SBA 7(a) lenders in Erie, NY

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

Lenders

95 institutions have SBA 7(a) loans on record in Erie, together $879.4M across 4,280 loans. Manufacturers and Traders Trust Company is the largest, with 29% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	1,815	$258.0M	29.3%	2.42%
2	KeyBank National Association	819	$155.6M	17.7%	2.07%
3	NBT Bank, National Association	424	$91.8M	10.4%	3.28%
4	Five Star Bank	237	$41.6M	4.7%	0.46%
5	CNB Bank	94	$27.0M	3.1%	0.98%
6	Northwest Bank	171	$26.3M	3.0%	0.00%
7	Live Oak Banking Company	28	$24.8M	2.8%	0.00%
8	New York Business Development Corporation	38	$19.2M	2.2%	6.50%
9	Wells Fargo Bank National Association	28	$15.3M	1.7%	1.38%
10	Citizens Bank, National Association	165	$12.8M	1.5%	3.96%
11	Celtic Bank Corporation	20	$11.5M	1.3%	0.97%
12	United Midwest Savings Bank National Association	15	$11.3M	1.3%	2.37%
13	Grow America Fund, Incorporated	8	$10.4M	1.2%	34.61%
14	Bank of America, National Association	27	$10.1M	1.2%	0.00%
15	Peapack Private Bank and Trust	3	$9.1M	1.0%	0.00%
16	The Huntington National Bank	25	$8.1M	0.9%	0.00%
17	Tompkins Community Bank	37	$7.7M	0.9%	4.42%
18	Stearns Bank National Association	9	$7.5M	0.9%	6.36%
19	Lender 2057189	8	$7.1M	0.8%	0.00%
20	Fifth Third Bank	6	$7.0M	0.8%	2.07%
21	Newtek Bank, National Association	20	$5.2M	0.6%	0.00%
22	First Bank	5	$5.2M	0.6%	0.00%
23	Port 51 Lending LLC	1	$5.0M	0.6%	0.00%
24	Wilmington Savings Fund Society FSB	1	$5.0M	0.6%	0.00%
25	Readycap Lending, LLC	13	$4.9M	0.6%	0.00%
26	Northeast Bank	21	$4.8M	0.5%	0.00%
27	Hanmi Bank	1	$4.6M	0.5%	0.00%
28	BayFirst National Bank	24	$4.2M	0.5%	1.10%
29	Community Bank, National Association	30	$4.0M	0.5%	1.04%
30	City National Bank	1	$4.0M	0.5%	0.00%
31	Shoreham Bank	4	$3.8M	0.4%	11.95%
32	First Commonwealth Bank	1	$3.6M	0.4%	0.00%
33	PCB Bank	1	$3.6M	0.4%	0.00%
34	Metro City Bank	2	$3.3M	0.4%	0.00%
35	Happen Bank	1	$3.1M	0.4%	0.00%
36	TD Bank, National Association	3	$3.0M	0.3%	24.46%
37	Peoples Bank	1	$2.9M	0.3%	0.00%
38	BCB Community Bank	1	$2.9M	0.3%	0.00%
39	Byline Bank	4	$2.9M	0.3%	0.00%
40	JPMorgan Chase Bank, National Association	6	$2.6M	0.3%	12.19%
41	HSBC Bank USA National Association	50	$2.5M	0.3%	4.49%
42	Lake Shore Bank	19	$2.4M	0.3%	0.00%
43	Bank of Hope	3	$2.3M	0.3%	0.00%
44	Farmers State Bank of Alto Pass, Illinois	1	$2.3M	0.3%	0.00%
45	Genesee Regional Bank	6	$2.0M	0.2%	0.00%
46	First National Bank of Pennsylvania	2	$1.8M	0.2%	0.00%
47	Banc of California	2	$1.6M	0.2%	0.00%
48	Genesis Bank	2	$1.6M	0.2%	0.00%
49	TowneBank	2	$1.2M	0.1%	0.00%
50	PromiseOne Bank	1	$1.1M	0.1%	0.00%
51	NYBDC Local Development Corporation dba Pursuit Community Finance	5	$1.1M	0.1%	0.00%
52	Evolve Bank and Trust	2	$1.0M	0.1%	0.00%
53	Commonwealth Business Bank	1	$1.0M	0.1%	0.00%
54	The Canandaigua National Bank and Trust Company	2	$990K	0.1%	0.00%
55	Gulf Coast Bank and Trust Company	2	$984K	0.1%	0.00%
56	Citizens Bank	1	$932K	0.1%	0.00%
57	IncredibleBank	1	$912K	0.1%	0.00%
58	HomeTrust Bank	1	$900K	0.1%	0.00%
59	National Cooperative Bank, National Association	1	$810K	0.1%	0.00%
60	Lendistry SBLC, LLC	3	$805K	0.1%	0.00%
61	Connecticut Community Bank, National Association	1	$800K	0.1%	0.00%
62	Royal Business Bank	1	$728K	0.1%	0.00%
63	Patriot Bank, National Association	1	$607K	0.1%	0.00%
64	Five Star Bank	3	$600K	0.1%	46.91%
65	North State Bank	2	$567K	0.1%	0.00%
66	PNC Bank, National Association	2	$550K	0.1%	0.00%
67	Bank Five Nine	2	$530K	0.1%	0.00%
68	Hana Bank USA National Association	1	$500K	0.1%	0.00%
69	Harvest Small Business Finance, LLC	1	$490K	0.1%	0.00%
70	Customers Bank	1	$461K	0.1%	0.00%
71	Community West Bank	1	$385K	0.0%	0.00%
72	Business Lenders, LLC	1	$347K	0.0%	0.00%
73	First Bank	1	$335K	0.0%	50.82%
74	Chemung Canal Trust Company	3	$310K	0.0%	0.00%
75	Nicolet National Bank	1	$300K	0.0%	0.00%
76	Bank of Holland	1	$280K	0.0%	0.00%
77	Independence Bank	2	$275K	0.0%	91.86%
78	Empire State Certified Development Corporation	2	$213K	0.0%	0.00%
79	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$200K	0.0%	0.00%
80	22nd State Bank, A Division of 22nd State Banking Company	1	$160K	0.0%	0.00%
81	Colony Bank	1	$150K	0.0%	0.00%
82	NexTier Bank, National Association	1	$150K	0.0%	0.00%
83	Hanover Community Bank	1	$150K	0.0%	0.00%
84	The Bancorp Bank National Association	1	$150K	0.0%	0.00%
85	FinWise Bank	1	$150K	0.0%	0.00%
86	The Bank of Princeton	1	$149K	0.0%	0.00%
87	Ocean Financial FCU	1	$130K	0.0%	0.00%
88	Capital One National Association	3	$110K	0.0%	0.00%
89	Lender 58140	1	$100K	0.0%	0.00%
90	Columbia Bank	1	$100K	0.0%	72.90%
91	VelocitySBA, LLC	8	$98K	0.0%	8.32%
92	U.S. Bank, National Association	2	$85K	0.0%	0.00%
93	Luminate Bank	1	$75K	0.0%	0.00%
94	ESL FCU	2	$67K	0.0%	0.00%
95	SoFi Bank, National Association	1	$13K	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	Accommodation & food services	580	$140.9M	16.0%
2	Construction	513	$82.4M	9.4%
3	Retail trade	397	$82.0M	9.3%
4	Health care & social assistance	356	$80.3M	9.1%
5	Professional & technical services	376	$75.7M	8.6%
6	Other services	437	$67.0M	7.6%
7	Manufacturing	203	$63.3M	7.2%
8	Wholesale trade	176	$60.7M	6.9%
9	Administrative & waste services	262	$40.0M	4.5%
10	Arts, entertainment & recreation	160	$32.2M	3.7%
11	Manufacturing	82	$28.4M	3.2%
12	Retail trade	183	$26.5M	3.0%
13	Transportation & warehousing	145	$18.9M	2.2%
14	Manufacturing	102	$18.6M	2.1%
15	Finance & insurance	84	$15.1M	1.7%
16	Real estate & leasing	63	$14.5M	1.7%
17	Information	50	$11.4M	1.3%
18	Educational services	64	$11.1M	1.3%
19	Management of companies	1	$5.0M	0.6%
20	Transportation & warehousing	16	$2.1M	0.2%
21	Agriculture, forestry & fishing	18	$1.4M	0.2%
22	Utilities	7	$1.2M	0.1%
23	Mining & extraction	3	$775K	0.1%
24	Public administration	2	$112K	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.