SBA 7(a) lenders in Monroe, NY

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

Lenders

89 institutions have SBA 7(a) loans on record in Monroe, together $810.8M across 4,306 loans. Manufacturers and Traders Trust Company is the largest, with 23% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	1,395	$184.3M	22.7%	2.42%
2	Genesee Regional Bank	372	$111.7M	13.8%	0.68%
3	ESL FCU	671	$71.1M	8.8%	1.19%
4	KeyBank National Association	344	$61.3M	7.6%	1.78%
5	Five Star Bank	415	$52.2M	6.4%	4.72%
6	The Canandaigua National Bank and Trust Company	263	$48.9M	6.0%	0.67%
7	Live Oak Banking Company	29	$27.5M	3.4%	1.37%
8	New York Business Development Corporation	29	$24.7M	3.0%	1.47%
9	Wells Fargo Bank National Association	49	$24.4M	3.0%	7.92%
10	The Lyons National Bank	85	$20.3M	2.5%	9.34%
11	Celtic Bank Corporation	17	$18.2M	2.2%	0.75%
12	Citizens Bank, National Association	193	$17.9M	2.2%	0.39%
13	Tompkins Community Bank	57	$9.4M	1.2%	1.74%
14	JPMorgan Chase Bank, National Association	82	$9.2M	1.1%	3.08%
15	Newtek Small Business Finance, Inc.	12	$8.9M	1.1%	8.27%
16	Hanover Community Bank	2	$6.9M	0.8%	0.00%
17	NBT Bank, National Association	7	$5.3M	0.6%	9.09%
18	Cogent Bank	1	$5.0M	0.6%	0.00%
19	TowneBank	2	$5.0M	0.6%	0.00%
20	Newtek Bank, National Association	10	$4.9M	0.6%	0.00%
21	The Huntington National Bank	14	$4.8M	0.6%	0.00%
22	US Eagle FCU	1	$4.7M	0.6%	0.00%
23	BayFirst National Bank	22	$4.6M	0.6%	2.15%
24	Bank of America, National Association	18	$4.5M	0.6%	1.04%
25	Peapack Private Bank and Trust	1	$4.2M	0.5%	0.00%
26	FDIC - Community Bank & Trust-West Georgia	4	$4.0M	0.5%	0.00%
27	The Bank of Princeton	1	$3.6M	0.5%	0.00%
28	IncredibleBank	1	$3.5M	0.4%	0.00%
29	Woori America Bank	1	$3.5M	0.4%	0.00%
30	Centerstone SBA Lending, Inc.	1	$3.3M	0.4%	0.00%
31	HSBC Bank USA National Association	30	$3.2M	0.4%	1.33%
32	United Midwest Savings Bank National Association	12	$3.2M	0.4%	1.54%
33	Readycap Lending, LLC	10	$2.8M	0.4%	0.00%
34	Northwest Bank	16	$2.4M	0.3%	0.00%
35	Community Bank, National Association	12	$2.4M	0.3%	0.00%
36	Byline Bank	5	$2.3M	0.3%	6.42%
37	Hanmi Bank	1	$2.3M	0.3%	0.00%
38	Northeast Bank	20	$2.2M	0.3%	0.00%
39	Wayne Bank	6	$2.2M	0.3%	4.53%
40	Banc of California	1	$1.9M	0.2%	0.00%
41	The Upstate National Bank	11	$1.9M	0.2%	12.85%
42	HomeTrust Bank	1	$1.8M	0.2%	0.00%
43	North Valley Bank	2	$1.8M	0.2%	0.00%
44	First Internet Bank of Indiana	1	$1.7M	0.2%	0.00%
45	Firstrust Savings Bank	1	$1.4M	0.2%	0.00%
46	University Bank	1	$1.3M	0.2%	0.00%
47	United FCU	1	$1.2M	0.1%	0.00%
48	Farmers State Bank of Alto Pass, Illinois	1	$1.1M	0.1%	0.00%
49	Corning FCU	2	$1.0M	0.1%	0.00%
50	New Millennium Bank	1	$1.0M	0.1%	0.00%
51	Reliant Community Federal Credit Union	10	$947K	0.1%	3.45%
52	First National Bank of Pennsylvania	2	$825K	0.1%	0.00%
53	Kinecta FCU	1	$800K	0.1%	0.00%
54	National Cooperative Bank, National Association	1	$720K	0.1%	12.61%
55	Lendistry SBLC, LLC	4	$674K	0.1%	0.00%
56	Small Business Loan Source, LLC	1	$671K	0.1%	0.00%
57	Unity Bank	1	$660K	0.1%	34.96%
58	NYBDC Local Development Corporation dba Pursuit Community Finance	3	$644K	0.1%	0.00%
59	Shoreham Bank	1	$575K	0.1%	0.00%
60	Popular Bank	4	$531K	0.1%	42.04%
61	Five Star Bank	2	$470K	0.1%	0.00%
62	The Bank of Castile	1	$450K	0.1%	0.00%
63	Simmons Bank	1	$426K	0.1%	92.59%
64	America First Federal Credit Union	1	$397K	0.0%	0.00%
65	Empire State Certified Development Corporation	3	$375K	0.0%	0.00%
66	Hana Bank USA National Association	1	$375K	0.0%	0.00%
67	Citizens & Northern Bank	1	$350K	0.0%	0.00%
68	Carver State Bank	1	$350K	0.0%	46.01%
69	United Community Bank	1	$344K	0.0%	0.00%
70	Fifth Third Bank	1	$339K	0.0%	0.00%
71	Bank Five Nine	1	$324K	0.0%	0.00%
72	North State Bank	1	$300K	0.0%	0.00%
73	TD Bank, National Association	2	$275K	0.0%	79.74%
74	DR Bank	1	$250K	0.0%	0.00%
75	Independence Bank	2	$250K	0.0%	37.45%
76	Magnifi Financial CU	1	$249K	0.0%	0.00%
77	Regions Bank	1	$232K	0.0%	0.00%
78	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$210K	0.0%	0.00%
79	BancFirst	1	$208K	0.0%	0.00%
80	CDC Small Business Finance Corp.	1	$200K	0.0%	0.00%
81	Stearns Bank National Association	2	$167K	0.0%	0.00%
82	First Bank of the Lake	1	$150K	0.0%	0.00%
83	Solvay Bank	1	$90K	0.0%	0.00%
84	U.S. Bank, National Association	3	$90K	0.0%	0.00%
85	SoFi Bank, National Association	2	$75K	0.0%	0.00%
86	VelocitySBA, LLC	7	$75K	0.0%	34.49%
87	Colony Bank	1	$70K	0.0%	0.00%
88	Bank of Hope	1	$15K	0.0%	99.15%
89	Brooklyn Cooperative Federal Credit Union	1	$15K	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	522	$116.5M	14.4%
2	Manufacturing	319	$96.2M	11.9%
3	Construction	566	$75.5M	9.3%
4	Professional & technical services	413	$70.9M	8.7%
5	Retail trade	343	$62.9M	7.8%
6	Health care & social assistance	307	$60.0M	7.4%
7	Other services	346	$53.6M	6.6%
8	Wholesale trade	202	$47.0M	5.8%
9	Arts, entertainment & recreation	171	$35.1M	4.3%
10	Administrative & waste services	215	$32.3M	4.0%
11	Manufacturing	122	$32.2M	4.0%
12	Manufacturing	97	$23.0M	2.8%
13	Retail trade	168	$22.4M	2.8%
14	Transportation & warehousing	145	$20.6M	2.5%
15	Finance & insurance	116	$18.1M	2.2%
16	Information	61	$16.4M	2.0%
17	Real estate & leasing	94	$13.7M	1.7%
18	Educational services	63	$9.9M	1.2%
19	Transportation & warehousing	16	$2.5M	0.3%
20	Management of companies	2	$1.2M	0.1%
21	Agriculture, forestry & fishing	15	$560K	0.1%
22	Utilities	2	$140K	0.0%
23	Mining & extraction	1	$50K	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.