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          <ccc>XXXXXXXX</ccc>
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      <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>Garriott Huntley</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Affiliate</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</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>242033</noOfUnitsSold>
      <aggregateMarketValue>7873333.00</aggregateMarketValue>
      <noOfUnitsOutstanding>44363165</noOfUnitsOutstanding>
      <approxSaleDate>09/06/2023</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>01/13/2021</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Units</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>242033</amountOfSecuritiesAcquired>
      <paymentDate>01/13/2021</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Michael Huntley Garriott Jr. &amp; Emily Brooks Garriott</name>
        <address>
          <com:street1>C/O Live Oak Bancshares, Inc.,</com:street1>
          <com:street2>1741 Tiburon Drive</com:street2>
          <com:city>Wilmington</com:city>
          <com:stateOrCountry>NC</com:stateOrCountry>
          <com:zipCode>28403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <saleDate>08/29/2023</saleDate>
      <amountOfSecuritiesSold>28506</amountOfSecuritiesSold>
      <grossProceeds>943326.22</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Michael Huntley Garriott Jr &amp; Emily Brooks Garriott</name>
        <address>
          <com:street1>C/O Live Oak Bancshares, Inc.</com:street1>
          <com:street2>1741 Tiburon Drive</com:street2>
          <com:city>Wilmingtron</com:city>
          <com:stateOrCountry>NC</com:stateOrCountry>
          <com:zipCode>28403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <saleDate>08/30/2023</saleDate>
      <amountOfSecuritiesSold>33185</amountOfSecuritiesSold>
      <grossProceeds>1064601.22</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Michael Huntley Garriott Jr &amp; Emily Brooks Garriott</name>
        <address>
          <com:street1>C/O Live Oak Bancshares, Inc.</com:street1>
          <com:street2>1741 Tiburon Drive</com:street2>
          <com:city>Wilmington</com:city>
          <com:stateOrCountry>NC</com:stateOrCountry>
          <com:zipCode>28403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <saleDate>08/31/2023</saleDate>
      <amountOfSecuritiesSold>76409</amountOfSecuritiesSold>
      <grossProceeds>2470065.31</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Michael Huntley Garriott Jr &amp; Emily Brooks Garriott</name>
        <address>
          <com:street1>C/O Live Oak Bancshares, Inc.</com:street1>
          <com:street2>1741 Tiburon Drive</com:street2>
          <com:city>Wilminton</com:city>
          <com:stateOrCountry>NC</com:stateOrCountry>
          <com:zipCode>28403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <saleDate>09/01/2023</saleDate>
      <amountOfSecuritiesSold>61900</amountOfSecuritiesSold>
      <grossProceeds>199904.82</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Table I Acquisition Dates 1/13/2021 - 2/22/2023</remarks>
    <noticeSignature>
      <noticeDate>09/06/2023</noticeDate>
      <signature>Michael Huntley Garriott Jr</signature>
    </noticeSignature>
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144
0001754522
XXXXXXXX
LIVE
0001462120
Live Oak Bancshares, Inc.
001-37497
1741 TIBURON DRIVE
WILMINGTON
NC
28403
910-790-5867
Garriott Huntley
Affiliate
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
242033
7873333.00
44363165
09/06/2023
NYSE
Common
01/13/2021
Restricted Stock Units
Issuer
N
242033
01/13/2021
Equity Compensation
N
Michael Huntley Garriott Jr. & Emily Brooks Garriott
C/O Live Oak Bancshares, Inc.,
1741 Tiburon Drive
Wilmington
NC
28403
Common
08/29/2023
28506
943326.22
Michael Huntley Garriott Jr & Emily Brooks Garriott
C/O Live Oak Bancshares, Inc.
1741 Tiburon Drive
Wilmingtron
NC
28403
Common
08/30/2023
33185
1064601.22
Michael Huntley Garriott Jr & Emily Brooks Garriott
C/O Live Oak Bancshares, Inc.
1741 Tiburon Drive
Wilmington
NC
28403
Common
08/31/2023
76409
2470065.31
Michael Huntley Garriott Jr & Emily Brooks Garriott
C/O Live Oak Bancshares, Inc.
1741 Tiburon Drive
Wilminton
NC
28403
Common
09/01/2023
61900
199904.82
Table I Acquisition Dates 1/13/2021 - 2/22/2023
09/06/2023
Michael Huntley Garriott Jr