SBA 7(a) lenders in Harford, MD

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

71 institutions have SBA 7(a) loans on record in Harford, together $244.2M across 733 loans. Manufacturers and Traders Trust Company is the largest, with 20% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	398	$48.6M	19.9%	3.11%
2	First National Bank of Pennsylvania	25	$22.6M	9.3%	0.00%
3	Fulton Bank, National Association	9	$18.5M	7.6%	15.11%
4	Live Oak Banking Company	12	$17.3M	7.1%	0.00%
5	World Trade Finance, Inc.	3	$15.0M	6.1%	0.00%
6	Orrstown Bank	9	$13.8M	5.6%	1.77%
7	Truist Bank	34	$11.4M	4.7%	4.93%
8	Wells Fargo Bank National Association	35	$10.5M	4.3%	4.90%
9	Bank Five Nine	3	$7.0M	2.9%	0.00%
10	The Huntington National Bank	12	$6.1M	2.5%	0.00%
11	PNC Bank, National Association	29	$5.6M	2.3%	7.83%
12	PromiseOne Bank	2	$4.5M	1.8%	0.00%
13	Centerstone SBA Lending, Inc.	4	$4.0M	1.6%	0.00%
14	WesBanco Bank, Inc.	2	$3.8M	1.5%	0.00%
15	HomeTrust Bank	5	$3.7M	1.5%	0.00%
16	Readycap Lending, LLC	6	$3.7M	1.5%	6.04%
17	Banc of California	1	$3.6M	1.5%	0.00%
18	Mission Valley Bank	1	$2.8M	1.1%	0.00%
19	Applied Bank	1	$2.7M	1.1%	0.00%
20	Bank of America, National Association	9	$2.0M	0.8%	1.72%
21	Money One FCU	1	$2.0M	0.8%	0.00%
22	Grasshopper Bank National Association	1	$1.9M	0.8%	0.00%
23	Atlantic Union Bank	4	$1.9M	0.8%	37.34%
24	Harvest Small Business Finance, LLC	2	$1.9M	0.8%	0.00%
25	PCB Bank	3	$1.6M	0.7%	0.00%
26	First Bank of the Lake	3	$1.5M	0.6%	0.00%
27	Hana Bank USA National Association	1	$1.4M	0.6%	0.00%
28	Univest Bank and Trust Co	7	$1.3M	0.5%	0.00%
29	Ameris Bank	2	$1.3M	0.5%	0.00%
30	Northeast Bank	11	$1.2M	0.5%	0.00%
31	Firstrust Savings Bank	2	$1.2M	0.5%	0.00%
32	Newtek Bank, National Association	6	$1.1M	0.5%	0.00%
33	First Bank	3	$1.0M	0.4%	0.00%
34	First Financial Bank	1	$1.0M	0.4%	0.00%
35	Tioga-Franklin Savings Bank	2	$900K	0.4%	0.00%
36	Open Bank	1	$875K	0.4%	0.00%
37	United Midwest Savings Bank National Association	4	$832K	0.3%	0.00%
38	The Bancorp Bank National Association	1	$807K	0.3%	0.00%
39	TD Bank, National Association	13	$788K	0.3%	26.24%
40	Celtic Bank Corporation	7	$785K	0.3%	0.00%
41	First-Citizens Bank & Trust Company	2	$783K	0.3%	0.00%
42	Citizens Bank, National Association	3	$750K	0.3%	0.00%
43	BayFirst National Bank	4	$750K	0.3%	0.00%
44	Stearns Bank National Association	5	$744K	0.3%	10.77%
45	Customers Bank	1	$737K	0.3%	0.00%
46	Wilmington Savings Fund Society FSB	2	$690K	0.3%	0.00%
47	Federal Deposit Insurance Corporation	2	$661K	0.3%	39.33%
48	Rosedale Bank	1	$600K	0.2%	0.00%
49	United Community Bank	2	$565K	0.2%	0.00%
50	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$500K	0.2%	0.00%
51	Bank of Hope	3	$458K	0.2%	5.97%
52	Simmons Bank	2	$417K	0.2%	0.00%
53	Bank of Oak Ridge	1	$387K	0.2%	0.00%
54	SouthState Bank, National Association	1	$350K	0.1%	0.00%
55	Baltimore Community Lending, Inc.	1	$350K	0.1%	0.00%
56	Lendistry SBLC, LLC	1	$300K	0.1%	0.00%
57	Metro City Bank	1	$280K	0.1%	0.00%
58	Woori America Bank	1	$262K	0.1%	0.00%
59	CRF Small Business Loan Company, LLC	1	$260K	0.1%	0.00%
60	FinWise Bank	2	$250K	0.1%	0.00%
61	Point Breeze Credit Union	1	$250K	0.1%	0.00%
62	CDC Small Business Finance Corp.	1	$250K	0.1%	0.00%
63	Newtek Small Business Finance, Inc.	3	$218K	0.1%	34.53%
64	First Merchants Bank	1	$150K	0.1%	0.00%
65	Colony Bank	1	$150K	0.1%	0.00%
66	Stone Bank	1	$150K	0.1%	0.00%
67	Five Star Bank	1	$125K	0.1%	0.00%
68	Capital One National Association	2	$75K	0.0%	28.20%
69	The Ephrata National Bank	1	$68K	0.0%	0.00%
70	VelocitySBA, LLC	6	$58K	0.0%	12.86%
71	Columbia Bank	2	$40K	0.0%	3.27%

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	Accommodation & food services	86	$52.8M	21.6%
2	Health care & social assistance	69	$38.8M	15.9%
3	Retail trade	51	$21.6M	8.8%
4	Professional & technical services	91	$21.2M	8.7%
5	Wholesale trade	30	$20.5M	8.4%
6	Construction	109	$20.3M	8.3%
7	Other services	77	$16.8M	6.9%
8	Administrative & waste services	49	$10.6M	4.3%
9	Manufacturing	23	$10.5M	4.3%
10	Arts, entertainment & recreation	34	$7.0M	2.8%
11	Retail trade	20	$6.0M	2.4%
12	Manufacturing	6	$5.5M	2.3%
13	Finance & insurance	18	$4.1M	1.7%
14	Information	8	$2.5M	1.0%
15	Transportation & warehousing	23	$2.4M	1.0%
16	Real estate & leasing	11	$1.8M	0.7%
17	Educational services	17	$1.3M	0.5%
18	Transportation & warehousing	4	$258K	0.1%
19	Mining & extraction	3	$193K	0.1%
20	Manufacturing	2	$185K	0.1%
21	Utilities	1	$50K	0.0%
22	Agriculture, forestry & fishing	1	$22K	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.