SBA 7(a) lenders in Middlesex, MA

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-09-30.

Lenders

192 institutions have SBA 7(a) loans on record in Middlesex, together $1.59B across 7,432 loans. Eastern Bank is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Eastern Bank	2,118	$212.0M	13.3%	2.69%
2	Live Oak Banking Company	92	$113.7M	7.2%	0.30%
3	Rockland Trust Company	497	$97.1M	6.1%	0.67%
4	Leader Bank, National Association	386	$70.2M	4.4%	0.36%
5	Citizens Bank, National Association	480	$66.2M	4.2%	1.88%
6	Santander Bank, National Association	403	$65.4M	4.1%	0.87%
7	TD Bank, National Association	467	$61.8M	3.9%	3.06%
8	Salem Five Cents Savings Bank	173	$59.4M	3.7%	0.72%
9	Beacon Bank and Trust	179	$56.1M	3.5%	0.23%
10	Cambridge Savings Bank	351	$52.0M	3.3%	2.59%
11	Wells Fargo Bank National Association	44	$36.5M	2.3%	1.22%
12	Middlesex Savings Bank	178	$30.1M	1.9%	0.93%
13	Avidia Bank	71	$29.3M	1.8%	0.88%
14	Bank of America, National Association	91	$28.0M	1.8%	0.19%
15	Northern Bank and Trust Company	63	$27.6M	1.7%	1.82%
16	Newtek Bank, National Association	65	$25.8M	1.6%	0.00%
17	Manufacturers and Traders Trust Company	138	$23.7M	1.5%	2.15%
18	Customers Bank	23	$21.3M	1.3%	0.00%
19	The Huntington National Bank	54	$19.6M	1.2%	0.00%
20	Byline Bank	19	$17.9M	1.1%	2.32%
21	Northeast Bank	90	$17.8M	1.1%	9.61%
22	Happen Bank	41	$15.7M	1.0%	1.99%
23	Celtic Bank Corporation	50	$15.6M	1.0%	1.01%
24	Needham Bank	66	$15.4M	1.0%	0.14%
25	Newtek Small Business Finance, LLC	32	$13.4M	0.8%	0.00%
26	United Midwest Savings Bank National Association	36	$12.3M	0.8%	1.88%
27	First Bank of the Lake	12	$11.6M	0.7%	0.00%
28	St. Mary's CU	211	$10.7M	0.7%	0.85%
29	Citibank, N.A.	18	$10.6M	0.7%	1.97%
30	First-Citizens Bank & Trust Company	22	$10.4M	0.7%	0.00%
31	MutualOne Bank	72	$10.2M	0.6%	1.71%
32	SouthState Bank, National Association	8	$9.5M	0.6%	0.00%
33	Independence Bank	26	$9.2M	0.6%	58.15%
34	Readycap Lending, LLC	36	$9.0M	0.6%	6.50%
35	First National Bank of Pennsylvania	10	$8.2M	0.5%	0.00%
36	Stearns Bank National Association	17	$8.2M	0.5%	0.00%
37	MASSACHUSETTS BUSINESS	6	$8.0M	0.5%	0.00%
38	The Lowell Five Cent Savings Bank	16	$8.0M	0.5%	1.95%
39	Pentucket Bank	9	$7.9M	0.5%	0.00%
40	Cornerstone Bank	17	$7.5M	0.5%	13.55%
41	The Bancorp Bank National Association	8	$7.4M	0.5%	1.33%
42	TruNorth Bank	24	$7.4M	0.5%	5.53%
43	Workers FCU	64	$7.3M	0.5%	3.72%
44	Camden National Bank	8	$7.2M	0.5%	0.00%
45	BayFirst National Bank	40	$7.0M	0.4%	9.04%
46	First Internet Bank of Indiana	3	$6.5M	0.4%	0.00%
47	Shoreham Bank	10	$6.2M	0.4%	0.00%
48	UniBank for Savings	33	$5.8M	0.4%	2.48%
49	Bank Five Nine	8	$5.5M	0.3%	0.00%
50	Paragon Bank	3	$5.5M	0.3%	0.00%
51	Fidelity Co-Operative Bank	16	$5.2M	0.3%	4.71%
52	TowneBank	10	$5.1M	0.3%	0.00%
53	First Utah Bank	1	$5.0M	0.3%	0.00%
54	Ameris Bank	6	$4.9M	0.3%	0.00%
55	Enterprise Bank & Trust	2	$4.7M	0.3%	0.00%
56	East Cambridge Savings Bank	19	$4.6M	0.3%	2.11%
57	Hancock Whitney Bank	2	$4.5M	0.3%	0.00%
58	Pathward National Association	5	$4.4M	0.3%	0.00%
59	22nd State Bank, A Division of 22nd State Banking Company	2	$4.3M	0.3%	0.00%
60	Hanover Community Bank	3	$4.1M	0.3%	0.00%
61	Popular Bank	11	$3.5M	0.2%	23.00%
62	PNC Bank, National Association	6	$3.5M	0.2%	0.00%
63	KeyBank National Association	15	$3.4M	0.2%	1.45%
64	Primary Bank	9	$3.4M	0.2%	0.00%
65	Main Street Bank	22	$3.3M	0.2%	0.00%
66	The Millyard Bank	6	$2.9M	0.2%	0.00%
67	Eagle Bank	6	$2.8M	0.2%	0.00%
68	Barrington Bank & Trust Company, National Association	2	$2.8M	0.2%	0.00%
69	Bay State Savings Bank	3	$2.6M	0.2%	0.00%
70	Simmons Bank	8	$2.6M	0.2%	6.11%
71	Associated Bank National Association	7	$2.5M	0.2%	0.00%
72	JPMorgan Chase Bank, National Association	11	$2.5M	0.2%	0.00%
73	Western State Bank	1	$2.5M	0.2%	0.00%
74	VelocitySBA, LLC	16	$2.5M	0.2%	1.79%
75	Pinnacle Bank	2	$2.5M	0.2%	0.00%
76	American Momentum Bank	2	$2.4M	0.2%	0.00%
77	The Village Bank	6	$2.4M	0.1%	0.00%
78	Colony Bank	4	$2.4M	0.1%	0.00%
79	Lendistry SBLC, LLC	12	$2.2M	0.1%	0.00%
80	Mid Penn Bank	1	$2.1M	0.1%	0.00%
81	Bar Harbor Bank & Trust	2	$2.0M	0.1%	0.00%
82	Digital Federal Credit Union, A Division of First Technology Federal Credit Union	22	$2.0M	0.1%	4.96%
83	US Eagle FCU	1	$2.0M	0.1%	0.00%
84	Penn Security Bank & Trust Co.	1	$2.0M	0.1%	0.00%
85	CapitalSpring SBLC, LLC	1	$2.0M	0.1%	0.00%
86	Hanscom FCU	14	$2.0M	0.1%	0.00%
87	Patriot Bank, National Association	2	$1.9M	0.1%	0.00%
88	Hanmi Bank	2	$1.9M	0.1%	0.00%
89	Milestone Bank	2	$1.8M	0.1%	0.00%
90	Coastal Heritage Bank	3	$1.8M	0.1%	0.00%
91	Jeanne D' Arc CU	10	$1.8M	0.1%	9.12%
92	Climate First Bank	2	$1.8M	0.1%	0.00%
93	Truist Bank	3	$1.7M	0.1%	0.00%
94	Citizens Bank	3	$1.7M	0.1%	0.00%
95	Newburyport Five Cents Savings Bank	6	$1.6M	0.1%	0.00%
96	Bristol County Savings Bank	7	$1.6M	0.1%	0.00%
97	Northwest Bank	2	$1.6M	0.1%	0.00%
98	The Savings Bank	9	$1.6M	0.1%	0.00%
99	East West Bank	5	$1.5M	0.1%	0.00%
100	Port 51 Lending LLC	2	$1.5M	0.1%	0.00%
101	First Bank	3	$1.5M	0.1%	0.00%
102	First Merchants Bank	2	$1.5M	0.1%	0.00%
103	Baycoast Bank	4	$1.4M	0.1%	0.00%
104	GFA FCU	4	$1.4M	0.1%	0.00%
105	Align Credit Union	12	$1.4M	0.1%	0.00%
106	Five Star Bank	4	$1.4M	0.1%	0.00%
107	BrightBridge Credit Union	18	$1.3M	0.1%	0.00%
108	Grasshopper Bank National Association	3	$1.2M	0.1%	0.00%
109	Metro CU	8	$1.2M	0.1%	0.00%
110	FDIC - Community Bank & Trust-West Georgia	2	$1.2M	0.1%	0.00%
111	United Community Bank	3	$1.2M	0.1%	0.00%
112	Banc of California	2	$1.1M	0.1%	0.00%
113	Harvest Small Business Finance, LLC	2	$1.1M	0.1%	0.00%
114	Charles River Bank	7	$1.1M	0.1%	0.00%
115	MVB Bank, Inc.	1	$1.1M	0.1%	0.00%
116	Fifth Third Bank	3	$1.1M	0.1%	0.00%
117	FWBank	1	$1.0M	0.1%	0.00%
118	Metro City Bank	1	$1.0M	0.1%	0.00%
119	Community West Bank	1	$1.0M	0.1%	0.00%
120	The Freedom Bank of Virginia	1	$1.0M	0.1%	0.00%
121	U.S. Bank, National Association	4	$923K	0.1%	0.00%
122	Kennebunk Savings Bank	3	$900K	0.1%	0.00%
123	CRF Small Business Loan Company, LLC	2	$870K	0.1%	0.00%
124	Evolve Bank and Trust	2	$838K	0.1%	0.00%
125	Everett Co-operative Bank	8	$793K	0.0%	0.00%
126	Triangle CU	6	$775K	0.0%	0.00%
127	BankUnited, National Association	2	$768K	0.0%	0.00%
128	Navigant CU	2	$760K	0.0%	0.00%
129	CenTrust Bank, A Division of SmartBiz Bank National Association	5	$750K	0.0%	0.00%
130	Wilmington Savings Fund Society FSB	2	$749K	0.0%	0.00%
131	North Easton Savings Bank	3	$748K	0.0%	0.00%
132	Rollstone Bank & Trust	3	$743K	0.0%	0.00%
133	Bangor Savings Bank	2	$725K	0.0%	57.55%
134	IncredibleBank	1	$700K	0.0%	0.00%
135	PCB Bank	2	$660K	0.0%	0.00%
136	Atlantic Union Bank	1	$650K	0.0%	0.00%
137	Stone Bank	4	$625K	0.0%	0.00%
138	Webster Five Cents Savings Bank	9	$590K	0.0%	0.00%
139	South Shore Bank	4	$550K	0.0%	0.00%
140	All One Credit Union	3	$547K	0.0%	0.00%
141	Southern Bank	1	$528K	0.0%	0.00%
142	Seacoast National Bank	3	$500K	0.0%	0.00%
143	Gulf Coast Bank and Trust Company	1	$497K	0.0%	0.00%
144	Florida Capital Bank, National Association	2	$475K	0.0%	0.00%
145	Salem Co-operative Bank	3	$430K	0.0%	0.00%
146	Vision One CU	1	$400K	0.0%	0.00%
147	Titan Bank, National Association	1	$400K	0.0%	0.00%
148	Federal Deposit Insurance Corporation	1	$400K	0.0%	0.00%
149	Bank of Hope	3	$398K	0.0%	0.00%
150	Marblehead Bank	3	$384K	0.0%	0.00%
151	Centreville Bank	1	$380K	0.0%	0.00%
152	NorthEast Community Bank	2	$380K	0.0%	0.00%
153	Dedham Institution for Savings	2	$350K	0.0%	25.69%
154	BDC Community Capital Corporation	1	$350K	0.0%	0.00%
155	TruNorth Bank	2	$345K	0.0%	19.45%
156	GBank	1	$340K	0.0%	0.00%
157	Mechanics Cooperative Bank	2	$327K	0.0%	0.00%
158	The Cooperative Bank	1	$320K	0.0%	0.00%
159	Homefield Credit Union	1	$300K	0.0%	0.00%
160	Bluestone Bank	1	$300K	0.0%	0.00%
161	Webster First FCU	1	$300K	0.0%	0.00%
162	First Commonwealth Bank	1	$295K	0.0%	0.00%
163	New Millennium Bank	2	$290K	0.0%	0.00%
164	City National Bank of Florida	1	$250K	0.0%	0.00%
165	Webster Bank National Association	1	$250K	0.0%	0.00%
166	Machias Savings Bank	1	$250K	0.0%	0.00%
167	Ascendus, Inc.	2	$237K	0.0%	0.00%
168	Fall River Five Cents Savings Bank d/b/a BankFive	2	$225K	0.0%	0.00%
169	Reading Co-Operative Bank	4	$225K	0.0%	0.00%
170	Capital One National Association	5	$225K	0.0%	19.93%
171	Granite State CU	2	$210K	0.0%	0.00%
172	Grow America Fund, Incorporated	1	$209K	0.0%	0.00%
173	Envision Bank	1	$200K	0.0%	0.00%
174	Capital Bank, National Association	1	$200K	0.0%	0.00%
175	Liberty Bay Credit Union	4	$185K	0.0%	0.00%
176	Heritage Bank Inc	1	$150K	0.0%	0.00%
177	Cathay Bank	1	$150K	0.0%	0.00%
178	SBA CLSC Servicing	1	$150K	0.0%	0.00%
179	BankGloucester	1	$150K	0.0%	0.00%
180	MountainOne Bank	1	$150K	0.0%	0.00%
181	Dean Co-operative Bank	1	$150K	0.0%	0.00%
182	Bank of New England	1	$150K	0.0%	75.16%
183	Adams Community Bank	1	$150K	0.0%	0.00%
184	University Credit Union	1	$135K	0.0%	0.00%
185	DR Bank	1	$134K	0.0%	0.00%
186	Institution for Savings In Newburyport and its Vicinity	1	$120K	0.0%	82.72%
187	South Eastern Economic Development Corporation	1	$100K	0.0%	79.78%
188	Partners Bank of New England	1	$100K	0.0%	0.00%
189	Community Investment Corporation	1	$75K	0.0%	0.00%
190	Central One FCU	1	$50K	0.0%	0.00%
191	The Bank of Canton	1	$50K	0.0%	0.00%
192	Service FCU	1	$34K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Professional & technical services	1,066	$219.5M	13.8%
2	Construction	1,085	$196.1M	12.3%
3	Health care & social assistance	647	$190.6M	12.0%
4	Other services	759	$151.1M	9.5%
5	Accommodation & food services	742	$150.7M	9.5%
6	Retail trade	585	$120.5M	7.6%
7	Administrative & waste services	519	$92.8M	5.8%
8	Manufacturing	204	$67.7M	4.3%
9	Arts, entertainment & recreation	212	$61.1M	3.8%
10	Wholesale trade	230	$50.7M	3.2%
11	Retail trade	251	$43.0M	2.7%
12	Transportation & warehousing	240	$37.5M	2.4%
13	Finance & insurance	118	$36.3M	2.3%
14	Educational services	171	$35.1M	2.2%
15	Manufacturing	151	$32.5M	2.0%
16	Real estate & leasing	160	$31.9M	2.0%
17	Manufacturing	105	$28.2M	1.8%
18	Information	108	$23.2M	1.5%
19	Transportation & warehousing	39	$10.9M	0.7%
20	Mining & extraction	3	$5.0M	0.3%
21	Management of companies	2	$1.4M	0.1%
22	Utilities	11	$1.3M	0.1%
23	Agriculture, forestry & fishing	20	$1.2M	0.1%
24	Public administration	4	$352K	0.0%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.