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Texas’s government was obligated $79.93B of COVID-19 relief, the most of 59 jurisdictions. SBA obligated $928.91B of COVID-19 supplemental appropriations, more than any other agency, and JPMorgan Chase’s PPP book came to $44,111,851,716.69 in approved dollars. These sixteen lists each put one published record in order: SBA’s PPP loan file, the Federal Reserve’s Main Street and liquidity-facility disclosures, the PRAC’s funding tables, HRSA’s payment list and the Justice Department’s press releases. Each names the column it sorts by, the date of the file behind it, and what the order does not measure.

Featured ranking

$79.93B Texas, first of 59 jurisdictions; $826.82B obligated in all

Money obligated to the state or territory government itself; awards to businesses, households and local governments are not in it, and nothing is adjusted for population.

59 rows As of PRAC file as downloaded 18 September 2026

All 59 jurisdictions, sortable

The ten largest, COVID-19 dollars obligated to the government
Texas: $79.93B1Texas$79.93B California: $79.11B2California$79.11B New York: $59.30B3New York$59.30B Florida: $42.76B4Florida$42.76B Illinois: $33.83B5Illinois$33.83B Pennsylvania: $31.87B6Pennsylvania$31.87B Puerto Rico: $29.69B7Puerto Rico$29.69B New Jersey: $26.01B8New Jersey$26.01B Ohio: $24.00B9Ohio$24.00B Georgia: $23.39B10Georgia$23.39B

Where the federal money went

Three views of the PRAC funding table built from USAspending: by awarding agency, by assistance listing, and by the state or territory government that received it.

  • 59 rows As of PRAC file as downloaded 18 September 2026

    States and Territories by COVID-19 Relief Obligated to Their Governments

    $79.93B Texas, first of 59 jurisdictions; $826.82B obligated in all

    Texas: $79.93B1Texas$79.93B California: $79.11B2California$79.11B New York: $59.30B3New York$59.30B Florida: $42.76B4Florida$42.76B Illinois: $33.83B5Illinois$33.83B

    Money obligated to the state or territory government itself; awards to businesses, households and local governments are not in it, and nothing is adjusted for population.

    Method and source

    COVID-19 dollars obligated to the governments of all 59 jurisdictions in the PRAC's state-and-territory funding table, $826.82B in all; other recipients are not in it.

    Source table state-and-territory-funding-data.xlsx

    Source vintage PRAC file as downloaded 18 September 2026

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  • 28 rows As of PRAC file as downloaded 18 September 2026

    Federal Agencies by COVID-19 Dollars Obligated

    $928.91B Small Business Administration, first of 28 awarding agencies

    Small Business Administration: $928.91B1Small Business Administration$928.91B Department of the Treasury: $485.63B2Department of the Treasury$485.63B Department of Health and Human Services: $328.77B3Department of Health and Human Services$328.77B Department of Education: $280.38B4Department of Education$280.38B Department of Agriculture: $124.28B5Department of Agriculture$124.28B

    Obligations are commitments to spend, summed from the PRAC table; relief paid through the tax code, such as the Employee Retention Credit, is not an obligation and is absent.

    Method and source

    All 28 awarding agencies in the Pandemic Response Accountability Committee's funding table, ranked by the dollars they obligated from COVID-19 supplemental appropriations.

    Source table PRAC, Track the money: data

    Source vintage PRAC file as downloaded 18 September 2026

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  • 25 rows As of PRAC file as downloaded 18 September 2026

    Pandemic Programs by Dollars Obligated

    $811.58B Paycheck Protection Loan Program (PPP), first of 529 assistance listings

    Paycheck Protection Loan Program (PPP): $811.58B1Paycheck Protection Loan Program (PPP)$811.58B Education Stabilization Fund: $277.09B2Education Stabilization Fund$277.09B Coronavirus State and Local Fiscal Recovery Funds: $242.72B3Coronavirus State and Local Fiscal Recovery F…$242.72B HRSA COVID-19 Claims Reimbursement for the Uninsured Program and the COVID-19 Coverage Assistance Fund: $167.58B4HRSA COVID-19 Claims Reimbursement for the Un…$167.58B Coronavirus Relief Fund: $149.84B5Coronavirus Relief Fund$149.84B

    An assistance listing is an accounting label: PPP is one row for more than eleven million loans, while relief inside a block grant is invisible under the grant’s name.

    Method and source

    The 25 assistance listings that obligated the most COVID-19 supplemental money, out of 529 in the Pandemic Response Accountability Committee's funding table.

    Source table PRAC, Track the money: data

    Source vintage PRAC file as downloaded 18 September 2026

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Who was paid to lend it

PPP originators by book size and by the fee SBA’s schedule would have paid them, the banks that sold Main Street loans to the Federal Reserve, and the 19 institutions with PPP Liquidity Facility advances still outstanding.

Featured article · Who made money delivering relief

Who Made Money From Pandemic Relief

$1.70 billion owed to JPMorgan Chase, the most of any lender; Blueacorn, which made no loans, collected about $1.08 billion

Each figure is what the collector received and kept as far as its filings, audits and court records show; where they show nothing, it is the fee SBA’s schedule set on the lender’s own loans. Ranges rank at their midpoint.

23 fee collectors Published September 27, 2026

Read the ranking and its sources

Fees, $ millions, ranked by the article’s “Rank without Womply” column
JPMorgan Chase: 1,700.2 ($ millions)1JPMorgan Chase1,700.2 Bank of America: 1,491.1 ($ millions)2Bank of America1,491.1 Blueacorn: 1,080.0-1,086.0 ($ millions)3Blueacorn1,080.0-1,086.0 Cross River Bank: 1,034.6 ($ millions)4Cross River Bank1,034.6 Wells Fargo: 690.0 ($ millions)5Wells Fargo690.0 PNC Bank: 606.8 ($ millions)6PNC Bank606.8 Truist Bank: 588.5 ($ millions)7Truist Bank588.5 U.S. Bank: 506.9 ($ millions)8U.S. Bank506.9 TD Bank: 497.9 ($ millions)9TD Bank497.9 Itria Ventures: 473.4 ($ millions)10Itria Ventures473.4
  • 500 lenders As of SBA PPP FOIA 2024-09-30

    PPP lenders: the 500 largest books

    $44,111,851,716.69 JPMorgan Chase Bank, National Association, first of 500 by approved dollars; $659,065,090,673.01 across the 500

    JPMorgan Chase Bank, National Association: $44,111,851,716.691JPMorgan Chase Bank, National Asso…$44,111,851,716.69 Bank of America, National Association: $34,411,968,884.592Bank of America, National Associat…$34,411,968,884.59 PNC Bank, National Association: $17,321,532,877.143PNC Bank, National Association$17,321,532,877.14 Truist Bank: $16,207,232,060.294Truist Bank$16,207,232,060.29 Wells Fargo Bank, National Association: $13,777,713,764.695Wells Fargo Bank, National Associa…$13,777,713,764.69

    Ranked by the approved dollars in SBA’s per-lender totals; each lender page carries its rank by dollars and by loan count.

    Method and source

    PPP originating lenders by approved dollars. The 500 ranked rows hold 9,226,746 loans and $659,065,090,673.01 in approved dollars, and the Womply and Blueacorn platform networks appear in the same table without a rank; each lender page carries its row, its rank by dollars and by loan count, and the archive pages that name it.

    Source table PPP per-lender totals

    Source vintage SBA PPP FOIA 2024-09-30

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  • 25 rows As of SBA PPP FOIA 2024-09-30; filings & audits through 2024

    Who Made the Most Delivering Pandemic Relief

    $1,700.2M JPMorgan Chase leads PPP originating lenders; Blueacorn ($1,080.0M-$1,086.0M) leads reported agent receipts; RER Solutions (at least $357.3M) leads SBA contractors

    lenders
    19
    contractors
    4
    agents
    2

    Cross-program ranking of the 25 firms paid the most to deliver PPP and COVID-19 EIDL relief, with each row classified as reported, audited, or modeled.

    Method and source

    23 collectors from the reported series plus Citizens Bank ($293.2M) and Fifth Third Bank ($272.7M) from the SBA fee model; reconciles Harvest ($319.3M), Capital Plus ($305.7M), and Itria ($473.4M).

    Source table Who Made Money From Pandemic Relief & PPP per-lender totals

    Source vintage SBA PPP FOIA 2024-09-30; filings & audits through 2024

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  • 25 rows As of SBA PPP FOIA release of 30 September 2024; fees recalculated from the loan file on 19 September 2026

    PPP Lenders by Estimated Processing Fees

    $38.24B estimated processing fees across 4,688 originating lenders, modeled loan by loan from SBA’s schedule

    The 25 lenders listed$16.20B of $38.24BShare of the modeled fee pool

    Estimates, not payments: SBA never published what each lender was paid, so the published schedule is applied to every loan in the FOIA release.

    Method and source

    What the Paycheck Protection Program paid lenders to originate it — modeled loan by loan from SBA's published fee schedule, because SBA never published what each lender was actually paid.

    Source table PPP fee schedules by vintage

    Source vintage SBA PPP FOIA release of 30 September 2024; fees recalculated from the loan file on 19 September 2026

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  • 4 rows As of SBA PPP FOIA release of 30 September 2024; fee build June 2026

    What the 2021 Fee Schedule Was Worth, by Vintage

    $18.17B in fees on 5,136,260 loans from 2020 under the 2020 schedule, or $23.32B if the 2021 schedule had applied

    2020 — PPP first round2020 — PPP first round$18.17B$23.32B 2021 — first-draw loans under the second round2021 — first-draw loans under the second ro…$2.91B$8.34B 2021 — second-draw loans2021 — second-draw loans$8.42B$11.50B

    An exhibit, not a leaderboard: the same loans priced under each schedule in turn, from SBA’s published fee bands.

    Method and source

    The Paycheck Protection Program changed how it paid lenders between its 2020 and 2021 rounds. This is the fee pool each vintage of loans generated under the schedule that governed it, modeled from SBA's published schedules, and what the same loans would come to under the other one.

    Source table PPP fee schedules by vintage

    Source vintage SBA PPP FOIA release of 30 September 2024; fee build June 2026

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  • 25 rows As of Federal Reserve disclosure as of 12 April 2021

    Main Street Lenders by Participations Sold

    $1,907,140,089 City National Bank Of Florida, first of 320 lender-and-state pairs

    City National Bank Of Florida: $1,907,140,0891City National Bank Of Florida$1,907,140,089 Vista Bank: $736,921,4792Vista Bank$736,921,479 Bank Of America, National Association: $697,328,5003Bank Of America, National Association$697,328,500 Spirit Of Texas Bank, SSB: $410,751,9514Spirit Of Texas Bank, SSB$410,751,951 Commercewest Bank: $370,238,7505Commercewest Bank$370,238,750

    Sums the principal of the participations the Fed bought from each lender, as of 31 January 2021; in every transaction the participation is 95 percent of the loan.

    Method and source

    The 25 banks that sold the most Main Street loan principal to the Federal Reserve, out of 320 lender-and-state pairs in the Fed's transaction-specific disclosure.

    Source table Federal Reserve Main Street and PPPLF disclosures

    Source vintage Federal Reserve disclosure as of 12 April 2021

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  • 19 rows As of Federal Reserve disclosure of 13 April 2026, reporting advances as of 31 March 2026

    PPP Liquidity Facility: Institutions with Advances Still Outstanding

    $14.66B original advance amounts, summed, for the advances still outstanding on 31 March 2026

    institutions
    19
    advances
    346
    as of
    31 March 2026

    The tail of the facility, not a record of everything it lent: an institution absent here did not borrow, or has repaid.

    Method and source

    The 19 institutions that still had PPP Liquidity Facility advances outstanding on 31 March 2026, ranked by the original amount of those advances. This is the tail of the facility, not a record of everything it lent.

    Source table Federal Reserve Main Street and PPPLF disclosures

    Source vintage Federal Reserve disclosure of 13 April 2026, reporting advances as of 31 March 2026

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The largest single loans, grants and payments

The biggest Main Street loans, the Shuttered Venue grants at the $10 million cap, and the hospital systems paid the most from the Provider Relief Fund.

  • 25 rows As of Federal Reserve disclosure of 12 April 2021, reporting transactions as of 31 January 2021

    The Largest Main Street Lending Program Loans

    $300,000,000 Fitness International, LLC, the largest of 1,830 Main Street transactions

    Fitness International, LLC: $300,000,0001Fitness International, LLC$300,000,000 BCD Travel USA LLC: $250,000,0002BCD Travel USA LLC$250,000,000 KA73, LLC: $148,000,0003KA73, LLC$148,000,000 Finley Production Co LP: $130,000,0004Finley Production Co LP$130,000,000 Building Construction Partners, LLC: $95,394,0595Building Construction Partners, LLC$95,394,059

    The whole loan at the moment of purchase, not the Fed’s 95 percent share and not what is outstanding now; a borrower with two loans appears twice.

    Method and source

    The 25 largest loans the Federal Reserve's Main Street Lending Program bought a participation in, from the Fed's own transaction-specific disclosure.

    Source table Federal Reserve Main Street and PPPLF disclosures

    Source vintage Federal Reserve disclosure of 12 April 2021, reporting transactions as of 31 January 2021

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  • 25 rows As of SBA award file as of 5 July 2022

    The Largest Shuttered Venue Operators Grants

    $10,000,000 the program’s ceiling; 280 grantees were awarded exactly that, so every row is a tie at the cap

    230 FA LLC - SVOG: $10,000,0001230 FA LLC - SVOG$10,000,000 313 Presents, LLC - SVOG: $10,000,0002313 Presents, LLC - SVOG$10,000,000 ACE SL, LLC - SVOG: $10,000,0003ACE SL, LLC - SVOG$10,000,000 Adrienne Arsht Center Trust, Inc. - SVOG: $10,000,0004Adrienne Arsht Center Trust, Inc. - SVOG$10,000,000 AGDP Holding Inc. - SVOG: $10,000,0005AGDP Holding Inc. - SVOG$10,000,000

    Grouped from SBA’s 5 July 2022 award file by grantee name and state; ties at the cap are ordered alphabetically and measure nothing.

    Method and source

    The 25 largest Shuttered Venue Operators Grants, from SBA's award file. 280 grantees were awarded exactly $10 million, the program's ceiling, so every row below is a grantee at the cap.

    Source table SBA Shuttered Venue Operators Grant awards

    Source vintage SBA award file as of 5 July 2022

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  • 25 rows As of HRSA table as retrieved 21 July 2026

    Provider Relief Fund: the 25 Largest Recipients

    $1,217,422,679 NEW YORK CITY HEALTH HOSTITALS, as HRSA prints it, first of 418,720 payees

    NEW YORK CITY HEALTH HOSTITALS: $1,217,422,6791NEW YORK CITY HEALTH HOSTITALS$1,217,422,679 THE NEW YORK PRESBYTERIAN HOSPITAL: $741,523,4222THE NEW YORK PRESBYTERIAN HOSPITAL$741,523,422 STANFORD HEALTH CARE: $683,418,3813STANFORD HEALTH CARE$683,418,381 MONTEFIORE MEDICAL CENTER: $476,046,3764MONTEFIORE MEDICAL CENTER$476,046,376 NYU LANGONE HOSPITALS: $435,297,1435NYU LANGONE HOSPITALS$435,297,143

    Ranks the name on the payment, not the health system behind it; a system that billed through several subsidiaries is split across rows.

    Method and source

    Every Provider Relief Fund payment HRSA has published, summed by provider and ranked.

    Source table HHS Provider Relief Fund and ARP Rural payments

    Source vintage HRSA table as retrieved 21 July 2026

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Suspensions and prosecutions, by state and district

SBA’s 2026 borrower suspensions by jurisdiction, and where the Justice Department’s pandemic-fraud cases and announcements came from.

  • 57 rows As of SBA releases of 14 September 2026; dataset built 15 September 2026

    States by Suspended PPP and EIDL Borrowers

    118,167 borrowers suspended in Florida, first of 57 jurisdictions with a figure

    Florida: 118,1671Florida118,167 California: 111,6202California111,620 Illinois: 96,1283Illinois96,128 Texas: 88,8314Texas88,831 Georgia: 85,9755Georgia85,975

    A suspension is an administrative step, not a finding of fraud; 52 figures come from SBA’s release of 14 September 2026 and five from earlier 2026 releases.

    Method and source

    In September 2026 SBA said it had suspended about 870,000 pandemic-loan borrowers from further agency lending. This ranks that breakdown, with five jurisdictions carried from earlier 2026 releases.

    Source table SBA borrower suspensions by state, 2026

    Source vintage SBA releases of 14 September 2026; dataset built 15 September 2026

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  • 55 rows As of SBA releases of 14 September 2026; dataset built 15 September 2026

    States by Suspension Rate per 1,000 Pandemic Loans

    126.36 suspended borrowers per 1,000 PPP and COVID EIDL loans in Illinois, first of 55 ranked

    Illinois: 126.361Illinois126.36 Georgia: 117.182Georgia117.18 Louisiana: 94.003Louisiana94.00 Delaware: 92.924Delaware92.92 Nevada: 91.185Nevada91.18

    The numerator counts borrowers and the denominator counts loans, so this is a comparative index, not a probability; jurisdictions under 1,000 loans are excluded.

    Method and source

    SBA's suspensions of pandemic-loan borrowers, divided by how many PPP and COVID EIDL loans each jurisdiction had.

    Source table SBA borrower suspensions by state, 2026

    Source vintage SBA releases of 14 September 2026; dataset built 15 September 2026

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  • 89 districts As of Project database promoted 2026-07-10

    Pandemic-relief prosecutions by district

    58 sentencing rows in S.D. Fla., the most of 89 districts; 1,033 rows in all

    S.D. Fla.: 581S.D. Fla.58 C.D. Cal.: 432C.D. Cal.43 D. Mass.: 413D. Mass.41 M.D. Fla.: 404M.D. Fla.40 N.D. Ga.: 355N.D. Ga.35

    Counts rows in the archive’s pandemic-fraud sentences table per district; each district page lists its rows as the table prints them.

    Method and source

    Federal districts by rows in the pandemic-relief sentences table: 89 districts across 51 states and territories, 1,033 rows in all. Each district page lists the rows as the table prints them.

    Source table Pandemic-fraud sentencing outcomes

    Source vintage Project database promoted 2026-07-10

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  • 25 rows As of releases from 17 March 2020 to 2 October 2026

    Federal Districts by Pandemic-Fraud Cases Announced

    178 Justice Department pandemic-fraud releases from Massachusetts, first of 93 districts coded

    Massachusetts: 1781Massachusetts178 Florida, Middle: 1342Florida, Middle134 New Jersey: 1223New Jersey122 Florida, Southern: 1134Florida, Southern113 California, Central: 945California, Central94

    Counts announcements, not cases or convictions: one prosecution can produce several releases, and 271 releases carry no district.

    Method and source

    Which federal judicial districts the Justice Department's pandemic-fraud announcements came out of.

    Source table DOJ pandemic-fraud press index

    Source vintage releases from 17 March 2020 to 2 October 2026

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  • 25 rows As of releases from 17 March 2020 to 2 October 2026

    U.S. Attorney's Offices by Pandemic-Fraud Announcements

    182 releases announced by USAO - Massachusetts out of 3,093 in the index

    USAO - Massachusetts: 1821USAO - Massachusetts182 USAO - Florida, Middle: 1422USAO - Florida, Middle142 USAO - Florida, Southern: 1363USAO - Florida, Southern136 USAO - New Jersey: 1304USAO - New Jersey130 USAO - California, Central: 1205USAO - California, Central120

    Credits a release to every U.S. Attorney’s Office it names, so it will not agree row for row with the district list.

    Method and source

    Which offices announced the most pandemic-fraud press releases, counted from 3,093 Justice Department releases between March 2020 and October 2026.

    Source table DOJ pandemic-fraud press index

    Source vintage releases from 17 March 2020 to 2 October 2026

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Every figure on this page is read from the list page or the data-table page it links to. A ranking here is an ordering of a published table, not a judgment: the order follows the column the list names, and each list says how it breaks ties. Where a list is modeled rather than read, as the fee estimates are, the list says so and shows the model.

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