUT = path.join(ROOT, 'data', 'sba-lenders.json');
+
+// ---- real public source (SBA 7(a) & 504 FOIA CSVs, verified reachable 2026-07-31, $0, no key) ----
+const DATASET_HOME = 'https://data.sba.gov/dataset/7a-504-foia';
+const BASE = 'https://data.sba.gov/sites/default/files/uploaded_resources';
+// Most-recent FOIA files (as-of 2026-06-30). We use ONLY the most recent file per program
+// (7(a) FY2020-Present, 504 FY2010-Present) to keep the download bounded — see meta.scope.
+const SOURCES = [
+ { program: '7(a)', url: `${BASE}/FOIA_7a_FY2020_Present_asof_260630.csv`, lenderCol: 'BankName' },
+ { program: '504', url: `${BASE}/FOIA_504_FY2010_Present_asof_260630.csv`, lenderCol: 'CDC_Name' },
+];
+
+const FILTER_STATE = 'CA';
+const LA_COUNTY = 'LOS ANGELES';
+
+function log(...a) { console.log('[sba-lenders]', ...a); }
+
+function atomicWrite(file, obj) {
+ fs.writeFileSync(file + '.tmp', JSON.stringify(obj));
+ fs.renameSync(file + '.tmp', file);
+}
+
+// Parse one CSV line into fields (handles quoted fields + embedded commas/quotes).
+// SBA FOIA CSVs are RFC-4180-ish: fields optionally double-quoted, "" = escaped quote.
+function parseCsvLine(line) {
+ const out = [];
+ let cur = '', inq = false;
+ for (let i = 0; i < line.length; i++) {
+ const c = line[i];
+ if (inq) {
+ if (c === '"') {
+ if (line[i + 1] === '"') { cur += '"'; i++; }
+ else inq = false;
+ } else cur += c;
+ } else {
+ if (c === '"') inq = true;
+ else if (c === ',') { out.push(cur); cur = ''; }
+ else cur += c;
+ }
+ }
+ out.push(cur);
+ return out;
+}
+
+// Stream one CSV via curl, filter to CA, fold into `agg` (keyed by "program|lender").
+// Returns a promise. A field can contain an embedded newline (rare) — the streamed
+// readline splits on \n, so a record with an embedded newline is skipped defensively
+// (length-guard) rather than mis-parsed; these are negligible and never fabricated.
+function streamAndAggregate(src, agg) {
+ return new Promise((resolve, reject) => {
+ // -sL follows redirects; --fail-with-body surfaces a 4xx/5xx as a non-zero exit.
+ const curl = spawn('curl', ['-sL', '--fail', '--max-time', '900', src.url]);
+ const rl = readline.createInterface({ input: curl.stdout, crlfDelay: Infinity });
+
+ let header = null, idx = null, seen = 0, caKept = 0;
+ let curlErr = '';
+ curl.stderr.on('data', d => { curlErr += d.toString(); });
+
+ rl.on('line', (line) => {
+ if (!line) return;
+ if (header === null) {
+ header = parseCsvLine(line).map(h => h.trim());
+ idx = {};
+ header.forEach((h, i) => { idx[h] = i; });
+ // Required columns must exist or we abort this source (never guess positions).
+ const need = ['BorrState', 'GrossApproval', 'ApprovalFY', 'ProjectCounty', src.lenderCol];
+ const missing = need.filter(n => idx[n] == null);
+ if (missing.length) { rl.close(); curl.kill(); reject(new Error(`${src.program}: missing columns ${missing.join(',')}`)); }
+ return;
+ }
+ const f = parseCsvLine(line);
+ if (f.length < header.length) return; // defensive: truncated / embedded-newline row
+ seen++;
+ if (f[idx['BorrState']] !== FILTER_STATE) return;
+
+ const lender = (f[idx[src.lenderCol]] || '').trim();
+ if (!lender) return;
+ const gross = parseFloat(f[idx['GrossApproval']]) || 0;
+ const fy = parseInt(f[idx['ApprovalFY']], 10);
+ const isLA = (f[idx['ProjectCounty']] || '').trim().toUpperCase() === LA_COUNTY;
+
+ const key = `${src.program}|${lender.toUpperCase()}`;
+ let a = agg[key];
+ if (!a) {
+ a = agg[key] = {
+ program: src.program, lender, loan_count: 0, total_approved: 0,
+ la_loan_count: 0, la_approved: 0, fy_min: null, fy_max: null,
+ };
+ }
+ a.loan_count++;
+ a.total_approved += gross;
+ if (isLA) { a.la_loan_count++; a.la_approved += gross; }
+ if (Number.isFinite(fy)) {
+ if (a.fy_min == null || fy < a.fy_min) a.fy_min = fy;
+ if (a.fy_max == null || fy > a.fy_max) a.fy_max = fy;
+ }
+ caKept++;
+ });
+
+ rl.on('close', () => {
+ if (curl.exitCode && curl.exitCode !== 0 && seen === 0) {
+ return reject(new Error(`${src.program}: curl exit ${curl.exitCode} ${curlErr.trim()}`));
+ }
+ log(`${src.program}: streamed ${seen} rows, kept ${caKept} CA loan rows`);
+ resolve({ seen, caKept });
+ });
+ curl.on('error', reject);
+ });
+}
+
+async function main() {
+ const retrieved_at = new Date().toISOString();
+ const agg = {};
+
+ try {
+ for (const src of SOURCES) {
+ log(`streaming ${src.program} ← ${src.url}`);
+ await streamAndAggregate(src, agg);
+ }
+ } catch (e) {
+ // HONEST stub — never invent lenders.
+ log('ERROR streaming SBA CSVs:', e.message);
+ atomicWrite(OUT, {
+ meta: {
+ source: 'U.S. SBA',
+ source_url: DATASET_HOME,
+ access_method: 'manual_review_only',
+ personal_data: false,
+ scope: `SBA 7(a) + 504 FOIA loan-level data, aggregated by lender, BorrState=${FILTER_STATE} (LA-County breakout). SOURCE UNREACHABLE at build time — see source_url.`,
+ fiscal_years: null,
+ count: 0,
+ error: e.message,
+ retrieved_at,
+ },
+ lenders: [],
+ });
+ log(`wrote HONEST stub (0 lenders) → ${path.relative(ROOT, OUT)}`);
+ log('deep link:', DATASET_HOME);
+ return;
+ }
+
+ const keys = Object.keys(agg);
+ let fyMin = null, fyMax = null;
+ const lenders = keys.map((k, i) => {
+ const a = agg[k];
+ if (a.fy_min != null && (fyMin == null || a.fy_min < fyMin)) fyMin = a.fy_min;
+ if (a.fy_max != null && (fyMax == null || a.fy_max > fyMax)) fyMax = a.fy_max;
+ const round = (n) => Math.round(n);
+ const fiscal_years = (a.fy_min != null && a.fy_max != null)
+ ? (a.fy_min === a.fy_max ? `FY${a.fy_min}` : `FY${a.fy_min}–FY${a.fy_max}`)
+ : null;
+ return {
+ id: i + 1,
+ lender: a.lender,
+ program: a.program,
+ loan_count: a.loan_count,
+ total_approved: round(a.total_approved), // $ dollars
+ avg_loan: a.loan_count ? round(a.total_approved / a.loan_count) : 0, // $ dollars
+ la_loan_count: a.la_loan_count,
+ la_approved: round(a.la_approved), // $ dollars
+ fy_min: a.fy_min,
+ fy_max: a.fy_max,
+ fiscal_years,
+ // provenance (evidence-first) — institution-level only, NO borrower data
+ source: 'U.S. SBA',
+ source_url: DATASET_HOME,
+ identifier: a.lender,
+ retrieved_at,
+ };
+ }).sort((x, y) => (y.total_approved - x.total_approved) || (y.loan_count - x.loan_count));
+
+ // Reassign ids in sorted order so the top lender is id 1 (stable, unique numeric id).
+ lenders.forEach((r, i) => { r.id = i + 1; });
+
+ const fiscal_years = (fyMin != null && fyMax != null) ? `FY${fyMin}–FY${fyMax}` : null;
+
+ atomicWrite(OUT, {
+ meta: {
+ source: 'U.S. SBA',
+ source_url: DATASET_HOME,
+ access_method: 'official_csv_stream',
+ personal_data: false,
+ scope: `SBA 7(a) + 504 FOIA loan-level approvals aggregated to one row per lender+program, filtered to BorrState=${FILTER_STATE}, with a Los Angeles-County breakout (la_loan_count / la_approved via ProjectCounty). Most-recent FOIA file per program only: 7(a)=FY2020-Present, 504=FY2010-Present (bounded download; older FOIA files at source_url).`,
+ fiscal_years,
+ count: lenders.length,
+ retrieved_at,
+ },
+ lenders,
+ });
+
+ log(`wrote ${lenders.length} SBA lenders → ${path.relative(ROOT, OUT)}`);
+ log(`fiscal years covered: ${fiscal_years}`);
+ log('source:', DATASET_HOME, '($0, official SBA FOIA CSVs)');
+}
+
+main().catch(e => { console.error('[sba-lenders] fatal', e); process.exit(1); });
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