<SEC-DOCUMENT>0001959173-25-002892.txt : 20250506
<SEC-HEADER>0001959173-25-002892.hdr.sgml : 20250506
<ACCEPTANCE-DATETIME>20250506094046
ACCESSION NUMBER:		0001959173-25-002892
CONFORMED SUBMISSION TYPE:	144
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250506
DATE AS OF CHANGE:		20250506

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Live Oak Bancshares, Inc.
		CENTRAL INDEX KEY:			0001462120
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				264596286
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		144
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	001-37497
		FILM NUMBER:		25915675

	BUSINESS ADDRESS:	
		STREET 1:		1741 TIBURON DRIVE
		CITY:			WILMINGTON
		STATE:			NC
		ZIP:			28403
		BUSINESS PHONE:		910-790-5867

	MAIL ADDRESS:	
		STREET 1:		1741 TIBURON DRIVE
		CITY:			WILMINGTON
		STATE:			NC
		ZIP:			28403

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bradford Tonya Williams
		CENTRAL INDEX KEY:			0001824584
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		144

	MAIL ADDRESS:	
		STREET 1:		C/O LIVE OAK BANCSHARES, INC.
		STREET 2:		1741 TIBURON DRIVE
		CITY:			WILMINGTON
		STATE:			NC
		ZIP:			28403
</SEC-HEADER>
<DOCUMENT>
<TYPE>144
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001824584</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <issuerInfo>
      <issuerCik>0001462120</issuerCik>
      <issuerName>Live Oak Bancshares, Inc.</issuerName>
      <secFileNumber>001-37497</secFileNumber>
      <issuerAddress>
        <com:street1>1741 TIBURON DRIVE</com:street1>
        <com:city>WILMINGTON</com:city>
        <com:stateOrCountry>NC</com:stateOrCountry>
        <com:zipCode>28403</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>910-790-5867</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Bradford Tonya Williams</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Fidelity Brokerage Services LLC</name>
        <address>
          <com:street1>900 Salem Street</com:street1>
          <com:city>Smithfield</com:city>
          <com:stateOrCountry>RI</com:stateOrCountry>
          <com:zipCode>02917</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>2500</noOfUnitsSold>
      <aggregateMarketValue>66275.00</aggregateMarketValue>
      <noOfUnitsOutstanding>45565314</noOfUnitsOutstanding>
      <approxSaleDate>05/06/2025</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>05/01/2024</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>2500</amountOfSecuritiesAcquired>
      <paymentDate>05/01/2024</paymentDate>
      <natureOfPayment>Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>05/06/2025</noticeDate>
      <signature>/s/ Daniel Tucci, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Tonya Bradford</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
