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        <filer>
          <filerCredentials>
            <cik>0001977288</cik>
            <ccc>XXXXXXXX</ccc>
          </filerCredentials>
        </filer>
        <liveTestFlag>LIVE</liveTestFlag>
  
  
  
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      <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>Davis Micah S</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
        <relationshipsToIssuer>
          <relationshipToIssuer>Officer</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>7519</noOfUnitsSold>
        <aggregateMarketValue>196237.57</aggregateMarketValue>
        <noOfUnitsOutstanding>45607984</noOfUnitsOutstanding>
        <approxSaleDate>05/07/2025</approxSaleDate>
        <securitiesExchangeName>NYSE</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>05/07/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Stock Option Exercise</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>119</amountOfSecuritiesAcquired>
        <paymentDate>05/07/2025</paymentDate>
        <natureOfPayment>Cash</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/12/2024</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1006</amountOfSecuritiesAcquired>
        <paymentDate>02/12/2024</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/13/2024</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1205</amountOfSecuritiesAcquired>
        <paymentDate>02/13/2024</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/14/2024</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>480</amountOfSecuritiesAcquired>
        <paymentDate>02/14/2024</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/22/2024</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>555</amountOfSecuritiesAcquired>
        <paymentDate>02/22/2024</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/10/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1006</amountOfSecuritiesAcquired>
        <paymentDate>02/10/2025</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/12/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>896</amountOfSecuritiesAcquired>
        <paymentDate>02/12/2025</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/13/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1268</amountOfSecuritiesAcquired>
        <paymentDate>02/13/2025</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/14/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>526</amountOfSecuritiesAcquired>
        <paymentDate>02/14/2025</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/24/2025</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>458</amountOfSecuritiesAcquired>
        <paymentDate>02/24/2025</paymentDate>
        <natureOfPayment>Compensation</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>05/07/2025</noticeDate>
        <signature>/s/ Jared Cook, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Micah Davis</signature>
      </noticeSignature>
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metadata_documents: [{"type": "144", "sequence": "1", "filename": "primary_doc.xml", "secsgml_size_bytes": 7654}]
text: 144
  0001977288
  XXXXXXXX
  LIVE
  0001462120
  Live Oak Bancshares, Inc.
  001-37497
  1741 TIBURON DRIVE
  WILMINGTON
  NC
  28403
  910-790-5867
  Davis Micah S
  Officer
  Common
  Fidelity Brokerage Services LLC
  900 Salem Street
  Smithfield
  RI
  02917
  7519
  196237.57
  45607984
  05/07/2025
  NYSE
  Common
  05/07/2025
  Stock Option Exercise
  Issuer
  N
  119
  05/07/2025
  Cash
  Common
  02/12/2024
  Restricted Stock Vesting
  Issuer
  N
  1006
  02/12/2024
  Compensation
  Common
  02/13/2024
  Restricted Stock Vesting
  Issuer
  N
  1205
  02/13/2024
  Compensation
  Common
  02/14/2024
  Restricted Stock Vesting
  Issuer
  N
  480
  02/14/2024
  Compensation
  Common
  02/22/2024
  Restricted Stock Vesting
  Issuer
  N
  555
  02/22/2024
  Compensation
  Common
  02/10/2025
  Restricted Stock Vesting
  Issuer
  N
  1006
  02/10/2025
  Compensation
  Common
  02/12/2025
  Restricted Stock Vesting
  Issuer
  N
  896
  02/12/2025
  Compensation
  Common
  02/13/2025
  Restricted Stock Vesting
  Issuer
  N
  1268
  02/13/2025
  Compensation
  Common
  02/14/2025
  Restricted Stock Vesting
  Issuer
  N
  526
  02/14/2025
  Compensation
  Common
  02/24/2025
  Restricted Stock Vesting
  Issuer
  N
  458
  02/24/2025
  Compensation
  Y
  05/07/2025
  /s/ Jared Cook, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Micah Davis