X0609 4 2026-10-26 0 0001462120 Live Oak Bancshares, Inc. LOB 0001656656 Seward Gregory W false 1741 TIBURON DRIVE WILMINGTON NC 28403 0 1 0 0 General Counsel 1 Voting Common Stock 2026-10-26 4 S 0 4514 35.2602 D 109283 D Voting Common Stock 2026-10-26 4 S 0 486 35.7734 D 108797 D Restricted Stock Units Voting Common Stock 2370 2370 D Restricted Stock Units Voting Common Stock 23898 23898 D Restricted Stock Units Voting Common Stock 8262 8262 D Restricted Stock Units Voting Common Stock 7412 7412 D Restricted Stock Units Voting Common Stock 8383 8383 D The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on February 27, 2026. This transaction was executed in multiple trades at prices ranging from $34.67 to $35.58. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected. This transaction was executed in multiple trades at prices ranging from $35.73 to $35.82. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected. Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five equal annual installments beginning on February 12, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five equal annual installments beginning on February 10, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date. /s/ Jonathan A. Greene, by Power of Attorney 2026-10-28