<?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>0001648958</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>Smits Steve</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>The Charles Schwab Corporation</name>
        <address>
          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>25000</noOfUnitsSold>
      <aggregateMarketValue>1005500.00</aggregateMarketValue>
      <noOfUnitsOutstanding>45035289</noOfUnitsOutstanding>
      <approxSaleDate>08/16/2024</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>11/24/2020</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Award</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>16500</amountOfSecuritiesAcquired>
      <paymentDate>11/24/2020</paymentDate>
      <natureOfPayment>Restricted Stock Award</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>12/08/2020</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Award</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>5500</amountOfSecuritiesAcquired>
      <paymentDate>12/08/2020</paymentDate>
      <natureOfPayment>Restricted Stock Award</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>12/16/2020</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Award</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>3000</amountOfSecuritiesAcquired>
      <paymentDate>12/16/2020</paymentDate>
      <natureOfPayment>Restricted Stock Award</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <remarks>Shares being sold out of account titled: Steven Joseph Smits Ttee Steven J. Smits Revocable Trust U/A Dtd 05/18/2017</remarks>
    <noticeSignature>
      <noticeDate>08/16/2024</noticeDate>
      <signature>Steven Joseph Smits</signature>
    </noticeSignature>
  </formData>
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144
0001648958
XXXXXXXX
LIVE
0001462120
Live Oak Bancshares, Inc.
001-37497
1741 TIBURON DRIVE
WILMINGTON
NC
28403
910-790-5867
Smits Steve
Director
Common
The Charles Schwab Corporation
3000 Schwab Way
Westlake
TX
76262
25000
1005500.00
45035289
08/16/2024
NYSE
Common
11/24/2020
Restricted Stock Award
Issuer
N
16500
11/24/2020
Restricted Stock Award
Common
12/08/2020
Restricted Stock Award
Issuer
N
5500
12/08/2020
Restricted Stock Award
Common
12/16/2020
Restricted Stock Award
Issuer
N
3000
12/16/2020
Restricted Stock Award
Y
Shares being sold out of account titled: Steven Joseph Smits Ttee Steven J. Smits Revocable Trust U/A Dtd 05/18/2017
08/16/2024
Steven Joseph Smits